Retirement and tax planning answers with the math shown

Calculators the AI can call

• Federal income tax with the 2026 brackets, standard deductions and capital-gains thresholds
• Roth conversion comparison
• Required minimum distributions, including inherited IRA rules
• Social Security claiming strategies
• Medicare IRMAA tiers
• Monte Carlo retirement projections
• Portfolio risk and crisis losses
• Fee impact and savings growth
• State tax, net investment income tax and AMT estimates
• Equity compensation, bond and CD ladders and a net worth statement

Verified 2026 figures

Answers use the 2026 tax brackets, deductions, capital-gains thresholds, IRMAA tiers and RMD and Social Security rules built into LunaTerminal, and the 2026 contribution limits from IRS release IR-2025-111: $24,500 for a 401(k) and $7,500 for an IRA. The model is told to use these figures rather than its memory.

How an answer is shaped

1. The answer first, in a sentence or two, with the key number.
2. Why it matters for the client, in dollars, from the calculators.
3. An offer to go further: next steps to plan with the client, what would change the answer, or the bigger market picture, when you want them.

Answers are medium length by default; choose Concise or Detailed in the response style to change that. A Calculations used section lists each calculator's inputs and results, and the answer says whether every figure matches a calculation or lists the ones to verify.

A check-up your clients can take

The retirement check-up is a five-minute, educational quiz: eight questions about comfort with investment risk, a few savings numbers, and an illustrative estimate of how long savings could last, with topics to discuss with an advisor.