Planning Tools
& Resources
Calculators and planning frameworks to help you think clearly about the decisions that matter most. Built for your situation, not a generic one.
Calculators & Planning Tools
Run the numbers on real decisions. Each tool is built around a question clients ask us regularly. Enter your own numbers and see where you stand.
Roth vs. Traditional IRA
Should you contribute pre-tax or after-tax? Enter your current rate, expected retirement rate, and contribution amount to see which account leaves you with more after taxes.
RMD Estimator
Individuals over a ceratain age are required to withdraw a minimum amount, or Required Minimum Distribution (RMD) from pre-tax retirement accounts. This tool can help estimate how much you need to withdraw this year.
Mortgage Refinance Analysis
Is refinancing worth it? Compare your current loan to a new one across three scenarios: keep it, refi and invest the savings, or refi and pay it off faster.
Business Retirement Plan Selector
Not sure whether a SEP-IRA, SIMPLE IRA, or Solo 401(k) makes sense for your business? Answer a few questions and get a recommendation with the reasoning behind it.
Social Security Timing
Claim at 62, 67, or 70? Model the breakeven point and cumulative benefit based on your health, other income, and spousal situation.
Tax Bracket Estimator
See which bracket you land in, how much room you have before the next threshold, and how a Roth conversion or capital gain would affect your effective rate.
Tools and calculators are for educational purposes only and do not constitute tax, legal, or investment advice. Results are hypothetical estimates based on the inputs provided. Actual outcomes will vary.
Planning Guides & Articles
Plain-language explanations of the planning topics we work through with clients. Useful whether you are just starting to think about an issue or preparing for a deeper conversation.
How to Use Lifetime Gifts to Strengthen Your Family’s Future
Annual exclusion, 529 superfunding, and direct tuition payments explained without the jargon.
Do You Need a Trust?
Wills get most of the attention, but many families benefit from a trust. Here is how to tell if you might be one of them.
Coming SoonYear-End Planning Checklist
The moves worth making before December 31: RMDs, loss harvesting, charitable bunching, and retirement contributions.
Coming SoonUnderstanding Required Minimum Distributions
When they start, how they are calculated, and the strategies for managing the tax impact before and after age 73.
Coming SoonA Business Owner’s Guide to Exit Planning
The financial questions to answer before you sell, transfer, or shut down: valuation, taxes, and what comes next.
Coming SoonThe Financial First Steps After Divorce
Accounts to update, assets to divide, and the decisions that have long-term consequences that are easy to overlook in the moment.
Coming SoonMarket Insights
Timely perspective on markets, the economy, and what it means for your financial plan. Published by Baird’s investment strategy team and curated for our clients.
Market Insights & Commentary
Regular updates on market conditions, economic trends, and portfolio strategy from Baird’s investment team. Updated throughout the year.
Monthly Webinar Series
A monthly webinar series with insights on timely wealth management topics. Sign up for future live sessions or watch recordings of previous episodes.
Don’t see what you’re looking for?
If there is a calculation or planning question you find yourself returning to, we would like to know. New tools and guides are added based on what our clients actually ask.