Best Roth Conversion Software for Financial Advisors: 2026 Comparison of the Top 5 Platforms

Roth conversions have become one of the most valuable planning opportunities advisors can offer clients right now. Savers are watching future tax rates, Required Minimum Distributions, Medicare IRMAA surcharges, and what they’ll leave behind for their heirs. That means advisors need software that can work through complex planning decisions – AND explain the recommendation in ways a client can actually understand.

Every platform on the market takes a different approach. Some are built for full-picture financial planning. Others specialize in tax analysis. A few are designed specifically to help advisors walk clients through the decision step by step.

So which Roth conversion software is right for you? Here’s how five leading platforms compare, and how each one can support your Roth conversion business.

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What Should You Look for?

Roth conversion software can vary greatly in scope and approach. Whichever platform you choose, it should help you do the following for your client:

• Evaluate whether a Roth conversion makes sense
• Model taxes spent on the conversion against taxes saved through it
• Produce a clear, easy-to-understand client report
• Help clients move forward with your recommendation, confidently

Many advisors also want their software to:

• Show a conversion’s potential impact on IRMAA Medicare surcharges
• Lay out a year-by-year break-even analysis
• Model multiple scenarios to help find the right conversion structure
• Bring other financial vehicles, like annuities or life insurance, into the picture

No single platform is the right fit for every advisor. The best choice depends on your sales process, your planning philosophy, and the clients you serve.

Here’s how five platforms compare on the features that matter most to advisors and their clients: eMoney, Holistiplan, RightCapital, Roth Blueprint, and Stonewood’s Roth Done Right.

eMoney

Best For: Full-Picture Financial Planning

eMoney is one of the industry’s leading financial planning platforms. Advisors who deliver full-picture planning appreciate its retirement projections, estate planning tools, cash-flow modeling, and client portal. Roth conversion analysis lives inside a much broader planning solution here, not as its own focused tool.

Strengths

• Full-picture financial planning
• Strong retirement projections
• Solid client portal
• Well-established platform

Considerations

• Steep learning curve
• Not built specifically for targeted Roth conversion education, analysis, or marketing

Holistiplan

Best For: Tax Planning

Holistiplan has become a favorite among advisors for making tax-return analysis fast. Its Roth conversion recommendations are built directly from a client’s tax return, so advisors can fine-tune the plan from real numbers.

Strengths

• Strong Roth conversion modeling
• Easy data entry
• Real time savings for the advisor

Considerations

• Needs a completed tax return to run
• Less focused on client presentation and Roth conversion marketing

RightCapital

Best For: Retirement Planning

RightCapital pairs retirement income planning with a modern interface and built-in Roth conversion analysis. It’s a solid option for advisors building out full retirement plans.

Strengths

• Full retirement planning
• Modern, intuitive interface
• Strong client experience

Considerations

• Less tax depth than dedicated tax software
• Limited marketing capabilities

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Roth Blueprint

Best For: Advanced Roth Conversion Analysis

Roth Blueprint is built for advisors who recommend Roth conversions regularly. It offers detailed scenario analysis and planning tools focused only on Roth strategies.

Strengths

• Specialized Roth conversion planning
• Strong scenario modeling

Considerations

• Narrower scope than full-picture planning platforms
• High-detail client reports require advisor guidance

Stonewood Roth Done Right

Best For: Client Education & Practice Growth

Roth Done Right is designed to balance complex Roth calculations with a powerful client output that savers can actually understand. The visual reports break down complex tax concepts in a meaningful way, and drive client decisions and confidence fast.

Beyond the software, Stonewood also offers group marketing and lead-gen tools so advisors have a fully-aligned CTA system for growing their Roth conversion business.

Strengths

• Easy to use
• No tax return required
• Simple, visual client reports
• Models taxes, IRMAA, and break-even across multiple scenarios
• Can bring annuity and life products into the analysis
• Helps clients move toward a decision, confidently

Considerations

• Not meant to replace full-picture financial planning software
• Less detailed tax-return analysis than dedicated tax-planning platforms

Which Platform Is Right for You?

• Choose eMoney if full-picture financial planning is your priority.
• Choose Holistiplan if tax planning drives your advisory process.
• Choose RightCapital if retirement income planning is your specialty.
• Choose Roth Blueprint if your practice centers on advanced Roth conversion strategies.
• Choose Roth Done Right if your goal is to simplify complex recommendations, help more clients move forward with implementation, and grow your practice through proactive marketing.

Final Thoughts

Each of these platforms is strong in its own lane.

If you need enterprise-level financial planning, eMoney and RightCapital are excellent choices. If detailed tax analysis is your priority, Holistiplan remains one of the industry’s leading solutions. Advisors focused on specialized Roth conversion modeling should take a look at Roth Blueprint.

And for advisors who want to simplify the client conversation with an easy-to-present analysis, Stonewood’s Roth Done Right takes a different approach, one built to help close business faster (we’re a little partial here, naturally).

The best Roth conversion software isn’t the one with the most features. It’s the one that fits how you work, improves the client experience, and helps clients confidently follow through on sound planning.

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