IRAGuard

IRAGuard is a mobile + web app (traditional app with light AI) that acts like a “pre-flight checklist” for IRA and Roth IRA actions. Users connect accounts (or manually enter transactions) and the app flags common, expensive errors: excess contributions, missed recharacterization windows, Roth conversion tax surprises, early distribution pitfalls, RMD confusion for inherited IRAs, and contribution eligibility issues based on income and filing status. It generates a plain-English action plan with deadlines, required forms, and what to ask your custodian or CPA. The AI layer is limited to explaining rules in context and drafting a checklist email to your accountant—no pretending it’s a tax pro. The value is reducing penalty risk and decision paralysis, not beating brokerages at investing. Monetization: subscription for monitoring + one-time “transaction review” for conversions/rollovers.