Scala builds a year-by-year Roth conversion ladder for the window before RMDs begin: how much to convert, what each conversion costs in tax today, and what it saves across your lifetime — including the break-even age when avoided RMD taxes repay the conversion bill.
Every year is checked against IRMAA thresholds and the ACA subsidy cliff so a smart tax move doesn’t trigger an expensive premium surprise.
Ignis Tools — nine tax-aware retirement planning tools, one unified Persona. Learn library.