One honest number, built from your real accounts, taxes, and healthcare costs. We do the work, then walk you through it together in 45 minutes.
Anyone planning retirement who wants the messy parts — taxes, healthcare, RMDs — modeled honestly, not glossed over with a flat 25% assumption.
Built for people who want to factor in:
Best fit: $500K+ across retirement and taxable accounts.
The full trajectory of your portfolio from today through your target retirement age — every year, every account, after taxes and healthcare. The visual picture of where your money goes and what's left.
Two numbers, not one. Confidence Spend is what you can spend each year under normal market conditions. Flex Spend is what you'd flex down to if the market crashes 50% at retirement. Both account for taxes and healthcare.
How much you'd have left if you retire at 60 vs. 63 — or when you'd run out if spending is too high. The answer to "can I afford to stop?"
We go through your projection together. Not a slide deck — the actual numbers, what drives them, and what's worth paying attention to. You ask questions; we answer them with your data.
Your key numbers, the assumptions behind them, and what's modeled. Share it with your spouse, your CPA, or your financial planner.
We run a year-by-year simulation through your target retirement age — modeling every dollar of income, every tax, and every withdrawal in sequence.
Account balances by type (Traditional, Roth, taxable, HSA, cash), wages, Social Security, pensions, annual expenses, target retirement age, and your state. No averages, no proxies.
Each account grows at a real return assumption (default 7% nominal, 3% inflation). Taxable accounts also generate dividends and capital gains, with cost basis tracked.
We add up wages, Social Security, pensions, and dividends. Whatever's left to cover your spending comes from withdrawals — from the right accounts, in the right order, with RMDs forced from age 73.
Federal and state progressive brackets applied each year. Social Security taxability, qualified dividends, long-term capital gains, RMD income — all calculated separately, all year-specific.
Before 65: ACA premiums and subsidies based on your projected MAGI. After 65: Medicare base premiums plus IRMAA surcharges if your income crosses a tier. Both modeled by year.
Each account ends the year with: (starting balance + growth + contributions − withdrawals − taxes). Then we do it all again next year. For 30 or 40 years.
Most retirement calculators ask "do you have enough?" We answer the more useful question: "how much can you spend per year?"
We give you two versions of the number, so you know your range:
Four steps. About 75 minutes of your time, spread over a week.
We make sure this is the right fit before you commit. You describe your situation; we tell you whether the Assessment answers your question (and what it won't). If it's not a fit, we'll say so.
You fill out a simple intake form — accounts, income, expenses, target retirement age. ~30 minutes. You can pull most of it from statements; we'll tell you exactly what we need.
Scheduled within a week of receiving your numbers. We've already built your projection — the call is spent walking through it together. You ask questions about your numbers, not a generic example.
Emailed the same day as the walkthrough. Your Confidence Spend, Flex Spend, ending balance, and the assumptions we used. Yours to keep, share, or refer back to.
Start with a free 20-minute call. We'll confirm this is the right fit for your situation before you commit to anything.
Already know you can retire and want to optimize? See the Optimization Plan.