Vocabulary

One saved set of inputs for one client, plus the result the engine computes from them. Also the name of the tool and of the optimized scenario inside a result. A Blueprint has a product and a name, and opens at /zlc/<id>. See also Result, Product

A Blueprint you created with New Case and filled in by hand. Its row in the Blueprints table shows the product in the Type column and a blue ribbon. See also Lead Blueprint, Ribbon

A Blueprint the quiz built for a prospect at the moment they submitted, on the product Generic Carrier / Generic Product with fixed assumptions. It is reached through the lead's row and reads Lead in the Type column. It has no row of its own. See also The lead Blueprint's assumptions

The annuity product or investment type a Blueprint models, chosen in Select Blueprint Type. The product decides which form you see, which fields are locked with carrier values, whether Use Carrier Rate and carrier illustrations are offered, and whether the guaranteed 0% scenario is included. See also Product picker

What the engine computes from a Blueprint's inputs. A result is never stored. It is recomputed every time the Blueprint page, a PDF, or the Excel export opens, and every open shows the same numbers. See also Result view

The do-nothing scenario inside a result: the client's accounts as they are, with no conversion. Every comparison in the result is Blueprint against Baseline. See also Side-by-Side

The record created when a prospect submits the quiz: the answers, the email and name, the public link, the lead Blueprint, and later the booking. It opens at /leads/<id>. A lead is locked or unlocked to you. See also Locked and unlocked, Lead page

A meeting a prospect booked on your calendar through the calendar system. The app keeps a copy of it with a start time, an end time, a status, a join link, and the prospect's time zone. Booking is the act; appointment is the record. See also Booking, Appointments tab

A retiree who opens the landing page, takes the quiz, and may book an appointment. Once the quiz is submitted, the app holds a lead record for that person. After the first meeting, the prospect is your client. See also Lead, Quiz

The people a Blueprint is built for. On the Blueprint form the first person is the client and the second is the spouse. The spouse fields exist only while Tax Filing Status is Married Joint. See also Tax Filing Status

Written to the database. The Blueprint tool saves only on Submit Blueprint; switching modes, changing the product, and typing save nothing. There is no autosave anywhere in the app, and a reload discards every unsubmitted edit. See also Submit Blueprint

The page at /dashboard. It holds the Blueprints, AnnuityScore, and Zero-Loss Transfer tables as tabs. The subtitle reads Every blueprint, score and transfer you've run, in one place.

The button at the right of every tab's toolbar. On Blueprints it opens a new Blueprint at /zlc/new. It is the only way to start a Blueprint; the Blueprint tool has no sidebar entry. See also Blueprint page

The box at the left of the toolbar. It searches about a second after you stop typing; you do not press Enter. On Blueprints it matches a client name or carrier, and a lead's name, email, or phone. Each tab's search is separate.

The checklist that chooses which columns the Blueprints table shows. Client, Age, Updated, and Actions are always on. Type, Value, Email, and Appt. are on by default. Carrier, Product, Income, and State are off by default.

Filters opens a dialog with Origin, Appt. Status, Value, Age, State, and Household. Nothing changes until Apply. Clear resets the dialog only, not the search. The button shows a count of filters that are not at their default. Appt. Status applies to leads only. See also Remembered view

The Blueprints table's last search, filters, sort, page, rows per page, and columns, restored on the next load of the dashboard. It survives reload and navigation and ends when you sign out. Only the Blueprints tab has one.

A notice from Roth Blueprint that sits above the dashboard tabs until you dismiss it. Read more opens the linked article. Dismissal is permanent and follows you to every device.

The download icon between Columns and New Case. One click downloads BlueprintAppointments.csv: one row per lead, newest first, 17 columns of contact details and quiz answers. It ignores the table's filters, includes hidden leads, and masks locked leads. Notes, phone, and meeting times are not in it. Its Calendly Appointment column reads Yes when the lead is booked; the heading keeps the old system's name. See also Locked and unlocked

The first tab of the dashboard. It lists every manual Blueprint you own and every lead you own that is not hidden, sorted together, 25 to a page, newest Updated first. A lead Blueprint has no row of its own; it is reached through its lead's row. See also Ribbon, Remembered view

The thin colored line at the left edge of a row. Blue marks a manual Blueprint. Olive green marks a lead. It is the only cue to a row's kind when the Type column is off.

A row with a blue ribbon. Type shows the product's label, such as Growth or Ascent. Value is the initial premium. Email and Appt. are dashes. Its only action is Delete. Clicking it opens the Blueprint. See also Manual Blueprint

A row with an olive-green ribbon. Type reads Lead. Value is the total IRA assets from the quiz. Updated is when the prospect took the quiz, not when they booked. Its actions are View lead, Hide, and Delete. An unlocked lead row opens the Blueprint; a locked one opens the lead page. See also Locked and unlocked

Yes when the lead is booked, No otherwise. A purchased lead also reads Yes although no meeting exists. See also Booked and booked at, Purchase lead to view blueprint

A locked lead shows a masked name such as Jane S., no email, and Purchase lead to view blueprint on its page. A lead unlocks when the prospect books or when you purchase it. Home-funnel leads reach you at booking, so they arrive unlocked. See also Purchase lead to view blueprint

Hide removes a lead row from your table. It changes nothing else: the prospect's results page, booking, and reminders keep working, and the lead is still in the export. The dashboard has no control to show hidden leads again.

