Scenario math vs advice

An educational scenario tool answers: “If MAGI were X, which IRMAA bracket applies, and what is the surcharge arithmetic?” It shows inputs, formulas, and side-by-side cases.

Investment advice answers a different question: “Given your securities and goals, what should you buy, sell, or roll over?” That activity can trigger Advisers Act registration and fiduciary duties. Automation does not remove the obligation.

Product design choices that stay on the educational side of the line:

• No imperative language (e.g. instructing a specific conversion amount).
• No ranking of a single “best plan for you.”
• No rollover or account-type recommendations.
• Deterministic engines; language models may explain outputs, never invent conclusions.

PensionAI Gate 0 ships only the IRMAA calculator and these notes. If a later gate adds Roth conversion scenarios, they will remain comparisons — not instructions — and will still require your judgment and, when needed, a licensed professional.