IRMAA software built for financial advisors. Model Medicare Part B and Part D premiums, project IRMAA surcharges, and pair Social Security, tax, and Roth conversion strategy in one AI-driven platform — so you can turn complex retirement planning into clear, personal recommendations for every client.
Medicare surcharge optimization
AI-powered client setup
Optimization strategies
Professional advisor websites
Everything you need to provide world-class retirement planning services to your clients, powered by cutting-edge AI technology.
Streamlined client onboarding powered by AI to quickly gather essential information and start planning.
Comprehensive Medicare planning with advanced IRMAA strategies to minimize surcharges for high-income clients.
Sophisticated Social Security claiming strategies to maximize lifetime benefits for your clients.
Advanced Roth conversion modeling to help clients optimize their tax strategies and retirement income.
Professional level audit trail tools to support your retirement planning practice.
AI-powered insights that help you understand client needs and deliver compelling recommendations that close deals.
Our comprehensive suite of retirement planning tools is designed specifically for financial professionals who demand accuracy, efficiency, and client satisfaction.
AI-powered calculations deliver instant results for complex retirement scenarios.
Enterprise-grade security and compliance with industry regulations.
24/7 technical support and ongoing education resources.
Purpose-built IRMAA software that turns a confusing corner of Medicare into a planning advantage for you and your clients.
RetirementAdvisorPro is IRMAA software built for financial advisors who plan around Medicare’s income-related surcharges. Each year a client’s modified adjusted gross income determines where they land on the IRMAA sliding scale — and a single dollar over a bracket can raise their Medicare Part B and Part D premiums for a full year. Our IRMAA analysis runs those calculations automatically, so you see the surcharge before it happens instead of explaining it after the fact.
Instead of a one-off Medicare IRMAA calculator, you get planning software that connects IRMAA to the rest of the retirement plan. Model how a Roth conversion, capital gain, or withdrawal sequence changes next year’s premiums, compare Medicare Advantage and Medigap coverage costs, and stress-test IRMAA surcharges across a multi-year retirement timeline. The platform surfaces the plan premium impact of every decision in plain language your clients actually understand.
Because IRMAA rarely sits in isolation, the software ties Medicare planning to Social Security timing, tax strategy, and each client’s personal cash-flow goals. Advisors use it to show high-income clients exactly where their coverage costs are headed, document the IRMAA calculations behind every recommendation, and turn a complex piece of financial planning into a genuine differentiator for the practice.
Everything advisors ask before adding IRMAA planning to their practice.
IRMAA software is a planning tool that projects the Income-Related Monthly Adjustment Amount — the surcharge Medicare adds to Part B and Part D premiums for higher-income beneficiaries. RetirementAdvisorPro models these IRMAA surcharges for every client and shows how income decisions move them along the sliding scale.
IRMAA is based on your modified adjusted gross income (MAGI) from two years prior. Social Security compares that figure to the year’s IRMAA brackets to set the premium. Our IRMAA analysis automates these calculations, so advisors never rebuild the brackets by hand each year.
Yes. You can model Roth conversions, capital gains, and withdrawal sequencing to see the plan premium impact before a client crosses a bracket — the core of proactive IRMAA planning.
A basic Medicare IRMAA calculator answers a single year. RetirementAdvisorPro is full planning software: it ties IRMAA to Social Security, tax, and Medicare Part D across a multi-year retirement plan, with client-ready reports.
Financial advisors, retirement planners, and Medicare specialists who serve high-income clients, where surcharges and coverage costs materially affect the plan.
Yes. You can compare Medicare Advantage and supplemental coverage costs alongside IRMAA surcharges, so clients see their total Medicare costs — not just premiums.
Free guides to the surcharges, brackets, and Medicare premiums behind every IRMAA plan.
A single $1M household is worth roughly $10,000 a year to your practice. RetirementAdvisorPro is $1,200 — and it works on every client you have, not just the one that paid for it.
Send us a case. We build the conversion schedule, the surcharge mapping and the survivor analysis, brand it to your firm, and join you for the client meeting — or rehearse it with you beforehand.
Includes 90 days of the platform, with your case already built in it.
Running a team, an IMO, or an advisor network? Volume pricing starts at 25 seats →
Because planning software only pays off once it’s part of how you work. Advisors who commit for a year actually build it into their client process — and get far more out of it. We price to encourage that.
Us. The software gives you unlimited cases you build yourself. Case design means we build one with you, brand it to your firm, and sit in on the client meeting. It also includes 90 days of the platform, so you finish with your case already loaded.
Yes. You can move between monthly and annual at any time. Changes are prorated and reflected in your next billing cycle.
No. Existing subscriptions keep their current rate. These prices apply to new subscriptions only.
No setup fees. Every plan includes onboarding and training to get you running on a real client case quickly.
Client-value figures are illustrative industry medians — approximately $9,300–$11,000 in annual revenue per client (Schwab RIA Benchmarking Study, 2023–2024) and roughly 1% advisory fees on $1M–$1.5M households (McKinsey–PriceMetrix). Your practice economics will differ.
See what industry professionals are saying about our platform
Wealth Management Partners
San Francisco, CA
"RetirementAdvisor Pro has transformed how we serve our clients. The IRMAA planning tools alone have saved us countless hours while providing superior outcomes."
Retirement Solutions Group
Austin, TX
"The AI-powered Social Security optimization is incredible. Our clients are seeing significantly higher lifetime benefits thanks to this platform."
Thompson Financial Advisory
Denver, CO
"The turnkey websites for IRMAA and Social Security have given our practice a competitive edge. Professional, informative, and client-friendly."
Experience the power of AI-driven retirement planning and see why leading advisors choose our platform to serve their clients better.
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