IRAClarity

IRAClarity is a mobile + web AI-assisted IRA decision and compliance planner that helps people avoid costly, irreversible mistakes: over-contributions, missed deadlines, pro-rata surprises, and botched rollovers/conversions. Users connect accounts (or enter balances manually), then the app builds a plain-English “IRA map” showing Traditional, Roth, SEP, SIMPLE, and 401(k) balances, basis (Form 8606), and rollover history. It runs scenario checks for common actions—Roth conversion, backdoor contribution, rollover to 401(k), recharacterization (where applicable), and withdrawal timing—flagging tax traps and required paperwork. It generates a checklist of steps, dates, and forms to hand to a CPA or follow yourself. It does not pretend to replace tax advice; it’s a guardrail and organizer that reduces errors and makes professional help cheaper and faster.