The person icon on an unlocked lead row. It opens the lead page, so you can reach the lead without going through the Blueprint. See also Lead page

The trash icon on every row. On a Blueprint row a browser dialog asks Permanently delete this record? This cannot be undone. There is no trash and no undo. On a lead row it asks Delete this lead? It will be removed from your dashboard. The lead leaves your table, the export and its lead page, and its Blueprint no longer has a row on your dashboard. The record itself is kept, so an appointment already delivered still counts toward your plan. If the prospect takes the quiz or books again, the lead comes back.

The page at /leads/<id>. The number is the lead's id, not the Blueprint's. Reached from a lead row, from View lead, and from Client details on the Appointments tab.

The badge beside the prospect's name. Green Appointment booked when the lead is booked. Amber No appointment booked otherwise. A purchased lead reads booked with no meeting. See also Booked and booked at

Client holds Email, Phone, Age, State, and Marital. The phone arrives with the booking, not the quiz. Financial holds IRA value, Income, Risk tolerance, and Preferences, the IRA goal from the quiz.

A text area with Save. The note is the same text the Blueprint's Client Notes modal shows and edits. Whichever saves last wins. Notes appear in no PDF, export, or table. See also Notes and the Client Notes modal

The main button on an unlocked lead. It opens the lead's Blueprint in a new tab.

The main button on a locked lead. It posts at once with no dialog. It bills one appointment and marks the lead as booked with a placeholder booking reference.

The page at /zlc/new for a new Blueprint and /zlc/<id> for a saved one. The form is the left column and the result is the right column. The sidebar starts collapsed on this page to give it room. The kicker Blueprint #N carries the Blueprint's id. See also Result view

The Select Blueprint Type dropdown at the top of the form, grouped by carrier. Choosing a product swaps the whole form for that product's form, prefilled with its defaults. Changing it again replaces the form and loses what was typed. Nothing is saved until Submit Blueprint. See also Product

The one button that saves. It posts every field, visible or not, reads Calculating... while in flight, and is disabled until the response lands. On a saved Blueprint it saves and computes in one request, so a compute failure never loses the edit. An invalid submit shows a red sentence under each failing field. See also Saved

Edit mode shows the full form. Summary mode shows the input rail with Edit Inputs above it. A saved Blueprint opens in summary mode. Switching between the modes saves nothing and discards nothing. See also Input rail

The compact read-back of a saved Blueprint's inputs, in form order, grouped under the form's section labels. Money shows with $ and commas, percentages with %, and an empty value as a dash. Hidden conditional fields are not listed. Advanced Options fields always are. It refreshes only after a successful submit.

Edit Inputs hides the rail and shows the form. Back to Summary hides the form without saving. Keystrokes stay in the hidden form and reappear on the next Edit Inputs. Reload loses them.

The small icon beside every field label. It opens the field's tooltip on hover or click.

A gray, read-only field filled from the product, such as Carrier Name on a named product. It takes focus but refuses typing. Which fields are locked depends on the product. See also Product

The form's sections, numbered on screen: Client Data, Current Account Values, Taxable Income Calculation, New Account Data, and Optimizations, then the collapsed Advanced Options strip.

Single or Married Joint. A new Blueprint starts at Married Joint. It decides how the tax brackets are applied and whether the spouse fields are shown. Switching to Single hides the spouse fields but keeps their values. See also Client and spouse

A dropdown of the 50 states and Washington D.C., optional. Choosing a state replaces the state tax rate with that state's default and discards a custom rate. See also State Tax and (Edit)

The text at the right of the State label, such as State Tax: 4.4% (Edit). The rate is the app's default for the state, an approximate effective rate for retiree income, not a bracket. (Edit) opens a small box to type a rate from 0 to 20. Enter in the box stores the rate and does not submit. The rail lists it as State Tax Rate.

The client's name. Optional; blank saves as Valued Client. The first word becomes the card heading, the label of the client's Social Security block, and the name on reports.

The client's age, required. At least 26 and at most 100. The floor rises by one every January. It drives tax bracket projections, Social Security timing, RMDs, the Next SSI Payout Age list, and the Age(s) column of the income table. See also RMD

Shown only when married. Spouse Name is optional; blank saves as Spouse. Spouse Age is required when married, even though its placeholder shows the client's age. It feeds Social Security timing and the widow's penalty. See also Show Widow's Penalty, Who Dies?, Specify Age of Passing

The current value of the traditional IRA being analyzed for conversion. Required. Shown as Qualified AV when single. Limits 0 to 20,000,000. Commas appear as you type and a $ sits at the left edge.

The client's existing Roth balance. Optional; blank saves as 0. Shown as Roth AV when single.

The spouse's IRA and Roth balances, shown only when married. Both optional; blank saves as 0.

Full, Partial, or Optimized (Beta). Full converts the whole qualified balance. Partial converts the amounts typed below it. Optimized (Beta) lets the engine choose the amount and adds the Your Optimized Blueprint card to the result. See also Your Optimized Blueprint, Constraint Type

The amounts to convert, shown only under Partial. The placeholder is the saved qualified balance. A blank client amount saves as 0; a blank spouse amount stays blank.

On a married Blueprint, each person's Social Security fields sit in a block with a gray rule at the left, labeled with the first word of their name, or Client and Spouse when blank. A single Blueprint has one block with no label.

The age at which the person next receives Social Security, one list per person. The list runs from the person's age, or 62 if younger, to 100. For someone already receiving benefits, choose their current age. The list rebuilds when Age changes.

