Financial Planning Research

Advanced, research-grade simulations based on high-resolution Monte Carlo models. All tools use Real Dollars (inflation-adjusted).

Portfolio Wealth Simulator

Simulate 500 potential market trajectories to visualize how sequence of returns risk impacts your portfolio balance over time.

Foundation Content
Documentation
Safe Withdrawal Rate - Sweep SWR/Years

The chance of your money lasting across different spending rates and retirement durations.

Foundation Content
Documentation
Safe Withdrawal Rate Calculator

Simulate portfolio balance trajectories and dynamic withdrawal amounts across different spending strategies (Fixed, Proportional, or Variable).

Foundation Content
Core Parameters
Spending Strategy Limits
Fixed: 0 | Flexible: 50 | Pure Variable: 100+
Market & Costs
Standard: 6.1% (Broad Equity)
Documentation
Traditional IRA Withdrawal and Roth Conversion Calculator

Calculate how Roth conversions can impact your healthcare (ACA) costs, federal taxes, and long-term account balances.

Foundation Content
Portfolio & Spending
Percentage of liquid assets held in cash.
Timeline & Security
Difference in years (Spouse vs You).
Market & Geography
Estimated annual cost before subsidies.
Analysis Options
Optimizes multi-year tax brackets dynamically.
Ensures income enables ACA marketplace access.
Documentation