Not a drawer of isolated calculators — one connected workflow. Each stage feeds the next, from your inputs to a Second Opinion and an exportable projection.
At each step: the question you’re asking, the data evaluated, the output produced, and where the transparency is.
“What do I actually have to work with?”
Accounts, income sources, spending goals, ages, and the assumptions you want to use.
A structured picture of your situation ready to project year by year.
Every input is yours to see and edit — nothing is assumed silently.
“What does my plan look like, year by year?”
Your inputs run through the deterministic engine: withdrawals, taxes, ACA, and IRMAA.
A reproducible year-by-year plan and modeled spending path from today through longevity.
The same inputs always produce the same plan, and every number traces to a calculation.
“Which strategy is most efficient for me?”
Explicit Roth conversion and Social Security claiming strategies on the same assumptions.
A side-by-side comparison of strategies scored on lifetime tax and estate.
Each candidate is run through the full projection, so comparisons are apples-to-apples.
“Does it hold up when timing goes against me?”
Monte Carlo simulations plus known difficult historical return sequences.
A view of resilience and failure timing across simulated and historical conditions.
You can see which scenarios pass, which strain the plan, and when they break.
“Can I retire—and stay retired?”
The projection, optimizer outputs, stress tests, assumptions, and evidence gaps together.
A calibrated conclusion with reservations, likely failure modes, and what to change first.
It lists the evidence reviewed and where the conclusion is well or weakly supported.
“Can I check the work and take it with me?”
The complete year-by-year projection behind every answer above.
Drill-down tables and charts, plus an export for records or a meeting.
The full audit trail is open — every year, account, and tax line is inspectable.
The output of each stage is the input to the next — one flow, end to end.
Start with your inputs and follow the workflow all the way to a Second Opinion.