Get the tax decisions right — Roth conversions, withdrawal order, ACA cliffs. Small choices, compounded over 20+ years.
Four layers of analysis on top of your baseline projection — together they can add hundreds of thousands to your retirement.
Which account you pull from first — traditional, Roth, or taxable — changes your lifetime tax bill. The conventional "taxable first" rule ignores your actual brackets. We model the draw-down order that minimizes taxes across your entire retirement and leaves room for Roth conversions.
Between retirement and age 73, many people sit in the 12% or 22% bracket. Every dollar you convert avoids being taxed at 24%+ later (or forced out as an RMD). Miss the window and the opportunity is gone — RMDs start, brackets fill up, conversions get expensive.
Claiming at 62 vs. 67 vs. 70 changes your benefit by up to 77%. We model different claiming ages and show which one maximizes your ending balance — factoring in taxes, other income, and how long your portfolio needs to bridge the gap.
If your MAGI is $1 over the ACA subsidy threshold, you can lose $10K–$20K/year in premium subsidies. Roth conversions, capital gains, and Social Security all count. We balance the trade-off so you stay on the right side of the cliff — and avoid IRMAA after 65.
Your Confidence Spend™ number, ending balance at target retirement ages, and a full year-by-year after-tax projection. See what's included →
Session 1: your baseline projection and optimization strategies. Session 2: scenario comparisons and action items. Enough time to go deep, ask questions, and understand the trade-offs.
How much to convert each year and which brackets to fill, which accounts to draw from in what order, your cash reserve strategy across retirement, and when to claim Social Security — all coordinated to maximize your ending balance, with ACA and IRMAA thresholds factored in.
Retire at 58 instead of 62? Go part-time? Buy a vacation home? Pick one decision and we'll model it side by side with your optimized plan — so you can see the real cost before you commit.
A clear document with your numbers, strategies, and specific steps to take this year. Something you can share with your partner, CPA, or financial planner.
The Optimization Plan is $1,500. We start with a discovery call, build your optimized projection, and walk you through every decision across two sessions.
Just need the answer to "can I retire?" Start with the $500 Assessment.