Retirement Financial Strategy

Turn your retirement profile, location, and healthcare decisions into one coordinated tax and withdrawal strategy.

⚙️ All Model Assumptions & Macro Controls

Expand to customize market returns, inflation rates, healthcare costs, tax limits, housing debt, and family assumptions.
Click to Expand Controls ▼
Adjusting any value recalculates all strategies, charts, and Monte Carlo tests in real time.
📈 Economic & Portfolio Growth Assumptions
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🏥 Healthcare, Medicare & Long-Term Care
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🏡 Housing, Education, State Tax & Pre-Retirement Spending
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💼 Supplemental Work & Roth Savings Contributions
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Retirement Blueprint · Financial Decision Lab

Choose the strategy that fits what you value

There is no single universally optimal Roth conversion plan. Each strategy below is efficient for a different objective. Compare the tax, estate, spending, and execution trade-offs before committing.

Model-based comparison
LifestyleLoaded from Blueprint
LocationLoaded from Blueprint
HealthcareNot yet connected
SpendingLoaded from profile
Recommendation derived from your earlier priorities Loading Preference Discovery...
Selected Strategy—
Conversion Window—
Average Conversion—
Target Bracket—
Projected Estate—
Lifetime Tax—

Why this strategy works

    Why not choose it

      What would change the recommendation

        Return to Retirement Blueprint
        Inspect the Detailed Model Behind Your Choice
        Current Net Worth ➔
        $0
        ↑ Baseline Assets
        Pre-tax 65%Roth 15%Brokerage 15%Cash 5%
        Chance of Success ⓘ
        98%
        Plan Confidence
        300 Market Simulations
        Your money survives through retirement (Age 85+) in 98 out of 100 simulated market scenarios.
        Projected Net Worth Milestones ⓘ
        At Retirement (Age 60)
        $0
        At Longevity (Age 85)
        $0
        Estimated Total Tax Reduction: $0
        Taxes Paid Difference: $0
        Embedded Pretax Tax Avoided: $0
        Estate Value Gain: $0
        Pretax IRA Reduced: $0
        How the tax comparison works
        Comparing taxes paid plus estimated tax embedded in remaining pretax assets.
        Terminal pretax tax assumption: 24%
        💡

        Key Insight

        Your wealthiest projected year occurs at age 85 with $0 in tax-free capital.

        Step 1 · Imported Retirement Profile Edit profile →
        Step 2 · Assets
        Step 3 · Primary Goal
        Step 4 · Strategy
        ⚙ Advanced Assumptions & Custom Controls
        ℹ Preset active: Standard preset rules are currently handling return rates, state taxes, healthcare, and contributions. Switch Step 4 to Advanced Custom to override.
        📍 Post-Retirement Location & State Tax▼
        🏥 Healthcare Subsidies & Tax Limits▼
        Preserve ACA Subsidies (U.S.)
        Avoid IRMAA Surcharges (U.S.)
        💼 Long-Term Care & Extra Medical Spending▼
        🏡 Housing & Debt▼
        💼 Part-Time Work (Optional)▼
        Enable Part-Time Work
        💰 Contributions, College & Spending▼

        Social Security Claiming Advisor (Cumulative SS Income Starting at Age 62)

        💡 Key Takeaway: Claiming early at 62 provides immediate income starting at Age 62. Claiming at 67 (FRA) reaches breakeven with Age 62 at Age 76, while delaying to Age 70 reaches breakeven at Age 79.

        Annual Outflow & Expense Breakdown (Spending, Tuition, Healthcare & Taxes)

        📊 Displays annual cash outflows year-by-year across living costs, college tuition, medical/LTC, federal tax, state tax, and fixed mortgages.

        Wealth Composition by Age

        Annual Roth Additions by Age (Contributions vs. Conversions)

        🎯 Conversion Optimization Logic: Engine fills taxable ordinary income up to your active target federal tax bracket ceiling while strictly respecting ACA subsidy thresholds and Medicare IRMAA limits.

        Sensitivity Table

        PathRoth at 85After-tax WealthLifetime Tax

        Plan Resilience (Market Simulation)

        Testing 300 market scenarios...

        Year-by-Year Roth Roadmap

        AgeModeW-2SS TaxableConversionFed TaxState TaxTotal TaxBracket

        Detailed analysis complete

        Save the summarized financial decision to your Blueprint, or open the Advanced Scenario Lab to test retirement timing, Social Security, spending, growth, inflation, college costs, and other life-driven assumptions.

        Financial strategy saved to your Retirement Blueprint.