The next annual Social Security benefit, one per person. Optional; blank saves as 0. Limit 100,000.

The table of other income with columns Year, Age(s), Taxable, and Exempt. Year is today's year counted forward and is not saved. Taxable is pensions, 401k distributions, and other taxable income. Exempt is non-taxable income such as Roth distributions; it is not counted toward Social Security taxation or IRMAA. See also End Age

Add Year adds a row and disappears at 15 rows. The minus icon sits on the last row only, with two or more rows, and removes that row. Rows are removed from the bottom only.

The last row's values repeat for every later year of the plan. To stop income after three years, enter three rows and a fourth row of 0. The footnote under the table says the same. See also End Age

The one rail row that summarizes the table: $40,000 yr 1 for one row or $40,000 yr 1 · 3 yrs for three. The amount is the first row's Taxable plus Exempt. The row is omitted when every cell is 0. See also Input rail

The insurance company and the product. Locked and gray for most products. Editable on the generic FIA, where blank saves as Generic Carrier and Generic Product. AUM relabels them Investment Type and Description. See also Locked field

The upfront bonus percentage applied to the initial premium, prefilled from the product and usually locked. Limits 0 to 50. Absent for AUM.

No or Yes, present only for a product that offers a carrier illustration. Yes credits the carrier's own rate schedule to the contract. Rate of Return still drives the Baseline. See also Carrier illustration

The expected annual growth rate for the account. Prefilled 6; blank saves as 6. Limits 0 to 15. It is the growth rate for both scenarios unless Baseline Comparison Rate or Post Contract Rate of Return is set. Its value is also those two fields' placeholder. See also Baseline Comparison Rate

A card under Rate of Return for one product only. It holds Bonus Type, Surrender Period (Years) with the surrender charge readout, and, under Non-Guaranteed, a row of YoY Market Return toggles. Its values are saved but do not appear in the rail.

Optimized, Specified Amount, Tax Rate, or IRMAA Tier. It limits how much is converted each year and shows exactly one dependent field. Optimized lets the engine pick the bracket. Default Optimized. See also Bracket ceiling, IRMAA tier

The fixed conversion per year, shown under Specified Amount. Required there. Its error message calls it Specified Withdrawal. Saved as 0 under any other constraint.

The highest federal bracket the client will pay during conversion, shown under Tax Rate: 10, 12, 22, 24, 32, 35, or 37. A new Blueprint starts at 24. Higher means faster conversion and more tax. See also Bracket ceiling

The highest Medicare surcharge tier the client will trigger, shown under IRMAA Tier: Tier 1 / No IRMAA Surcharge to Tier 6. Left blank, the result has no IRMAA cap. See also IRMAA tier

The longest conversion window the engine may use, shown under Optimized. A new Blueprint is prefilled 12. A cleared field saves as 10. Limits 1 to 20. It is not checked against Years to Defer Conversion. See also Conversion window

Individual Income or Joint Income. Always shown. Whether income rider payments are based on one life or two.

No Withdrawals, Net Income, or Income Rider (Beta). The annual withdrawals taken from the Roth. The Baseline withdraws the same amount from the IRA. Also called the withdrawal type. Default No Withdrawals.

The three fields under Net Income. The start age must be at least the younger person's age. Desired Net Income is the annual after-tax amount to draw; its error message calls it Income Amount. Inflation Rate grows it each year.

The three fields under Income Rider (Beta), all required. The start age counts from the client's age. Initial Premium is the qualified money placed into the rider; it comes out of the IRA in proportion to each spouse's balance, is not converted, and cannot exceed the qualified balance. The annual income is a level payout for life, taxed as an IRA distribution, that continues after the rider's cash value is exhausted. See also Income Rider

The highest marginal tax bracket the plan may reach in a conversion year. Shown as Max Bracket, Tax Bracket, or Peak bracket while converting in the result. See also Marginal bracket

A Medicare income surcharge band. Tier 1 means no surcharge. A plan can be limited to a maximum tier. The Year-over-Year tables show the tier reached each year. See also IRMAA

The gray strip under Optimizations. A click opens it with a short slide. It is closed on every load and after every invalid submit, so a field error inside it is not visible until it is opened. The rail lists its fields whether or not it was opened.

Where conversion taxes come from: Out of pocket (Untracked), Primary IRA first, or IRA-to-Roth first. Default Primary IRA first. Under Out of pocket, the Net Income table marks the years whose tax was paid from outside money with an asterisk. See also Net Income

Yes or No, default Yes. If enabled, the ending balance never drops below the initial premium. AUM relabels it Protect Initial Investment.

The annual percentage that can be withdrawn without surrender charges. Prefilled from the product, 10 for the annuity products and 100 for AUM, and usually locked.

The number of years the surrender charge period lasts, prefilled from the product and usually locked. Absent for AUM.

The growth rate for the Baseline scenario. Blank on purpose: blank means the same as Rate of Return. Type a number only to compare against a different growth rate. See also Baseline

The growth rate after the surrender term. Blank means the same as Rate of Return. Absent for AUM.

Yes or No. Yes puts required distributions the client does not spend into a taxable side account. Yes for every Blueprint created since the option arrived. Older Blueprints and lead Blueprints read No. See also RMD

Years to wait before conversions start. Default 0, limit 20. It combines with Max Years to Convert with no cross-check.

