The Roth conversion window closes
What it costs you
Most $2M+ retirees only have a 5 to 10 year window between retirement and RMD age where conversions are tax-cheapest. Miss it and the tax bill compounds for life.
Boldin’s Roth Conversion Explorer
FOR RETIREES WITH $2M+
Don’t lose what you earned.
At $2M+, the biggest threats to your retirement aren’t market crashes. They’re tax timing, withdrawal sequencing, Roth conversion windows, and Social Security claim age. Boldin’s planner runs all four on your real account data so the next decision protects what you’ve already built.
Retire with confidence, not guesswork.
250,000+ people planning with Boldin · $144 a year · Cancel anytime
Live
Probability
99%
through longevity
Projected net worth
$2.4M
at retirement
The hidden cost of good luck
Where $2M+ retirees quietly lose money
Reaching $2M+ doesn’t shield your plan. It exposes it to a different set of risks that simple calculators never check for.
Tax timing
Federal and state tax on retirement income usually grows into the single largest line item over a 30-year plan. Without year-by-year modeling, the timing of withdrawals and Roth conversions decides how much you keep.
Sequence risk
A bad return year early in retirement costs more than the same year mid-retirement. With a basic calculator’s single-rate projection, you can’t see this risk until it’s too late.
Coordination gaps
At $2M+, Roth conversions move IRMAA. Social Security timing moves taxes. Withdrawal order moves both. Plan one decision in isolation and you create two new problems.
Where Boldin protects your plan
Six $2M+ pitfalls. Six features built to prevent each one.
Each card is one specific way HNW retirements get smaller than they should. Each maps to a feature that’s live inside Boldin’s planner today.
Withdrawing in the wrong order
What it costs you
The default “Traditional first, then Roth” sequence is rarely optimal at $2M+. The right order depends on your brackets, IRMAA tiers, and Social Security claim.
Boldin’s Tax & Withdrawal Strategies
Claiming Social Security too early
What it costs you
A $2M+ household with the wrong claim age can leave six figures of lifetime benefit on the table. Spousal and survivor coordination compound the cost of getting it wrong.
Boldin’s Social Security Explorer
Planning on a single average return
What it costs you
A 6% average return covers a lot of sequences that bankrupt the plan. Without stress-testing against real return histories, you don’t know which one you’re in.
Boldin’s Monte Carlo analysis
Running off a stale spreadsheet
What it costs you
Manual plans go out of date the moment your balances move. At $2M+, even a 10% drift across accounts changes the optimal answer.
Boldin’s Account aggregation via the top 3 aggregators (Plaid, MX, Finicity)
One plan, no Plan B
What it costs you
Retiring 18 months earlier, taking a sabbatical, gifting to family, buying a second home. Each changes the plan. Without side-by-side scenarios, you guess.
Boldin’s Maintain multiple scenarios (side-by-side comparison)
The cost of uncoordinated planning
What’s at stake when the levers aren’t pulled together
100+
plan inputs for total control
Detailed plan inputs (PlannerPlus)
1,000
historical return sequences run against your plan
Monte Carlo analysis (PlannerPlus)
36+
detailed charts across taxes, income, and probability
Over 36 detailed charts (PlannerPlus)
50
state and federal tax projections side by side
Tax & Withdrawal Strategies (PlannerPlus)
Projections
Built on your real numbers, not your guesses
Boldin connects to your real accounts, projects every year of your retirement, and shows you the exact lever that changes the outcome.
Project every year. Adjust retirement age, spending, and claim age. The whole picture updates as you type.
Get startedAt retirement$2.4M
Through age 9599%
Updates as you type
Monte Carlo
Stress-tested against 1,000 sequences
1,000 historical sequences run on your real plan, not a generic portfolio. See the probability of running out, not just an average.
Get started
Probability of fully funding your plan
99%
through age 95
1,000 historical sequences94% above floor
TodayYr 10Yr 20Yr 30
Tax & Withdrawal Strategies
A tax-optimized withdrawal order
Boldin proposes a tax-optimized withdrawal order. Bracket-aware, IRMAA-aware, coordinated with your Social Security claim.
Get startedDefault sequenceHigher
Tax-optimizedLower
Yr 1–5: Taxable + Traditional
Yr 6–12: Roth fill (22%)
Yr 13+: Roth, RMD-free
Coordinated with Roth and Social Security
What basic tools miss
Why a basic calculator can’t protect $2M+
Free retirement calculator
vs
Boldin
Multi-account aggregation
Free calculator
top 3 aggregatorsBoldin
Multi-year tax modeling
Free calculator
Roth Conversion ExplorerBoldin
Monte Carlo with custom downturns
Free calculator
Monte Carlo analysisBoldin
AI on your real plan data
Free calculator
Boldin AIBoldin
Adjusts as life changes
Free calculator
Maintain multiple scenariosBoldin
Annual cost
Free, but limitedFree retirement calculator
$144Boldin
Feature
Free retirement calculator
Boldin
Multi-account aggregation
top 3 aggregators
Multi-year tax modeling
Roth Conversion Explorer
Monte Carlo with custom downturns
Monte Carlo analysis
AI on your real plan data
Boldin AI
Adjusts as life changes
Maintain multiple scenarios
Annual cost
Free, but limited
$144
What members say
Members who came in with complicated plans, and stayed
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As a retired CFP, I found Boldin software great. Very easy to make changes, adjust inflation and appreciation rates for different asset classes. The AI answer man actually gives great answers and advice. I wish I had this software in my financial planning practice.
PlannerPlus member, retired CFP · May 2026
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I am kind of blown away at how easy Boldin makes it to see what we have, where we are, and where we are headed. The ability to try out different scenarios is so powerful. I feel so empowered.
PlannerPlus member · March 2026
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I used spreadsheets to track my retirement planning prior to using Boldin. After switching, I have much better insight into my finances and much more confidence in my plan. So much so that I retired this year, 4 years earlier than I had previously thought possible.
PlannerPlus member · October 2025
250,000+ people planning with Boldin.
For retirees with $2M+
Your plan is too big to guess at.
Get started with Boldin. PlannerPlus is $144 a year. Cancel anytime.
Get started250,000+ people planning with Boldin