Here's what it said. So the tool designed to optimize tax outcomes doesn't understand tax brackets? Seriously...!!!!

The Logic is "Greedy," Not Strategic

The algorithm has one single goal: minimize the total sum of tax dollars paid between now and age 100.

• The Growth Problem: It sees your ~$4M in tax-deferred accounts growing at ~8% (your moderate return assumption). By the time you hit RMD age, that balance is projected to be massive.
• The "Rip the Band-Aid" Bias: It calculates that paying 37% on $4M today is "cheaper" in total nominal dollars than paying 24% on a future $15M+ balance.
• Bracket Blindness: It does not "know" that jumping from the 24% bracket to the 37% bracket is a bad move. It only knows that the future "tax bomb" is mathematically larger than the current one.

I am trying to find my Roth conversion sweet spot. Instead of up to 24%, on suggestion of the often wrong AI tool, I changed that to tax optimized. With retirement age of 56 the "optimized" strategy converts $4 million in like 5 years, by age 60. I asked the AI to explain and it told me the system is trying to avoid a massive RMD. That is both a bonkers result and explanation.