u/willeaton1

I'm trying to model a retirement strategy in ProjectionLab and I'm wondering if I'm missing a feature.

I am 67 and my wife is 60.

My goal is:

• Preserve ACA premium tax credits for the next 4 years by limiting MAGI.
• Once my wife starts Medicare (around 2030), begin aggressive Roth conversions to optimize lifetime taxes.

I can optimize for More ACA Subsidies or Lower Lifetime Taxes, but I can't find a way to tell the optimizer:

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Is there a way to:

• Delay the start of Roth conversions to a specific year or age?
• Add a constraint that prioritizes ACA subsidies until Medicare eligibility?
• Create a phased optimization like "ACA first, Roth conversions later"?

Or is this simply not supported by ProjectionLab's optimizer, requiring manual adjustments or separate scenarios?

I'd appreciate hearing how others have modeled this situation.

I seem to be able to do either ACA optimization or Roth Conversions, but not both. I am looking to do ACA for 4 years and then Roth Conversions after that. There doesn't seem to be a "No Roth conversions until 2030, then optimize."

I currently use ProjectionLab Premium for my own retirement planning and would like to build a separate retirement model for my widowed sister-in-law.

She won't be using ProjectionLab herself—I would be building and maintaining the plan for her so I can help with retirement projections, Roth conversion planning, taxes, and IRMAA analysis.

Can I create and maintain a completely separate plan for her under my existing Premium subscription, or is a second license/account required?

If you've done this, are there any limitations or best practices for managing multiple plans under one account?

I'm using ProjectionLab Premium to model our retirement plan.

I intentionally moved about $273,000 of our taxable assets (currently invested in VMFXX money market funds) into a Savings account because I want ProjectionLab to treat this as our cash reserve rather than as taxable investments.

The account is not a traditional bank savings account. It's our emergency fund / spending reserve, and we plan to maintain roughly three years of living expenses in money market funds.

My questions are:

1. Is there a way to assign a custom expected return (currently about 3.5%) to a Savings account? I can't find any place to edit the return assumption.
2. If not, what is the recommended way to model money market funds that are intended to be held as cash but still earn a market yield?

I'm trying to make the model as realistic as possible without confusing the optimizer.

Thanks!

I am retired and live in Florida with my wife. Most of our assets are held in taxable brokerage accounts, traditional IRAs, Roth IRAs, and HSAs.

Our primary objective is to minimize lifetime taxes, not simply reduce this year's tax bill. My wife is currently covered by an ACA marketplace health plan, so keeping our Modified Adjusted Gross Income (MAGI) below the ACA subsidy threshold until she becomes eligible for Medicare is an important part of our planning.

I'm looking for recommendations for a tax strategist, retirement tax planner, or CPA who specializes in multi-year retirement tax planning rather than annual tax preparation.

Specifically, we're looking for someone who can help with:

• Tax-efficient withdrawal strategies across taxable, traditional IRA, Roth IRA, and HSA accounts.
• Roth conversion planning that balances current taxes, ACA subsidy preservation, future RMDs, and eventual Medicare IRMAA considerations.
• Capital gain management, since we have significant unrealized gains in our taxable brokerage accounts.
• Long-term tax projections (10–30 years), rather than year-by-year tax preparation.
• Coordination of Social Security, investment income, retirement distributions, and future RMDs.
• Asset location and tax-efficient portfolio management.
• Estate planning considerations, including minimizing taxes for our heirs under current inherited IRA rules.
• Strategies that minimize lifetime taxes and maximize after-tax wealth.

If you've worked with someone who specializes in this type of planning, I'd appreciate recommendations. I'd also be interested in hearing what software or planning tools they use (Income Lab, Holistiplan, RightCapital, eMoney, etc.) and approximately what you paid for the engagement.