Retirement Spectrum
Plan contributions, distributions, and lifecycle thresholds
The Retirement Spectrum dimension models your retirement account strategy across the full lifecycle — from contribution modeling through distribution planning. It compares contribution levels across 401(k), IRA, Roth, and HSA accounts, models Roth conversion ladders, tracks RMD requirements, and identifies IRMAA thresholds. This dimension helps you understand how retirement decisions interact with current-year taxes and long-term wealth.
Key Capabilities
Real-World Examples
1Scenario
High earner ($250K) maximizing retirement savings
PRISM Output:
Models $23,000 401(k) + $7,000 backdoor Roth IRA + $8,300 family HSA, projects $10,200 tax savings, identifies mega backdoor potential if plan allows
2Scenario
Retiree approaching age 73 with $1.2M in traditional IRA
PRISM Output:
Calculates first-year RMD of $45,283, models IRMAA impact on Medicare premiums, surfaces partial Roth conversion as a lower-tax path in lower-income years