An intelligent decision-support tool where users input their current retirement account landscape (account types, balances, income, employer plan details, age) and receive a personalized optimization report. The system calculates pro-rata implications, models different rollover/conversion scenarios with tax impacts, determines backdoor Roth feasibility, and generates a year-by-year action plan. Advanced features could include tax bracket optimization, multi-year conversion strategies, and what-if scenario modeling to help users make confident, informed decisions.

Retirement account rules have become increasingly complex with backdoor Roth strategies, mega backdoor Roth options, and new employer plan types (SIMPLE Roth, etc.). With income limits for Roth contributions and more people changing jobs frequently, the need for personalized retirement account optimization has never been higher.