WealthPulse · Wealth Roth

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://wealthpulse.theaslangroupllc.com/api/wealth/roth", {
  method: "GET",
});
const data = await res.json();

curl -X GET \
  "https://wealthpulse.theaslangroupllc.com/api/wealth/roth?age=35&filing_status=single" \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "amazon_link": "https://www.amazon.com/s?k=Roth+IRA+conversion+strategy&tag=pulsenetwork7-20",
  "amazon_search": "Roth IRA conversion strategy",
  "backdoor_roth": {
    "eligible": false,
    "how_it_works": "Not needed — direct Roth IRA contributions are still allowed at this income",
    "pro_rata_warning": "Applies only if you later contribute non-deductible and hold existing Traditional IRA balances"
  },
  "contribution_limits_2026": {
    "401k_employee": "$23,500 ($31,000 if 50+)",
    "employer_match_note": "Always capture the full employer match first regardless of Roth vs Traditional",
    "ira": "$7,000 ($8,000 if 50+)",
    "total_401k_with_employer": "$70,000 combined limit for mega backdoor"
  },
  "disclaimer": "For informational purposes only. Not tax or financial advice. Consult a tax professional before executing backdoor Roth conversions if you have existing Traditional IRA balances.",
  "income_summary": {
    "estimated_marginal_rate": "22% federal",
    "filing_status": "single",
    "phase_out_note": "2026 Roth IRA phase-out starts at $150,000 (single)",
    "provided_income": "$95,000",
    "roth_direct_eligibility": "eligible"
  },
  "ira_platforms": [
    {
      "best_for": "Best overall Roth IRA — lowest costs, best fund selection",
      "description": "Most popular Roth IRA platform — zero expense ratio index funds, no minimums",
      "platform": "Fidelity Roth IRA",
      "url": "https://www.fidelity.com/retirement-ira/roth-ira"
    }
  ],
  "recommendation": "roth",
  "recommendation_reasoning": "Current 22% bracket is likely below your retirement-year rate, so paying tax now favors Roth",
  "rmd_consideration": "Roth IRAs have no RMDs during your lifetime, unlike Traditional IRAs (RMDs start at 73)",
  "tax_math": {
    "contribute_roth_scenario": "No deduction now, fully tax-free in retirement",
    "contribute_traditional_scenario": "Deduct now at 22%, taxed on withdrawal in retirement",
    "which_wins": "Roth wins if your retirement tax rate is equal to or higher than today's"
  }
}