news.ycombinator.com• 4d ago• 1 min read
Show HN: Nauma new features (financial planning)Hi HN,We recently launched a few new features at Nauma, and I thought this community might be interested in learning about them.HELOC/SBLOC support. You can now model opening a line of credit and spreading withdrawals over time to keep your income below a desired threshold for tax and healthcare-cost purposes. This can be useful when you have a large expense, such as a home renovation, but want to keep your income below the standard deduction + 0% LTCG tax bracket, or when you want to diversify away from a concentrated stock position gradually. Demo: https://www.youtube.com/watch?v=b9rPxvBZFccQCD support. You can now model charitable giving directly from a Traditional IRA. The model estimates actual QCD amounts each year based on the account owner's age, IRA balance, and IRS limits adjusted for inflation. Demo: https://www.youtube.com/watch?v=Qpldk1dArBIACA and IRMAA constraints in the Roth Conversion Optimizer. Roth conversions can help reduce future tax spikes caused by RMDs, but the