I want to find the optimal Roth conversion strategy.

Roth Conversion Optimization helps you determine the most efficient way to move money from a traditional IRA or 401(k) into a Roth account. This process converts pre-tax savings into tax-free growth, but it also creates taxable income in the years of conversions. The optimizer analyzes different conversion amounts and timing to find the strategy that best fits your goals—whether that’s maximizing [...]

I will have an early withdrawal from my IRA. How do I tell the program that this is allowed and I will pay a penalty on the withdrawal?

Under Account Assumptions for the retirement account, you have three options for early withdrawals as seen below. src="https://cdn.livehelpnow.net/clients/21145/kb/pna1_24637e08-5c6e-4c45-a0a7-a9b2725259c6.png" id="dd0827fc-5581-4f54-bec0-2372713dfad0" alt="pna1" width="90%" height="auto" data-image="dd0827fc-5581-4f54-bec0-2372713dfad0 [...]

Can I enter Qualified Charitable Distributions and will they be accounted for properly?

Yes, you can enter these and the program will accurately handle the fact that they will not be taxed. QCDs are first taken out of Required Minimum Distributions (RMDs) and then, if necessary, out of Qualified Tax-Deferred account balances. The amount deducted is not taxed. Look at the screenshot below to see how to enter QCDs. [...]

The owner of one of my investment accounts should be my wife's, but it has my name. How do I change this?

Open the investment under Cash Flow Inputs > Investment Assets and you can change the Owner field there as you see below. src="https://cdn.livehelpnow.net/clients/21145/kb/owner1_74663c41-238b-49b4-b682-32c72c2f56a5.png" id="8643635c-a9ff-4d2f-a140-38882f16af46" alt="owner1" width="90%" height="auto" data-image="8643635c-a9ff-4d2f-a140-38882f16af46 [...]

In the Cash Flow Distributions screen I see Gross Salary Available For Living Expenses. How is this calculated and used by the program?

This applies when one spouse/partner retires before the other and the non-retired spouse/partner has salary income. The program starts retirement expenses with the first retirement date. So if the other spouse/partner has $100K in net income (after taxes and any contributions to savings), this amount will be used for any expenses in retirement before the program looks at other funding [...]