| Each year's conversion | ✓Found to the dollar | –Often from strategies you choose |
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| When to claim Social SecurityChanges which years have room to convert | ✓Solved with the conversions, both spouses | ✗Separately, if at all |
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| Years searched | ✓Every year of the plan | –Often a set number of years |
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| Paying the taxFrom cash or from the IRA, with the 10% penalty before 59½ | ✓Either | –Some assume cash pays it |
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| Roth 5-year rules | ✓Counted | –Some leave them out |
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| Medicare IRMAAIncome sets premiums two years later; $1 over a line costs the whole year | ✓Part B and Part D | ✓Included |
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| State taxRetirement exclusions, and whether a conversion counts | ✓All 50 states and DC | ✓Usually included |
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| Clients | ✓No limit | –Often capped or priced per household |
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| Reads tax returns | ✗You type in a few numbers | ✓Many do |
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| Price per advisor | $79.99 to $99.99 a month | Often $125 to $300 a month |
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