The age at which the analysis ends. Default 100, limits 75 to 100. The last row of the income table runs to this age. See also The final row carries through End Age

The estimated tax rate heirs pay on inherited traditional IRA funds. Default 40, limits 0 to 60. It is what makes lifetime wealth an after-heir-tax number. See also Lifetime wealth

Show Widow's Penalty models one spouse passing at a set age. Yes shows Who Dies?, Primary or Spouse with Spouse the default, and Specify Age of Passing, prefilled 85 and required.

The Notes button under the form heading, visible in edit mode. It opens the Client Notes modal with a text area and Save Notes. The word Saved confirms a save; the modal stays open. On a lead Blueprint the notes are the lead's notes. See also Notes

The menu opened by Actions in the result's top row, after Expand and Presentation Mode. It holds Duplicate, New Blueprint, Excel, Change Theme, PDFs, and Presentation. It is part of the result, so it is absent while the result loads. A click outside closes it.

Copies every saved input into a new Blueprint you own and opens it with the banner Blueprint duplicated successfully. The name gets (Copy), then (Copy 1), (Copy 2). A copy of a lead Blueprint is a manual Blueprint with its own row, no longer linked to the lead. See also Manual Blueprint

Opens /zlc/new, the same page as New Case on the dashboard. Nothing is saved or copied. See also New Case

Downloads Blueprint Values (N).xlsx, one household sheet and one sheet per account for each scenario, every year listed. It is the proof-of-math export.

A submenu of screen themes for the result and the form, remembered in this browser for every Blueprint. Today it holds one entry, Default. It does not change the PDFs.

Opens the presentation builder at presentation.rothblueprint.com in a new tab, signed in and pointed at this Blueprint. Not the same as Presentation Mode, which is the full-screen view of the result here. See also Presentation Mode

There is no delete on the Blueprint page. The trash icon on the dashboard row asks Permanently delete this record? This cannot be undone. and removes the Blueprint. No trash, no undo. See also Delete

The right column of the Blueprint page. Across its top are Expand, Presentation Mode, and Actions. Below them the cards, then the line This optimized plan is for educational purposes only. and Report Generated: with the browser's current time, because a result is never stored. See also Result

The loading state. The spinner is hidden for the first 450 ms so a fast result never flashes it.

The card that replaces a result when computing fails: Couldn't compute the blueprint with a Retry button. Retry reloads the page. The saved inputs are not affected.

Three banners can sit above the cards. Parameters not feasible. means the cards do not render; check the form. Conversion not possible in specified window. means the window setting is ignored. A sentence from the engine explains when a requested conversion was reduced to $0 because it lowered lifetime wealth. Each dismisses until the next result load.

Expand widens the result to the full page and hides the form column. The label becomes Collapse. The state is not remembered across loads.

A full-screen view that shows one card at a time on a dark backdrop with arrows, a counter, and a close button. Left and Right move, Escape closes. The Year-over-Year tables are not slides. See also Presentation

The first card, shown only when Conversion Amount is Optimized (Beta) and the engine chose a plan. It reads We ran N iterations of your tax landscape. This strategy ranked #1. and shows Max Bracket / Tier and Conversion Amount. The iterations number is fixed for the Blueprint, derived from its id, and the scatter chart is illustrative. The two figures under Optimization Results are computed. See also Conversion Amount

Lifetime Wealth Comparison for the client. Three columns: Baseline with After-tax wealth, no changes, Difference with the dollar change and a signed percentage, and Blueprint. A married Blueprint adds Household, Client, and Spouse tabs; household-level items are split evenly between the two, so each person tab is an approximation. See also Lifetime wealth, Baseline

The strip above the Side-by-Side comparison under Full or Partial. Optimization Results when the constraint is Optimized and the engine chose a ceiling. Your Conversion Ceiling under Tax Rate or IRMAA Tier. Conversion Plan otherwise. Absent under Optimized (Beta), because the first card already shows the figures.

The after-tax dollars the household ends with over the plan horizon: the client's spending plus what heirs receive after their tax. The headline comparison is Baseline lifetime wealth against Blueprint lifetime wealth. The Difference is the lifetime gain. See also Heir Tax Rate

The share of lifetime dollars that went to tax and Medicare surcharges, shown for Baseline and Blueprint side by side with fill bars and the sentence From X% down to Y%. A Breakdown tooltip lists Tax rate, IRMAA rate, and Total. See also IRMAA

One column per plan year on a shared dollar axis, under the eyebrow Your optimal income zone. The dim part is the year's other taxable income, the colored part is the conversion, a marker shows the bracket reached, and the red zone above is the region to avoid. Under it: Years to convert, Peak bracket while converting, and After the window. See also Marginal bracket

A flow diagram to three endpoints: Your heirs · after their tax, You · after-tax income, and The IRS · taxes & IRMAA, with a Baseline / Blueprint tab pair and a signed difference on each. The payoff line reads +$X stays with your heirs instead of the IRS, or Nothing changes hands: the two plans match.

The conversion schedule, headed N years to convert, then it's tax-free. Tabs To Roth and, when an IRA balance remains, Stays in IRA. Five rows show at first; Show Full Schedule reveals the rest. A married Blueprint makes it three slides, Household, Client, and Spouse. See also Conversion window

To Roth: Age, Remaining of the IRA, Taxes, Conversion, Bracket or / tier when a per-year ceiling exists, Interest on the Roth, and E.O.Y. Roth value. Stays in IRA: Age, Remaining, Dist, Taxes, Income, Interest.

