Free planning tool
Portfolio Balance Planner
Enter your accounts on the left, see illustrative discussion topics on the right. Data stays in this browser unless you export it.
Your data stays on this device. Entries auto-save in this browser. Use Export to keep a JSON backup or Import to restore on another computer. Sign-in to sync across devices is planned when account login is re-enabled.
Core accounts
Life insurance protection
Death benefit (term + permanent) counts toward protection. Cash value is an asset only. Policy suitability depends on need, underwriting, and compliance review.
Complete step 1 and click Analyze my balance.
Planning Questions & Advisor Insights
Advisor UseExpand any card for discussion prompts and planning angles that are often under-covered in generic articles — not personalized recommendations for any client.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Tax Bucket Balance
Client question
Where is most of the client's money: taxable, tax-deferred, or tax-free?
Why this may matter
Heavy tax-deferred balances may create future RMD pressure, Social Security taxation, Medicare premium considerations, and survivor-spouse tax issues — often discussed together, not in isolation.
Advisor note
Use this to open a tax diversification conversation — not to recommend a specific product.
Possible next step
Map assets into taxable, tax-deferred, tax-free, and protection/liquidity buckets.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
RMD Pressure
Client question
Has the client estimated future required minimum distributions?
Why this may matter
Traditional IRA and 401(k) balances may create forced taxable income later in retirement.
Advisor note
May be worth reviewing before discussing Roth conversions with a tax professional.
Possible next step
Estimate RMD impact at ages 73, 75, 80, and 85 for discussion purposes.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Social Security Timing
Client question
Which claiming ages is the client comparing — early, full retirement age, or delayed?
Why this may matter
Claiming age may affect lifetime income, survivor benefits, tax planning, and portfolio withdrawal order.
Advisor note
Avoid blanket rules like "always delay." Coordinate with health, cash flow, spouse protection, and retirement assets.
Possible next step
Compare illustrative claiming scenarios with the client and qualified counsel.
Claiming decisions depend on health, longevity, spouse benefits, cash flow, and tax situation.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Roth Conversion Window
Client question
Are there low-income years after retirement but before RMDs?
Why this may matter
These years could create a planning opportunity to discuss partial Roth conversions at controlled tax rates.
Advisor note
Review Medicare IRMAA lookback years, Social Security taxation, state taxes, and available cash to pay conversion tax.
Possible next step
Identify bracket room and a reasonable conversion range to discuss — not to execute automatically.
Actual tax impact depends on federal/state taxes, Medicare premiums, Social Security taxation, available cash, and client-specific facts.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Medicare IRMAA Awareness
Client question
Could a large Roth conversion, IRA withdrawal, or capital gain affect Medicare premiums?
Why this may matter
Medicare premiums may rise for higher-income beneficiaries based on modified adjusted gross income — often using income from two years prior.
Advisor note
A tip many generic articles skip: IRMAA planning often starts around age 63, not only at Medicare enrollment.
Possible next step
Flag clients age 63+ or already on Medicare for a premium review with official sources.
Medicare premiums and IRMAA thresholds may change and should be verified using official sources.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Term vs Permanent Insurance Fit
Client question
Is the insurance need temporary, lifetime, or mixed?
Why this may matter
Term insurance often aligns with temporary needs like mortgage payoff, income replacement, and children's education. Permanent insurance may be discussed when lifetime liquidity, legacy, estate, business, or special-needs planning is in scope.
Advisor note
Start with the problem and duration of need — not the product category.
Possible next step
Identify need duration and liquidity purpose with the client.
Policy suitability depends on need, affordability, underwriting, guarantees, fees, charges, policy design, and long-term funding.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Survivor Spouse Risk
Client question
What happens financially and tax-wise when the first spouse dies?
Why this may matter
Household income may not fall by half, but the survivor may eventually file as single — which can change tax brackets and deductions.
Advisor note
Roth planning, life insurance, and income sequencing may be worth discussing with qualified professionals — outcomes vary by state and facts.
Possible next step
Model a simplified survivor scenario for discussion purposes only.
Claiming decisions depend on health, longevity, spouse benefits, cash flow, and tax situation.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Long-Term Care Risk
Client question
If care is needed for three years, which asset pays first?
Why this may matter
Medicare generally does not cover long-term custodial care. Care costs may lead to IRA withdrawals, asset sales, or family caregiving.
Advisor note
Discuss self-funding, traditional LTC insurance, hybrid life/LTC, Medicaid planning, and family support — without assuming one path fits all.
Possible next step
Identify care preferences, liquidity, and spouse-protection needs.
Coverage, triggers, tax treatment, and benefits vary by policy and state.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Real Estate Investor Planning
Client question
If the client owns rental property, would the family have liquidity without selling property quickly?
Why this may matter
Real estate wealth can be illiquid. Death, disability, or care needs may create pressure to sell at unfavorable times.
Advisor note
Life insurance may sometimes be discussed for estate liquidity or equalization among heirs — subject to underwriting and compliance review.
Possible next step
Ask what the client wants to happen to properties after death or incapacity.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Client Conversation Starter
Client question
What financial promise would fail if this person died, became ill, or had forced taxable income?
Why this may matter
This may help shift the discussion from product selection to planning.
Advisor note
Use this to move from calculator output to a discovery conversation.
Possible next step
Generate three questions the advisor can ask the client in the next meeting.
Educational tool only. Not tax, legal, investment, Medicare, or insurance advice. Consult qualified professionals before making decisions.
Regulatory notice: Safora provides educational financial planning tools and class information. We are not a broker-dealer, investment adviser, or insurance company. Tools produce illustrative outputs only. Consult licensed professionals before making financial or insurance decisions. See Licenses & Disclaimers.
Insurance disclosure: Safora is not an insurance company. Insurance products are offered by licensed carriers. Tools provide educational estimates only.
Investment disclosure: Safora is not a registered investment adviser or broker-dealer. Portfolio tools use general guidelines and do not recommend specific securities.