Most tools hand you a single black-box score and ask you to trust it. RetireLogica shows every dollar and every tax, year by year — then an independent reviewer answers the only two questions that matter:
The same inputs always produce the same plan — and every number traces back to a line you can inspect. That is the whole point.
Retirement planning is really a handful of hard questions. Here is how RetireLogica answers each one.
The Second Opinion weighs your full plan and the evidence behind it, then gives a direct, calibrated answer — not a vague score.
Spending-flexibility and stress tests show whether your plan survives bad timing, not just average markets.
A Monte Carlo probability of success, real historical sequences, and a resilience score, together — so one bad decade doesn’t surprise you.
The Roth and Social Security optimizers search for the most tax-efficient path across brackets, IRMAA, and the Social Security torpedo.
Sequence-of-returns and life-event stress tests quantify the damage and show how much of your estate survives.
Every figure is deterministic and shown year by year, with an auditable evidence trail behind the verdict. No black box.
The foundation is a year-by-year projection that models the whole picture — withdrawals, taxes, healthcare costs, and every income source — the same way every time.
A cash-flow waterfall pulls from taxable, tax-deferred, and Roth in the right order each year — tracking brokerage cost basis as it goes.
Ordinary brackets, capital-gains stacking, NIIT, RMDs, Social Security taxation, and the widow’s penalty — computed every year, not estimated.
Keeps an eye on ACA subsidy cliffs before 65 and IRMAA surcharges after — the costs most calculators quietly ignore.
Pensions, rental income, part-time or business income, and Roth conversions all flow through the same deterministic engine.
Two levers dominate a retirement tax bill: Roth conversions and when you claim Social Security. RetireLogica searches for the most efficient path for each — and more optimizers are coming.
Compares your current plan against bracket-fill strategies, accounting for the SS torpedo, IRMAA, NIIT, and ACA MAGI caps — then scores each on lifetime tax and estate.
Tests claiming at 62, 65, 67, and 70 with spousal coordination and survivor benefits, showing breakeven ages and portfolio impact.
Optimizers don’t use shortcuts — every candidate strategy is run through the full deterministic projection, so results are apples-to-apples.
Medicare, state-tax, and charitable-giving optimizers are planned, each built on the same auditable foundation. They are not available yet.
Average-market projections are optimistic by design. RetireLogica attacks your plan from every angle — random simulations, real history, and specific failure modes — so you know its true margin.
Thousands of randomized return paths produce a probability your plan survives — the headline number, with the detail behind it.
Replay the most consequential markets in memory — 1966 stagflation, the 2000 lost decade, 2008 — to test sequence-of-returns risk with real data.
A single grade summarizing how many stress scenarios your plan passes end to end, so you can compare plans at a glance.
When a plan breaks, you see how and when — the specific year, the constraint, and the shortfall — not just a red light.
The culmination of the workflow. After the plan is built, optimized, and stress-tested, a separate reviewer weighs the full body of evidence those pillars produced — projection, optimizer results, and stress tests — and tells you plainly whether the conclusions deserve confidence.
The reviewer answers both directly — the first about whether the plan holds today, the second about whether it survives a long, uneven retirement.
Lists every source it examined — projection, optimizers, tax and ACA constraints, Monte Carlo and historical stress tests — each marked reviewed, incomplete, or unavailable.
Interprets where the plan is most likely to break and turns it into prioritized, concrete next steps — with the expected benefit and the trade-off.
States its confidence, calibrates against the evidence rather than manufacturing agreement, and factors in how much spending flexibility you actually have.
Conversions stop short of the 24% bracket, raising RMD-driven IRMAA exposure at 73+
Extend conversions two years to smooth lifetime brackets — est. +$180K estate
Everything resolves into a lifetime projection you can read, drill into, and export — the year-by-year receipts behind every answer above.
See the full arc of your plan — balances, income, and taxes from today through longevity — in one view.
Drill into any year: withdrawals by account, taxable income, tax owed, ACA MAGI, IRMAA tier, and ending balances.
Portfolio trajectory, income composition, and tax over time — the story at a glance for you or a client.
Take the full projection with you for records, review, or a client meeting.
The pillars aren’t separate tools bolted together — they’re one pipeline, each stage feeding the next.
Enter accounts, income, and goals. The deterministic engine projects every year in full.
Let the Roth and Social Security optimizers find the most tax-efficient path.
Attack the plan with Monte Carlo and real historical sequences to find its true margin.
An independent reviewer answers: can you retire, and can you stay retired?
Beyond the five pillars, RetireLogica is a full planning workspace for your own plan or an entire client roster.
Auto-generated insights plus your own timestamped notes, organized by income, goals, concerns, and outcomes.
Itemized spending plans with escalation and one-time expenses, plus rental cash flow fed straight into the projection.
Plan the pre-65 years around subsidy cliffs so a Roth conversion doesn’t cost you a year of coverage.
Publish educational articles with verified add, edit, and delete workflows protected by email codes.
Email-code MFA, recovery codes, password recovery, and purchase restoration for paid access.
Inspect every tax assumption and ACA behavior so each recommendation can be checked before you rely on it.
Every feature — all five pillars and the full workspace — at one price, no add-ons.