The years in which conversions happen, from the first conversion to the last. A year inside the window with no conversion is a paused year and is listed as a row reading 0 so the ages run without a gap. See also Max Years to Convert

The centered label over the accordion at the foot of the result. It holds one section, Year-over-Year Values, which starts collapsed. See also Year-over-Year Values

The collapsed section under The Details with + Expand at its right. Open, it shows the scenario toggle, a caption, the tab row, and one table. Everything for both scenarios is in the page from the start, so switching is instant. It resets on every result load.

Two buttons, Baseline with a red dot and Blueprint with a blue dot. Blueprint adds the Conversion Details tab and, when the plan has an income rider, Income Rider. The chosen tab is shared; pressing Baseline on a Blueprint-only tab snaps back to Account Overview.

B.O.Y. (Combined), Dist. (IRA), Converted, Taxes (IRA), Income (IRA + Roth), Interest, E.O.Y. (IRA), E.O.Y. (Roth). Beginning and end balances, the year's IRA distribution, the amount converted, the tax on IRA activity, the income taken, and the growth. See also B.O.Y. and E.O.Y.

SSI (Total), SSI (Taxable), Non-SSI (Taxable), Non-SSI (Exempt), Dist. (IRA), AGI. Social Security, other income split by taxable and exempt, the IRA distribution, and the adjusted gross income they make. See also AGI

AGI, Deduc. (Standard), Deduc. (Age 65+), Deduc. (Senior), Deduc. (Total), Income (Taxable), Bracket. The deductions taken off AGI and the marginal bracket the year lands in. See also Deductions

AGI, Income (Exempt), MAGI, Tier, IRMAA (Total). Tier reads Pre-IRMAA for a year in which nobody in the household is 65 or older. Hovering MAGI highlights the Tier cell two rows below, which shows the two-year lookback. See also MAGI, Two-year lookback

Income (Non-IRA), Dist. (IRA), Income (Roth), Converted, Taxes (Total), IRMAA (Total), Income (Net). What the household lives on after tax, surcharges, and the conversion. Under Out of pocket (Untracked) an asterisk marks a year whose conversion tax was paid from outside money. See also Tax Payment Source

Blueprint only. One row per year of the conversion window, including paused years at 0. Its columns change with the constraint: Income (Taxable) or MAGI (Non-IRA), Max Tax Bracket (N%) or Max IRMAA Tier (Tier N), then Taxes (IRA), Conversion Amount, Interest, E.O.Y. (IRA), E.O.Y. (Roth), and Constraint. A plan that converts nothing shows This case does not convert into a Roth IRA. See also Constraint

Blueprint only, present when the first year carries an income rider balance. One table per person with B.O.Y., Interest, Income, and E.O.Y. After the rider account is exhausted, Income keeps paying while the balances read 0. That is the guarantee, not a fault. See also Income Rider Start Age, Initial Premium, Income Rider Annual Income

The last column of Conversion Details. It names what limited the year's conversion, in the engine's own words, such as Penalty Free Withdrawal or Protect Premium. The Max cell shows the dollar ceiling of the bracket or tier reached, with an asterisk when that is below the maximum allowed.

Hover a computed cell and a small panel lists each term with its label, a rule, and the result in bold, such as $36,000 (Primary SS) + over $41,200 (Total). Some cells carry a sentence instead, such as N% Taxable or Under 65 - IRMAA does not apply. On a touch screen, tap to open and tap again to close.

Every table starts with Year and Age; a married row reads both ages with a slash. Dollar cells are whole dollars with commas and no $. Values at or above $1 billion abbreviate, such as 1.2b. A missing value reads N/A. Blue is conversion and Roth, green is income and growth, red is tax, IRMAA, and bracket.

Beginning of year and end of year. A balance at the start of a plan year, and the balance after that year's distributions, conversion, taxes, income, and interest.

The dollars taken out of the traditional IRA in a year, including required minimum distributions and withdrawals for income. It is taxable income in the year it happens. See also RMD

Required minimum distribution. The amount the tax code makes the client withdraw from a traditional IRA each year from the required age. Reinvest RMDs decides what the plan does with an RMD the client does not spend. See also Reinvest RMDs

Adjusted gross income: the taxable share of Social Security, plus taxable other income, plus IRA distributions. It is the top line the deductions come off. See also AGI

The share of Social Security that counts as income, from 0% to 85%, decided by the household's other income. The tooltip reads N% Taxable or No SSI.

Deduc. (Standard) is the standard deduction for the filing status. Deduc. (Age 65+) is the extra amount for each person 65 or older. Deduc. (Senior) is the senior deduction. Deduc. (Total) is their sum, taken off AGI to give taxable income, which floors at $0.

AGI minus the total deductions. The number the brackets are applied to.

The federal tax rate on the last dollar of taxable income in a year: 10, 12, 22, 24, 32, 35, or 37 percent. The Bracket column shows the bracket a year lands in. A conversion adds to taxable income and can push a year into a higher bracket, which is what the bracket chart makes visible. See also Marginal Tax Bracket Management

Modified adjusted gross income for Medicare: AGI plus exempt income. It is the number IRMAA reads.

