Roth Conversion Calculator: BR

The Borrelli Report is a retirement tax planning tool built for pre-retirees and retirees who want to minimize lifetime taxes on their IRA, 401(k), and other tax-deferred accounts

Most retirement calculators show you what you have. The Borrelli Report shows you what you'll owe — and what you can do about it

KEY FEATURES

Roth Conversion Tax Bracket Optimizer
See how strategic Roth conversions across the 12%, 22%, 24%, and 32% brackets could shift hundreds of thousands of dollars from "always taxable" to "never taxable again."

Retirement Tax Exposure Assessment
A guided diagnostic that identifies your specific risks: RMD tax stacking, IRMAA Medicare surcharges, Social Security taxation, survivor tax compression, and the closing Roth conversion window

Personalized Scorecard
Receive a personalized Retirement Tax Exposure Summary based on your answers — tax-deferred concentration, retirement timeline, and current planning gaps

Advanced Tax Mitigation Modeling
Inputs for §263c, §168k, §170, and Enhanced Roth Conversion strategies for users who want deeper modeling

WHO THIS IS FOR

The Borrelli Report is designed for:

- Pre-retirees within 5–10 years of retirement
- Recent retirees coordinating withdrawals across multiple accounts
- Anyone with $500K+ in tax-deferred accounts approaching the Roth conversion window
- Investors looking for a second opinion on their current retirement tax strategy

ABOUT JOHNNY BORRELLI

Johnny Borrelli is a Series 7 and Series 66 registered investment advisor specializing in retirement income tax planning, Roth conversion strategy, RMD planning, and IRMAA-aware withdrawal sequencing. The Borrelli Report serves clients seeking a coordinated approach to retirement tax exposure

WHAT YOU'LL LEARN

The app surfaces issues most retirees never see coming until they're already past the planning window:

- How RMDs starting at age 73 can stack with Social Security and push you into higher brackets
- How a $1 income overage can trigger thousands in IRMAA Medicare surcharges
- Why the years between retirement and age 73 are the single most valuable Roth conversion window
- How surviving spouses face significantly worse tax treatment under single-filer thresholds

DISCLAIMERS

The Borrelli Report provides educational tools and retirement tax planning analysis. It does not constitute individualized investment, tax, or legal advice. Calculator outputs are illustrative and based on the inputs and assumptions you provide. Please consult a qualified tax professional before implementing any strategy

Visit theborrellireport.com to subscribe to the newsletter or schedule a Retirement Tax Strategy Review