Plan Your Transition to Retirement
See how retirement dates, spending, and withdrawals could affect your savings with Nino’s AI software. Add a human CPA and CFP team to build your retirement plan and coordinate the tax decisions that come with it.
Retirement scenarios
Explore how savings, spending, returns, and retirement timing change a projection.
Income sources
Bring retirement accounts, taxable investments, and expected income into one view.
Withdrawal questions
Compare account choices and tax assumptions before taking money out.
Healthcare costs
Include insurance and out-of-pocket costs in the spending you expect after work.
Decisions to check carefully
These decisions deserve a closer look. Start with the numbers, then get professional help where you need it.
Return uncertainty
A projection is sensitive to market returns and their timing. Test lower returns and higher spending.
Conversion tradeoffs
A Roth conversion can increase current tax and affect income-based costs. It is not automatically beneficial in a lower-income year.
Benefit timing
Social Security choices depend on household circumstances and longevity. Compare the tradeoff rather than defaulting to one age.
Federal and state tax filing is included on every Advisor plan, from $3,600 a year.
Guides for approaching retirement
Read up on these decisions, or run your own numbers.
Do Roth Conversions Count as Income?
The taxable part of a Roth conversion adds to ordinary income. See how basis, tax brackets, Medicare premiums, and other income tests affect the decision.
Read guideBackdoor Roth IRA for High Income
A backdoor Roth stays open at any income. What decides the tax bill is the order of the two steps, the month they happen in, and what else sits in your IRAs.
Read guide401(k) Contribution Limits for 2026
The 2026 employee limit is $24,500. See age-based catch-ups, employer contribution limits, and the Roth catch-up rule.
Read guideWhat Is MAGI?
Modified adjusted gross income starts with AGI, then changes for the tax or benefit being tested. Compare the Roth IRA, NIIT, Medicare, and Marketplace definitions.
Read guideRMD Calculator
Find your required minimum distribution from the IRS tables and the federal tax each one adds.
Open calculatorRetirement Calculator
Estimate retirement income, how long savings could last, and any funding gap.
Open calculator