The income-related monthly adjustment amount: the Medicare surcharge a household pays when its MAGI from two years ago sits above a threshold. It applies only from age 65. The IRMAA header in the tables links to a help article. See also IRMAA tier

This year's IRMAA surcharge is set by the MAGI of two years ago. In the MAGI (IRMAA) table, hovering a MAGI cell highlights the Tier cell two rows below it for this reason. See also MAGI (IRMAA)

What the household keeps in a year after federal and state tax, IRMAA, and the conversion. A conversion tax paid from outside money is added back, so net income is not reduced by it.

The tax heirs pay on an inherited traditional IRA, at the Heir Tax Rate. It is why a dollar left in an IRA is worth less to heirs than a dollar left in a Roth, and it is inside lifetime wealth. See also Heir Tax Rate

State income tax at the Blueprint's State Tax Rate, applied to conversions. The rate is an approximate effective rate for retiree income. See also State Tax and (Edit)

The submenu of the Actions menu. It lists New PDF (Dark), New PDF (Light), Baseline Report (Legacy), Blueprint Report (Legacy), and for a product that offers one, Carrier Illustration (Primary) and (Spouse). While a report generates, Actions is a spinner. See also Actions menu

The same report in a dark or a light color set: cover, Client Inputs, RBP Outputs & Optimizations, the household comparison, the bracket chart, Where the Dollars End Up, the year-by-year schedule, the 0% page for guaranteed-rate products, and Important Disclosures. They do not carry the report disclosure. Dark is for the screen; Light is for printing.

Two reports on one layout, red for Baseline and blue for Blueprint: cover, the inputs in boxes, two charts, one page per year-over-year table, and the disclaimer. They are the only reports with the year-over-year tables and the only ones that carry the report disclosure. See also Report disclosure

The text you set on the PDF branding page under Settings. It is appended as the last page, Advisor Disclaimer, of the two legacy PDFs only.

A PDF fetched live from the carrier for products that support it, one per person. The app sends one person's contract and returns the carrier's own PDF in a new tab. A product without one shows This product does not have a carrier illustration. See also Use Carrier Rate

A second run of the plan at a 0% rate of return, included for specific carrier products. It is not a form input; the product decides it. It appears in the new PDFs as The same plan at 0% growth. and in the legacy Blueprint report as Guaranteed Values.

After a few seconds a new tab opens showing the PDF and the browser saves it under a fixed name such as New Blueprint (Dark).pdf. The name does not include the client. If the first request fails, the page retries once in a new tab; a second failure shows a plain sentence there. A request is cut off after 120 seconds. There is no limit on how many you make.

The product: you buy a number of appointments a month, and prospects from the shared funnel book onto your calendar until that number is used up. Its page is the hub at /virtual-marketing, reached from the sidebar item Virtual. See also The hub, Volume

The Virtual Marketing page. Not started, it shows the pitch and Get started. Started, it shows Setup while any step is pending, then Appointments and Configure once the calendar is live. The tab you were on is not remembered.

The one button on the pitch. It switches Virtual Marketing on, opens the Setup tab, and shows Virtual Marketing is on. A few steps and leads can book you. It charges nothing, asks for no card, and creates no subscription.

The badge in the page head while any Setup step is not done. N counts done steps and M is 6. It moves without a page load when a step saves. See also Setup step

The green dot badge once the calendar is switched on and Setup is complete. Live is not the same as pooled: a live advisor with no balance receives nothing. See also Pooled

Setup with its count as N/M, Appointments with the number of upcoming meetings, and Configure with an amber dot when no working calendar is connected. Clicking a tab switches in the browser; the address bar does not change.

One of six cards on the Setup tab: where you are based, how many appointments per month, your calendar, payment card, authorization to bill, place your order. Each has a pip on the rail and a kicker Step N of 6. See also The ladder

The rail of steps and their three states. Done: a tick, a summary line, and Change. Current: open with its controls. Locked: the title and Unlocks after you …, naming the first unfinished step, with no controls. A step that stops being true, such as a calendar that stops working, reopens on its own.

Save and continue saves a current step and opens the next. On a done step, Change opens the controls and the button reads Update. Every save shows a notice inside the card.

One select, State. Leads in your state are offered to you first, so it comes first. After going live there is no control to change it. See also Same-state preference

One slider, Appointments per month, from 5 to 50 in steps of 5, opening at 20, with the readout $5,000 per month, at $250 each. It stores a number and charges nothing. That number is the quantity of the first order. See also Volume

Four numbered parts and one button: Your booking page, Connect your calendar, When leads can book you, and What leads will see, then Activate calendar. See also Activate calendar

Shows the card on file, such as Visa ending in 4242, or No card on file yet. Add a card and Use a different card open the Payment method page with a Back link. Saving there returns to Setup. Nothing is charged here.

Read and sign opens a page headed One thing before you continue with the agreement inside it. When you finish signing, the page returns to Setup on its own. When there is nothing to sign the step reads Nothing to sign right now. and counts as done. See also The agreement

The document Authorization to Bill for Requested Appointments, signed inside the page. It cannot be unsigned. Your signed copy is under Download your copy on the step and Download PDF on Configure.

A receipt, 20 appointments per month at $250 each and $5,000 today, then monthly on Visa •••• 4242, and the button Pay $5,000 and go live. It opens Confirm your order. This is the one step that moves money. See also Order

The dialog with Appointments per month, Price, Card, and Charged today, plus Back and Pay $N and go live. Escape or Back closes it and posts nothing. A second press cannot charge twice.

