Stop guessing.
Start optimizing.
DrawDownIQ analyzes your retirement accounts and shows you the smartest withdrawal sequence for the current tax year — so you minimize taxes and make your money last.
Financial advisor? See the professional version →
Three buckets. Infinite combinations. One optimal path.
You have savings in accounts taxed differently. The order you withdraw from them each year determines your tax bill. DrawDownIQ finds the optimal sequence for the current tax year.
Traditional IRA / 401(k)
Every dollar withdrawn is taxed as ordinary income. RMDs force withdrawals starting at age 73.
Brokerage Account
Only capital gains are taxed, often at preferential rates. Flexible but easy to mistime.
Roth IRA
Qualified withdrawals are completely tax-free. A powerful tool — if used at the right moment.
DrawDownIQ models multiple withdrawal strategies across all three buckets so the best path is visible — not guessed.
Tax-aware dynamic withdrawals
Combines RMD-aware sequencing, capital-gains placement, and Social Security taxation thresholds to maximize after-tax income for the current year.
Lower-risk withdrawals
Prioritizes stability with smaller annual draws to extend portfolio longevity at the cost of some tax efficiency.
Default IRA-first approach
The most common withdrawal pattern — IRA first, Roth last — often leaves thousands in unnecessary taxes on the table.
Hypothetical household, not a real client. Illustrative example only — your actual results will vary based on your inputs. Not financial or tax advice. See full disclaimer →
Withdrawal Sequencing
See the optimal order to draw from your IRA, Roth, and brokerage accounts each year to minimize bracket exposure.
Medicare IRMAA Alerts
Know before you withdraw. DrawDownIQ flags income levels that trigger Medicare premium surcharges two years forward.
Side-by-Side Scenarios
Compare three withdrawal strategies for the current tax year side by side — federal, state, IRMAA, and Social Security taxation in one view.
Secure & Private
Your financial data is encrypted in transit and at rest. We never sell your data to third parties.
Give every client a tax-optimized withdrawal strategy. Automatically.
DrawDownIQ for Professionals runs withdrawal sequencing analysis across your entire client base — modeling account types, tax brackets, RMDs, IRMAA tiers, and Social Security taxation — in minutes, not hours.
- Withdrawal sequencing analysis
- 3 scenarios per session
- All 50 state tax rates
- PDF export
- Email support
- Unlimited clients
- Full advisor dashboard
- Save & load client sessions
- Client-ready PDF reports
- Priority support
- API access
- Custom branding
- Dedicated onboarding
- SLA & priority support