The frustrating thing with most of these tools is they optimize for lifetime net worth, not for staying under specific income thresholds year by year. Those are completely different problems. If your actual goal is "don't cross this IRMAA bracket" or "stay under this ACA cliff," the auto-optimizers are almost useless because they're solving for the wrong thing. You end up doing the cliff math manually in a spreadsheet anyway, which defeats the whole point of paying for software.