Strengths Found
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Areas to Address
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The tools below help you build a plan to address these findings. Adjust the inputs to see how different decisions affect your outcomes.
Retirement Projection Engine
Monte Carlo simulation: 1,000 market scenarios to show your probability of success
Monte Carlo Results (1,000 simulations)
Withdrawal Rate Sensitivity
How does your withdrawal rate affect your probability of success? The ★ marks your current selection.
| Withdrawal Rate | Success Probability | Median Monthly Income | Worst-Case Income (10th %ile) |
|---|
Roth vs Traditional Comparison
Should you pay taxes now or later? See the after-tax impact.
After-Tax Value at Retirement
Traditional IRA/401(k)
Roth IRA/401(k)
Social Security Optimizer
Slide to any claiming age from 62-70 to see your projected benefit
Comparison at Key Ages
| Claiming Age | Monthly Benefit | % of FRA | Lifetime Total |
|---|---|---|---|
| 62 (Earliest) | $1,750 | 70% | $0 |
| 65 | $2,167 | 87% | $0 |
| 67 (FRA) | $2,500 | 100% | $0 |
| 70 (Maximum) | $3,100 | 124% | $0 |
Education Funding Calculator
Monte Carlo simulation: 500 scenarios to show your probability of fully funding education
What These Tools Can't Do
- Monte Carlo shows probability ranges, but real portfolios require rebalancing, tax-loss harvesting, and asset location strategy across account types.
- Roth conversion laddering — strategically converting Traditional to Roth in low-income years — can save six figures over a retirement. This requires multi-year tax modeling.
- Withdrawal sequencing (which accounts to draw from, in what order, in which tax years) is one of the highest-value planning strategies and cannot be captured in a single calculator.
Disclaimer: These projections are for educational purposes only and do not constitute financial advice. Monte Carlo simulations use historical market parameters and cannot predict actual future returns. Consult a qualified financial professional for advice tailored to your specific situation.
Your wealth is building. Now let's make sure it's protected. The right insurance and emergency reserves ensure that what you're building can't be wiped out by unexpected events.