Why This Tool Exists
In retirement planning, sequence is often the strategy. Not because sequence changes the math, but because it changes what is possible.
This planner helps you map QCD and Roth conversion decisions against an IRMAA guardrail using numbers you can actually estimate.
QCD + Conversion Room Planner
Estimate taxable RMD after QCD and conversion room inside an IRMAA guardrail you enter.
| Scenario | QCD | Conversion | Projected MAGI | Result |
|---|
Sequencing Playbook (What You Are Really Deciding)
QCDs can reduce income from required distributions and create more room for conversions.
Roth conversions can raise MAGI and push you into IRMAA brackets if you do not watch headroom.
The point is to build a plan that fits your reality: RMD needs, donation intent, and bracket control.
Inputs That Matter Most
Baseline MAGI (before RMD/QCD/conversions).
RMD amount and planned QCD amount (QCD is limited by RMD mechanics).
The IRMAA threshold you want to treat as a guardrail, plus your buffer.
Execution Notes
Do not wait until December to discover you have no headroom.
If you are close to the line, build a buffer and consider using withholding to smooth surprises.
Store the output as part of your year folder so you can explain decisions later.
Documentation Checklist (Keep It Defensible)
- Create a one-page objective memo before you execute (what outcome you are trying to buy).
- Store your assumptions and calculations in a dated PDF (no year-end reconstructions).
- Keep evidence in the same folder structure every month (receipts, logs, approvals).
- Ask your CPA what would make this easy to sign off on, then build that packet.