Planning Tools
Free, no cost, no obligation. Each one takes a few minutes and gives you a real answer — not a brochure.
For people carrying a large pre-tax balance into retirement.
Most Roth calculators show you federal tax and stop. This one also models the state — Illinois doesn’t tax conversions at all, which is worth 4.95% that nobody mentions — plus the Medicare IRMAA cliff two years out and the senior deduction phase-out. Tells you how much room you have left before the next threshold.
Run the numbers →For owners thinking about an exit, whenever that is.
Twelve questions across the three things that decide how a sale goes: is the business ready, are the finances ready, and are you ready. Scored separately, because an average hides the leg that’s about to break.
Score your readiness →A broad read across the areas that most often go unattended.
Ten questions covering tax, income, risk and estate. A quick diagnostic of where things stand and which area is furthest behind.
Take the brief →Every tool here is educational and uses simplified assumptions — they are a starting point for a conversation, not a plan. Each one emails you your results so you have them, and tells you what it does not account for.
The thinking behind the tools.
Roth conversions: the window, and the Illinois advantage — why the years between retiring and RMDs are the cheapest you will get, and what actually limits the size of a conversion.
Exit planning: the three years before the deal — the three questions that decide how a sale goes.
Selling your business: what you actually keep — deal structure, the Illinois replacement tax, and QSBS after the 2025 rules.
Cash balance plans — the largest deduction most owners never use.
The tools are a starting point. The conversation is where the actual answer is.
Schedule a Conversation30 minutes with Ara Bayindiryan — no obligation