Illustrative plan
Planning horizon
Observed balances are separate from pointwise simulated p10 / p50 / p90 ranges. The current marker is the analysis date.
Bounded scenario comparisons
Each sensitivity uses the same indexed shocks. A lower spending goal or a guardrail has a visible trade-off; neither silently improves funding of the original goal.
Your Retirement Line
Scroll the chart horizontally for readable dates and values, or open the data table below.
Dates, values, and sources
Coverage map
Seeded rules, pending Head of Family Office review. Unknown evidence stays unknown; these are planning observations, not product recommendations.
Book Coverage
Relationship membership is separate from planning need and does not change financial results. This is not a trading function or CRM connection.
| Line | Membership | Source | As of | Override note | Suppress through | Action |
|---|
Assumptions & exclusions
Your Retirement Line
Scroll the chart horizontally for readable dates and values, or open the data table below.
Dates, values, and sources
Planning coverage
Important information
Tax Lab
Compare standard withdrawals with bracket-fill, fixed-dollar, or IRMAA-aware Roth conversion strategies. Cash flows come from the selected synthetic plan.
Synthetic planning estimate — not a tax return, tax advice, forecast, or recommendation. Confirm inputs and results with a qualified tax professional. Firm review pending.
Standard versus conversion strategy
Projected legacy by year
Cumulative taxes and after-tax cash
Tax strategy detail
| Year | Age | Funding | Convert | RMD std / conv | Tax std / conv | MAGI conv | IRMAA conv | After-tax cash std / conv | Unfunded std / conv | Legacy std / conv |
|---|
Annual cash-flow evidence
| Year | Age | Opening | Growth | Cash sources | Scheduled uses | Tax | Closing | Status |
|---|
Assumptions, exclusions, and sources
Retirement Stress Test
Test the same planning engine against five recognizable return and inflation patterns. These are illustrative scenario distributions, not exact historical backtests or forecasts.
Synthetic, pre-tax, firm-review-pending. Daily-priced proxies model economic value; private holdings remain unavailable for spending.
Select an illustrative stress
Stagflation
| Window placement | Original plan funded | Policy-adjusted funded | 10th-percentile spending floor |
|---|
Social Security Claiming Lab
Compare monthly claiming choices from age 62 through 70, cumulative benefits, breakeven age, and an optional married/survivor illustration.
Synthetic Social Security planning estimate — not an SSA award estimate, filing advice, forecast, or recommendation. Confirm benefits and eligibility with SSA. Firm review pending.
Selected versus comparison claim
Claiming breakeven
Benefits by claiming age
| Claim age | Monthly benefit | Cumulative age 80 | Age 85 | Age 90 | Planning longevity |
|---|
Assumptions, exclusions, and sources
Monthly Statement
Illustrative simulated path — pre-tax. First indexed example path (index 0); not representative. This is one continuous path, not a percentile forecast.
Synthetic data and unapproved assumptions · pre-tax · firm review pending. Tax Lab is a separate deterministic after-tax estimate; its annual taxes are not allocated into this statement.
Closing liquid = opening + investment gain/loss + contributions + income − spending paid. Original schedule = spending paid + intentional reductions + unmet spending. Included rows are already in totals. Balance totals use first opening and final close; other totals sum modeled months. Rounded to cents; minor display rounding differences may occur.
Survivor Planning
Synthetic inputs · pre-tax cash-flow simulation · separate illustrative tax projection · firm review pending. No mortality forecast or SSA entitlement determination.
Spending capacity estimate
Find a recurring discretionary spending amount that meets the joint original-spending and terminal liquid-reserve target. Essential and one-time expenses remain fixed. Tax Lab is a separate preview; this is not an after-tax spending optimization.
Synthetic inputs · pre-tax · unapproved assumptions · firm review pending. A path success rate is not a real-world assurance.