The green banner after a successful order: You're live: 20 appointments per month, starting now. The page opens on Appointments, the Setup tab is gone, and the page head shows the Live dot. If the card is declined, nothing is charged and the Payment method page opens. See also Live

Your public booking page at calendar.rothblueprint.com/<slug>. The slug is chosen once in Setup step 3, suggested from your name, and permanent once saved. Letters, numbers, and single dashes.

The 30-minute booking page the calendar system creates at <address>/intro when the link is saved. It exists before you are live, but the shared funnel does not point at it and you are not in the round robin until Place your order.

One of seven: Eastern, Central, Mountain, Arizona (no daylight saving), Pacific, Alaska, Hawaii. Set with the booking link and again under the hours. It is the clock the Appointments tab uses.

The Google Calendar or Outlook Calendar you have authorized. It tells the calendar system when you are busy. A row reads connected, needs reconnecting, or has a plain Connect. Connect leaves for Google or Microsoft and comes straight back; Roth Blueprint never sees your password. See also Needs reconnecting

The connection stopped working, usually because access was removed at Google or Microsoft. Press Reconnect. Until you do, nothing can check your busy times. A live advisor whose connection breaks sees the Setup tab return beside Appointments and Configure, with both badges.

Removes the connection and its stored credential. Disconnecting Google Calendar also removes Google Meet and moves the meeting location to Roth Blueprint Video. See also Meeting location

Your weekly availability: seven rows, Monday to Sunday, each with a checkbox, a start, and an end. Monday to Friday, 9 AM to 5 PM to start. A day that is off shows its times dimmed. Prospects can book only inside these hours, and at most 10 days ahead. A split shift set in the calendar app cannot be edited here.

Expands the real booking page inside the card under the line This is your live page. A booking made here is a real booking. Open in a new tab opens the same page at its own address.

The button at the foot of Setup step 3. It saves the hours, repairs the calendar setup, and checks the connection live. A working calendar reads Your calendar is ready. and the step is done. It does not switch bookings on; only the order does. See also Live

The video service for booked meetings, set under Where meetings happen on Configure: Roth Blueprint Video (default, no setup), Google Meet (needs Google Calendar connected), Zoom (coming soon), or Microsoft Teams (a one-time connect). The booking email calls Roth Blueprint Video Cal Video.

The number of appointments per month you have chosen, from 10 to 100, default 20. After the first order, a change takes effect at the next billing date. Nothing is charged part-way through a month. See also Billing date and billing cycle

The amount charged per appointment: $250.

The first purchase, made with Pay $N and go live on Setup step 6. It charges volume times price today, starts the monthly subscription, credits the first month to purchased, and switches the calendar on. See also Purchased

The day each month the subscription renews, and the period between two renewals. Every volume change, pause, and resume is applied at the next billing date. The date appears only inside the pause and resume messages.

The running total of appointments you have paid for since Virtual Marketing started. It rises at the first order and at every renewal. It never falls. Configure shows it as You've bought N appointments in total. Any you haven't received yet carry over.

The number of your leads that have booked since your first paid month, excluding agent inbound funnel leads. One lead is one unit. A reschedule is not a booking and a cancellation does not subtract. The interface does not show this number. See also Booked and booked at

Purchased minus delivered. Above zero, you are pooled. It can go below zero if more meetings land than were bought; you then leave the pool until the next renewal. The interface does not show the balance either. See also Pooled

You are in the round robin and can receive homepage bookings. You are pooled when your calendar is set up, you are not paused, and delivered is less than purchased. Membership is rechecked at every booking, renewal, pause, and hourly. See also Round robin, Live

The shared booking page every homepage prospect books through. The prospect sees the open slots of every pooled advisor merged into one calendar, and the calendar system chooses the host for the slot they pick. Roth Blueprint does not pick. See also Same-state preference

The booking link carries a preference for pooled advisors based in the prospect's state. It is a preference, not a filter: a same-state advisor wins only when they are free for the slot chosen, and other prospects still reach you. See also Step 1: Where are you based?

The advisor the calendar system names on a booking. The host becomes the lead's owner and is the advisor whose balance the unit is drawn from. See also Booking

Out of the pool now, with the monthly quantity dropping to 0 at the next billing date. The balance is kept. Resuming puts you back in the pool if a balance remains and bills the remembered volume from the next billing date. Every advisor with a subscription has Pause appointments on Configure (and on the Setup volume step before going live). While paused the slider is hidden and Resume appointments restores the remembered volume.

There is no cancel control in the app. Pause appointments on Configure stops billing from the next billing date. Closing it for good goes through support. A bought balance is never forfeited by anything in the product.

The act of a prospect picking a slot. In order: the lead and its Blueprint move to the host, the phone from the booker is written to the lead, the booking reference and booked at are written, the New Lead email is sent, the CRM webhook fires, and one unit is drawn from your balance. See also Appointment, New Lead email

A lead is booked from the moment a booking is recorded, and booked is permanent: a cancellation does not clear it and a reschedule keeps one booking. Booked at is when the prospect booked, not when they meet. Booked is what unlocks a lead and what counts as delivered. See also Delivered

One card, Upcoming appointments, with the subtitle Times shown in <zone>. and one checkbox, Show past and cancelled. Rows are soonest first. It holds no counts, no calendar grid, and no settings. It is the tab the hub opens on once you are live. See also The mirror and the hourly sweep

The prospect's name in bold, the start time at the right such as Thu 18 Sep, 2:00 PM, then the email, Client details, Blueprint, and Join. Client details opens the lead page. Blueprint opens the prospect's public results page, not the Blueprint tool. No linked client appears when the booking carried no lead. See also Lead page

Opens the video meeting in a new tab. It is on every upcoming row that has a meeting link and stays until the meeting's end time, so a meeting in progress can still be joined.

