Skip to main content
Roth Math Pro

Affiliate Disclosure

FTC disclosure:Bedrocka Tools participates in affiliate and referral programs. When you click a link or sign up through a partner we mention, we may earn a commission at no additional cost to you. We only partner with products we've independently evaluated and would recommend to a friend. Affiliate revenue does not influence calculator logic or editorial content.

How we pick partners

Every partner we list has been through an internal evaluation: founder-team review of the actual product (most partners we or someone in the Bedrocka portfolio has used in a live deal), a read of their public terms, and a sanity check of their pricing against competitors. We decline partnerships from products we wouldn't use ourselves or wouldn't recommend to a peer — commission rate is never the tiebreaker.

Our affiliate cards are labeled “Editorial pick · Affiliate partner” and always carry the short-form disclosure inline with the card so you never have to infer that a recommendation is monetized.

Editorial independence

Calculator logic — the formulas, the IRMAA thresholds, the pro-rata calculations, the bracket boundaries — is the same regardless of whether a partner would prefer a different output. If a partner ever asks us to tune a calculator to favor their product, we end the partnership, publicly. Editorial recommendations in our FAQs and articles are based on our own judgment and the underlying primary sources, not on what generates the highest commission.

Current partner list

The following partners currently pay us a commission or referral fee. Each partner's payout structure and FTC-compliant disclosure is listed on the page where the affiliate link appears.

  • Fundera by NerdWallet — Apply once, get matched to SBA, term, and line-of-credit offers from 30+ lenders. (Category: business-loan; payout: $400–$2,000 CPA)
  • Lendio — Fast small-business loan marketplace — decisions in minutes, funding in days. (Category: business-loan; payout: $100–$500 CPL)
  • Bluevine — High-yield business checking with no monthly fees and unlimited transactions. (Category: business-checking; payout: $100–$250 CPA)
  • Mercury — Banking built for tech-forward startups and solo founders — API, cards, Treasury. (Category: business-checking; payout: $250+ CPA)
  • Relay — Cash-flow-focused business banking with Profit First-style sub-accounts. (Category: business-checking; payout: $200+ CPA)
  • Ramp — Corporate cards + spend management that automate expense savings for scaling teams. (Category: business-cards; payout: $500+ CPA)
  • QuickBooks Online — The industry-standard small-business accounting platform — what most bookkeepers use. (Category: accounting; payout: 10–30% recurring)
  • Found — Banking + bookkeeping + taxes in one app — purpose-built for self-employed operators. (Category: freelancer-banking; payout: $150+ CPA)
  • Novo — Simple, free business checking with modern integrations for small operators. (Category: business-checking; payout: $100+ CPA)
  • Wave — Free accounting and invoicing for solopreneurs who aren't ready for QuickBooks yet. (Category: accounting; payout: free product, referral only)
  • Bonsai — All-in-one ops suite for freelancers — contracts, proposals, invoices, and time tracking. (Category: freelancer-ops; payout: 20% recurring)
  • Northwest Registered Agent — Privacy-forward LLC formation + registered agent service — keeps your home address off public filings. (Category: legal-formation; payout: $30+ per signup)
  • EnergySage — Get 3–5 competing solar quotes in minutes — transparent pricing, no sales pressure. (Category: solar-marketplace; payout: $40–$80 CPL)
  • Palmetto — Managed solar installation with a 25-year performance guarantee and real-time monitoring. (Category: solar-installation; payout: $50–$100 CPL)
  • Sunrun — America's largest residential solar company — lease, PPA, and purchase options. (Category: solar-installation; payout: $50–$120 CPL)
  • GoodLeap — Solar loans from 2.99% APR — purpose-built financing that keeps the tax credit with the homeowner. (Category: solar-financing; payout: $30–$80 CPA)
  • Lemonade Pet Insurance — AI-powered pet insurance — instant quotes, same-day claims, starting under $25/mo. (Category: pet-insurance; payout: $20–$40 CPL)
  • Embrace Pet Insurance — Comprehensive pet insurance with diminishing deductible — the deductible drops $50/year you don't claim. (Category: pet-insurance; payout: $25–$50 CPL)
  • Healthy Paws Pet Insurance — Simple, no-frills pet insurance — one plan, unlimited lifetime benefits, fastest claims. (Category: pet-insurance; payout: $25–$50 CPL)
  • Chewy — America's #1 pet supplies retailer — Autoship saves 35% and ships free on $49+. (Category: pet-supplies; payout: 4–8% commission)
  • Earnest — Student loan refinancing from 4.96% APR — flexible payments, no hidden fees. (Category: student-loan-refinance; payout: $100–$200 CPA)
  • Credible (Student Loans) — Compare student loan refinance rates from 10+ lenders in 3 minutes — no credit impact. (Category: student-loan; payout: $50–$100 CPL)
  • College Ave Student Loans — Private student loans with flexible repayment — in-school, interest-only, or deferred. (Category: student-loan; payout: $80–$150 CPA)
  • Sallie Mae — The largest private student loan lender — covers up to 100% of school-certified costs. (Category: student-loan; payout: $100–$200 CPA)

Partner categories on this site

The affiliate and referral relationships relevant to Roth Math Pro fall into the following categories. Active partners are listed in the partner table above; this section documents the category logic.

  • Retirement planning software — Boldin (formerly NewRetirement) via PartnerStack is our primary affiliate in this category. Boldin is a retirement planning tool that models Social Security, RMDs, Roth conversions, and tax optimization across a multi-decade plan. Recommendations are based on depth of Roth conversion modeling, IRMAA scenario support, and ease of use for self-directed planners — not commission rate.
  • Tax filing software — TurboTax via CJ Affiliate Network and H&R Block via CJ Affiliate Network are evaluated for CTAs on tax-filing related content. We do not recommend a tax preparer as a substitute for a CPA or Enrolled Agent for complex Roth conversion situations. Recommendations note clearly when the conversion scenario warrants professional preparation over self-filing software.
  • Display advertising— Mediavine Journey serves display ads on this site in the retirement-finance niche. Display ads are labeled “Advertisement” on every page. Mediavine does not have access to editorial content, calculator logic, or methodology. Ad content is served programmatically.
  • Brokerage and custodian references — major IRA custodians (Fidelity, Vanguard, Schwab) do not operate traditional publisher affiliate programs. Where we reference them, it is as editorial recommendations with no commission relationship. We will disclose clearly if this ever changes.

Revenue transparency

The two primary revenue streams for this site are display advertising (Mediavine Journey, retirement-finance niche RPM range: $15–22) and the affiliate partnerships listed above. Together they fund the development of new calculators, the quarterly source reviews, and the ongoing maintenance of the site. We do not accept sponsored posts, sponsored calculator placements, or paid-for editorial content. If that ever changes, we will add a visible disclosure on the specific page and update this policy.

Questions

Questions about a specific partnership or our editorial process: info@bedrockatools.com.