How do I model RMDs and Roth conversions in PortfolioPilot?

For RMDs (Required Minimum Distributions):

Go to Plan → Retirement Planning → "Assumptions" tab (bottom section)
Set "Model Required Minimum Distributions (RMDs)" to Yes
The planner will factor in required withdrawals from your tax-advantaged accounts based on your age
You can see the RMD column in the detailed breakdown table - click "table" in the upper right panel, above the chart, to view the RMD details
Make sure your tax-advantaged accounts are correctly marked in Track → Net Worth for accurate RMD modeling

For Roth conversions:

Go to Plan → Retirement Planning → "Taxes & Withdrawals" tab (bottom section)
Click "+ Add Roth conversion"
Enter the conversion amount and the year(s) of conversion
The planner will show the impact on your projected net worth and retirement outcome

Note: Make sure your retirement accounts are correctly tagged as Tax-Advantaged (traditional IRA/401k) or Tax-Free (Roth IRA) in Track → Net Worth so the planner calculates accurately.

Last updated on

July 30, 2026

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1. As of May 26, 2026
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2. As of May 26, 2026
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3. $40B+ Assets on Platform as of May 26, 2026. Aggregated across all plans (including the free plan). Assets on Platform represent the total value of connected and manually inputted accounts (including assets like real estate and private equity) and does not in any way represent Asset Under Management as Global Predictions does not manage any client funds.

4. Global Predictions Secures a Winning Spot in International M6 Financial Forecasting Competition

5. Comparison made to an individual with $1M in assets, paying an "average wealth manager fee" of 1.04% based on publicly available McKinsey / PriceMetrix industry data. 1.04% * 1M = $10,400 per annum. PortfolioPilot Annual Gold pricing is $20/mo * 12mo = $240 per annum. 240/10,400 – 1 = ~98% lower. Actual fees paid to any individual financial advisor will depend on specific financial circumstances and arrangements.

6. The 1.94% referenced figure represents the average calculated monthly continuous tax-loss harvesting gain over a 4-year period from 2018-2021 in the 2024-published JP Morgan report titled "Continuous tax-loss harvesting yields more potential for tax savings" (link).

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9. This analysis is based on data from publicly available reports, academic studies, and articles. Sources include Mullainathan et al. (2012): Study highlighting biases in financial advice and its misalignment with client interests; Morningstar (2024): Report on typical update frequencies from financial advisors; Bodnaruk and Simonov (2014): Research on the limited impact of financial expertise on investment outcomes; Financhill: Insights on hidden fees in financial advising, including expense ratios and transaction costs, as noted by Warren Buffett; Foerster et al. (2014): Study on the costs of financial advice, including average percentage-of-assets fees of 2.43%.

10. $93M number calculated as 2025 YTD TLH savings study conducted across 24,115 PortfolioPilot users on November 14, 2025.

11. Based on assumptions and projections that may not reflect actual outcomes.