知识图谱 KB · FinAtlas (INTERNAL DEMO)

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FinAtlas · m631 LongProof Finance Atlas INTERNAL DEMO

退休账户 / Retirement Accounts

Roth Conversion [DEMO]

Tier:

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机制 Mechanisms

m_conversion_taxableprofessional

Roth conversion: converted pre-tax amounts are taxable in conversion year; interacts with bracket, IRMAA, state tax, future RMD. (Judgment-class — escalate.)

适配因素 Suitability factors

Tax status / bracket

这些是「适配因素 (factor)」,不是结论 — 图谱不替任何客户得出任何购买结论。

该问持牌人的问题 Trigger questions

What does this conversion do to my bracket, IRMAA, state tax, and future RMDs? (Take to CPA.) professional

该备的材料 Required materials

Most recent tax return

法规约束 Governing regulatory constraints

无登记的法规约束 (demo)。

默认升级类 Default escalation

判断型 judgment-class → 升级到持牌专业人士。判断型问题系统不自答 (INV-2)。

必备披露 Required disclosures

Judgment decisions require a licensed professional.

本图谱结构上不存在 score/rank/best_product/recommendation 节点或边 — 这是 INV-1 的结构化实现 (G-1).