Roth Conversion Guide (2026): Ladder, Math, and Cliff Avoidance
Everything we know about Roth conversion ladders for early retirement: the 5-year rule, bracket-filling math, ACA cliff avoidance, IRMAA timing.
Topic Guides
All QuantCalc research, organized by topic. Each guide is a structured walkthrough of a single planning problem with links to every relevant article and calculator.
ACA & Early Retirement Healthcare Guide (2026)
OBBBA restored the 400% FPL cliff in 2026. How to size income, time conversions, and bridge to Medicare — with calculators and full 2026 thresholds.
FIRE Planning Guide (2026): Assumptions, Math, and Withdrawal
Coast FIRE, Barista FIRE, lean and fat — plus the 4% rule, sequence risk, and the 2026 OBBBA-bracket math that shifts every withdrawal calculation.
Monte Carlo Retirement Guide (2026): Why 10,000 Paths Beat 1
How Monte Carlo simulation, capital-market expectations, sequence risk, and stress tests work together to test a retirement plan with 2026 forecasts.
Retirement Tax Optimization Guide (2026): Withdrawal Order to State Traps
Tax-efficient retirement withdrawal order, capital-gains harvesting, OBBBA brackets, IRMAA/RMD timing, and the state-tax traps that cost retirees six figures.
RMD & IRMAA Guide (2026): Medicare Surcharges and the 2-Year Lookback
How RMDs trigger IRMAA, the 2-year MAGI lookback, the SSA-44 appeal, QCD strategy, and the SECURE 2.0 inherited IRA rules for 2026.