DESK writes client-ready drafts for CFPs, RIAs, and EAs: IRMAA exposure memos, Roth conversion windows, QCD letters, OEP briefs, meeting books.

Jane Q. and the IRMAA cliff are free. Sign in to save a household. Three custom artifacts are included. The founding-fifty trial is fourteen days with a card on file, then $79 for the first year, locked twelve months.

Drafts only. Not tax, legal, or investment advice. No account numbers, SSNs, or balances on this desk. Review every page before it leaves the office. Send from your firm system.

2026 IRMAA from the CMS fact sheet dated 14 November 2025. 2027 figures are projected until the November 2026 notice.