Upcoming: the end time is in the future and the status is not cancelled. Past: the end time has passed; a gray badge in the history. Cancelled: the calendar reported it cancelled or rejected; a red badge in the history from the moment of cancellation. Every appointment is in exactly one list.

The checkbox at the card's top right. Ticked, it reveals the heading Past and cancelled and the history, newest first, up to 100 rows. It is unticked on every load.

The app's copy of your appointments. A booking adds a row at once, and once an hour the sweep reads every pooled advisor's bookings from the calendar system, records any the live path missed, and refreshes the copy. That is why the empty state reads Nothing booked yet. New appointments appear here within the hour. Your connected calendar is the live source.

The briefing you receive once per booking, subject New Lead: <name> - <email> · <time>. Blocks: When, Where with Join the meeting, Client, and What they told us with every quiz answer. The button View the full blueprint opens the lead page. Sent by Roth Blueprint, not by the calendar system.

The prospect moved the meeting. The appointment keeps one row and moves to the new time; the old time appears under Show past and cancelled. You get one email, Appointment rescheduled: <name>, with the new time. Nothing is billed again and delivered does not change.

The prospect cancelled from the confirmation email. The row leaves Upcoming appointments and appears in the history with a red Cancelled badge. The lead stays booked and unlocked, no unit is returned, and Roth Blueprint sends you no email; the calendar system sends its own notice. The prospect gets a rebook email 15 minutes later.

Not detected. The appointment becomes Past when its end time passes, and the thank-you and check-in messages go out as if the meeting happened.

The settings tab at /virtual-marketing?tab=configure, present once the calendar is live. An amber dot on it means no working calendar is connected.

The volume card: the slider, Save, Pause appointments, and the purchased sentence. A save shows From your next billing date you'll receive N appointments per month. The slider shows the new number at once, but the current cycle keeps delivering against what was already bought. While paused the slider is hidden and Resume appointments takes its place. See also Volume

The connection card: Google Calendar and Outlook Calendar rows with Connect, Reconnect, or Disconnect, and a warning above them when none works. See also Calendar connection

Four radio rows and Save meeting location. Choices you cannot use are disabled with the reason beside them, such as needs your Google calendar connected. See also Meeting location

The seven weekday rows, the Time zone select, and Save working hours. A saved time zone also becomes the zone the Appointments tab shows times in. See also Hours

Preview my booking page and Open in a new tab. The open slots come from the hours and calendar above. See also Preview my booking page

A rich-text editor labeled Your disclosure. The text is included in the footer of every follow-up email your clients receive. Saving reads Lead settings saved.

Visa ending in 4242 with Update card, or No card on file. with Add a card. Both open the Payment method page with a return to this tab.

A collapsed card with Show. Open, it warns For advanced users. and holds Webhook URL with Save advanced settings. Collapsed, it reads Webhook set. or No webhook set.

The public page the prospect opens first. It holds the hero, the credibility strip, the three promises, the quiz, and the FAQ.

The card in the middle of the landing page: one question per step, 12 to 15 steps depending on marital status and age, ending with email and name. Each step has a Why this question? link. The quiz never asks for a phone number. Nothing reaches the server before Submit. See also Lead

Pressing Submit covers the screen with Running your Numbers… and posts every answer. The server creates the lead, builds and computes the lead Blueprint, sends the first drip email, and opens the results page. See also The lead Blueprint's assumptions

Built on Generic Carrier / Generic Product with a 6% rate of return, 2.5% inflation, 40% heir tax, the household income flat for 5 years then stopped, income to age 100, Constraint Type Optimized, Conversion Amount Full, taxes from the primary IRA first, and Reinvest RMDs No. The IRA goal and risk tolerance are stored on the lead; the engine does not read them. Review these before the first meeting. See also Lead Blueprint

A submit with an email that already has a lead under 30 days old, or one holding a future meeting, updates that lead in place: new answers, same public link, same booking, no new drip email. After 30 days with no meeting, a new lead and a new link are created.

The page at /results/<token> that shows the prospect Projected Blueprint Gains, their inputs read back, their projections, and the booking section. It is recomputed from the lead Blueprint on every load, so your edits to that Blueprint change what the prospect sees next time. It has no PDF.

The prospect's permanent, unguessable results URL. Anyone with the link can see the projections and book. It never expires. Deleting the lead makes it show the not-found page.

The results page headline: Blueprint lifetime wealth minus Baseline lifetime wealth, clamped at $0 and rounded down to $10,000. See also Lifetime wealth

The part of the results page headed Receive your full conversion plan from a certified blueprint specialist. with the inline booker. A New York prospect on the home funnel sees We're sorry — we don't currently offer services in New York. instead. See also Round robin

What replaces the booking section once the prospect holds a live meeting: You're on the calendar — nothing else to do right now. with the date, time, host, and Need a different time?, which opens the calendar in reschedule mode so a new pick moves the meeting instead of adding a second. See also Rescheduled

The seven pre-booking emails sent from quiz submission to day 14. New York prospects and repeat submitters get none. The emails link to the scheduler page, which holds only the booking section.