Plan retirement with taxes and IRMAA in view
Model estimated taxes, tax brackets, and IRMAA on the household Financial Plan record — so advisors discuss after-tax retirement cash flow using client data already governed in Salesforce.
Estimated taxes by year — US Federal, FICA, State, and IRMAA — on the Financial Plan record.
Sample household data for illustration only — not a client record.
Tax and CRM that never meet
Pre-tax charts in the client meeting
Clients approve a retirement spending plan that ignored brackets, IRMAA surcharges, or withholding — because tax context lived in a spreadsheet, not the plan advisors opened in Salesforce.
Tax assumptions drift from CRM
Someone maintains rates offline while the planning portal and Salesforce household record tell different stories about filing status, jurisdiction, and income.
Sensitive tax detail in a third system
Filing status, bracket exposure, and Medicare surcharge estimates get exported to an external planning portal — outside the permissions model compliance already reviewed.
CPAs and associates lack shared context
The advisor saw IRMAA risk in a portal PDF; the associate scheduling follow-up cannot reopen the same tax-aware view on the Financial Plan record.
Advisor decisions this helps answer
Tax-aware views on the Financial Plan record — not a disconnected spreadsheet or planning portal export.
Can this household afford retirement spending after tax?
In Salesforce Estimated Taxes and after-tax cash flow show whether spending holds up once federal, state, FICA, and IRMAA are included.
Will IRMAA affect Medicare costs in retirement?
In Salesforce IRMAA appears in estimated tax charts and plan metrics so advisors flag surcharge years before the client commits to a strategy.
Which tax bracket will drive the next decade?
In Salesforce Net Taxable Income by Federal Tax Bracket shows how household income maps to brackets over the plan horizon.
Should we coordinate Roth conversions with the CPA this year?
In Salesforce Tax rate, Roth explorer, and withdrawal assumptions sit on the same plan record advisors share with tax professionals.
Where does taxable income come from each year?
In Salesforce Gross Taxable Income by Source breaks down employment, Social Security, pensions, and account withdrawals on the plan.
Which households need a tax-risk follow-up?
In Salesforce Tax metrics on Salesforce records help teams prioritize reviews for IRMAA exposure, bracket spikes, or RMD pressure.
IRMAA visibility on a sample household
Sample household data for illustration only — not a client record.
After Run Calculation on the sample Chen household, the advisor opens Estimated Taxes to review IRMAA exposure across retirement. Values below are illustrative — not a client record.
Sample takeaway: IRMAA appears in projected tax years before the client commits to a withdrawal strategy — giving the advisor a concrete follow-up topic with the CPA.
Note: Planning estimates only — not tax advice. Confirm IRMAA and bracket strategies with the client's tax professional.
What tax-aware planning improves for wealth managers
Move from tax reference data to advisor confidence, client trust, and team visibility inside Salesforce.
More accurate retirement spending conversations
Discuss spending capacity after estimated taxes — not pre-tax charts that overstate what the client can spend.
IRMAA and tax-rate visibility before commitment
Surface surcharge years and effective tax rates on the plan before the client approves a retirement path.
Better Roth and withdrawal-order discussions
Share tax-aware plan context with the client's CPA instead of exporting disconnected portal screenshots.
Surface tax-risk households in Salesforce
Planning metrics on governed records help leadership filter households with IRMAA exposure or bracket pressure.
Support future reviews and follow-up tasks
Tax-aware results stay on the Financial Plan for the next associate, review meeting, or service workflow.
How tax-aware planning works inside Salesforce
From tax context to estimated taxes and advisor conversation — without exporting household data elsewhere.
Capture tax context on the plan
Create New Financial Plan includes Tax Context — filing status, jurisdiction, and household assumptions before projections run.
Run the household projection
Run Calculation refreshes retirement cash flow, net worth, and tax-aware withdrawal results on the Financial Plan record.
Review estimated taxes and brackets
Estimated Taxes charts break down federal, state, FICA, IRMAA, or Canada federal and provincial components by year.
Discuss with the client and CPA
Advisors walk through tax rate, IRMAA exposure, and income sources — then coordinate Roth or withdrawal strategies with tax professionals.
Planning estimates — not tax filing
Outputs support retirement planning conversations. They are not tax advice; material decisions belong with the client's tax professional.
Financial Planner provides planning-oriented tax modeling — not tax filing software. Projections are estimates based on assumptions, not tax advice.
Why tax data belongs in Salesforce
Tax assumptions and projection results stay on governed Salesforce records — not a disconnected planning portal.
Filing status, jurisdiction, and household tax assumptions live on the plan advisors already opened — not copied into another vendor database.
Advisors and associates reopen estimated tax charts and metrics in follow-up reviews instead of reconstructing portal exports.
Client tax context is not rekeyed into an external planning portal or spreadsheet models that drift from CRM.
Packaged permission sets, sharing, and auditability apply to tax-aware planning data the same way they apply to the rest of the org.
Sample household data for illustration only — not a client record.
Tax-aware charts in the Financial Plan workspace
Real product UI — estimated taxes, taxable income by source, and federal bracket views on the household Financial Plan record.
Filing status, jurisdiction, and household assumptions
Tax-aware cash flow and withdrawal results
Federal, state, FICA, IRMAA, or Canada views
Client conversation, CPA coordination, or Roth review
Sample household data for illustration only — not a client record.
Sample household data for illustration only — not a client record.
Trust, limitations, and compliance
Tax-aware planning supports advisor workflow — it does not replace professional tax advice or filing.
- Planning-oriented tax modeling — not tax filing, preparation, or advice software.
- Projections are estimates based on assumptions and packaged reference tables.
- Material tax, Roth, and withdrawal decisions should be reviewed with the client's CPA or tax professional.
- Household tax data stays in Salesforce under your existing permissions and audit controls.
Common questions
Is this tax-prep software?
No. Financial Planner provides planning-oriented tax modeling for retirement projections — not tax filing, preparation, or advice. Material tax decisions should be reviewed with the client's tax professional.
Which tax assumptions are included?
Tax context captured during plan setup — filing status, jurisdiction, and household assumptions — combined with packaged reference tables for US federal, state, FICA, IRMAA, standard deductions, and Canada tax where applicable.
Does it support IRMAA?
Yes. Estimated Taxes charts and plan metrics can surface IRMAA alongside federal, FICA, and state components so advisors discuss Medicare surcharge exposure in retirement planning conversations.
Does it support US and Canada tax context?
Yes. US households see federal, state, FICA, and IRMAA modeling; Canadian households see federal and provincial estimated tax views alongside CPP/OAS planning tools.
Can advisors model Roth conversions or withdrawal sequencing?
Yes. Tax-aware projections, Roth explorer, and withdrawal assumptions sit on the same Financial Plan record — so conversion and sequencing conversations use consistent household context.
Does client data leave Salesforce?
No. Tax context, projection results, and tax charts stay in your org. Financial Planner is a managed package — not an external planning portal.
How are tax tables maintained or updated?
Reference tax tables ship with the managed package and are updated through package releases — not maintained in ad hoc spreadsheets by each firm.
Are these projections tax advice?
No. Outputs are planning estimates based on assumptions — not tax advice, trade recommendations, or custodian instructions. Confirm material strategies with the client's CPA or tax professional.
See Financial Planner in your Salesforce workflow
Request early access to evaluate household records, projections, insights, and explorers before the public AppExchange listing goes live.
- Public AppExchange listing coming soon — request early access to pilot in your org.
- Passed Salesforce AppExchange security review.
- Stratus Cloud Solutions has built Salesforce-native apps since 2009.
- Documentation is available for evaluator walkthroughs. Open docs