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Compare No-Conversion vs. Roth Conversion scenarios, showing tax impact, IRMAA effects, and net present value based on each client’s facts.
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Flexible Roth Conversion methods such as bracket-ride, multi-year conversion smoothing, and custom strategies without spreadsheets or manual tax math.
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Adjust a variety of inputs year-by-year such as income, market returns, and inflation—going far beyond static, one-time calculators.
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Software automatically identifies EDBs, DBs, and applies the correct IRS rules.
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Save time by seamlessly applying IRS distribution rules, reducing manual calculations, the need for spreadsheets and simplifying complex scenarios.
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Deliver clear, visual guidance tailored to each client.
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Project RMDs and estimate applicable taxes to help clients plan ahead with clarity and confidence.
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Simulate QCD strategies to reduce taxable income and align with charitable goals.
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Visualize multi-year outcomes with IRS-aligned inflation and MAGI adjustments.
Product Description
About this Product
Advanced IRA software built for financial planners:
- Simplifies RMDs & IRA rules with clear reports
- Models Roth conversions with tax & IRMAA impact
- Optimizes Inherited IRA distributions (Pre/Post SECURE Act)
About Financial Cloud Works, LLC
Financial Cloud Works, LLC delivers innovative IRA planning software: Break Analytics. Our cloud-based, intuitive platform simplifies complex retirement questions, empowering you to provide clear, confident answers to clients. Whether you need to illustrate a Roth conversion with tax and IRMAA impact or craft a 10-year tax strategy for Inherited IRA distributions, Break Analytics helps you become the IRA expert your clients deserve. Serving banks and broker-dealers since 1986, we bring more than 40 years of tax and retirement expertise and proudly expanded our platform to RIAs in 2024.
Product Details
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Serving RIAs Since
Discount for Schwab Clients?
0719-93C0
API integration is available through Schwab OpenView Gateway®, which is provided by Performance Technologies, Inc. (“PTI”). Single sign-on is provided by PTI. Daily data files and trading integration are available through Charles Schwab & Co., Inc. ("CS&Co"), a registered broker-dealer and member SIPC. Not all third party providers listed on this site have integration agreements with Schwab. Schwab OpenView Gateway® is a service of PTI.
References to third parties on this site (whether such parties are vendors participating in a service of PTI or independent advisors using a service of a participating vendor) are not an endorsement or recommendation of, or an opinion (favorable or unfavorable), or advice about, or a referral to any product or service of any third party. Advisors are solely responsible for evaluating, selecting, and purchasing products and services offered by third party vendors. Unless indicated otherwise, third parties are independent and not affiliated with PTI or its affiliates.
Schwab Advisor Services includes the custody, trading, and support services of Charles Schwab & Co., Inc. ("CS&Co"), a registered broker-dealer and member SIPC, and the technology products and services of PTI. PTI and CS&Co are separate companies affiliated as subsidiaries of The Charles Schwab Corporation, but their products and services are independent of each other. PTI’s integration solutions integrate data about accounts custodied at CS&Co.
Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.