Phase 1
Build & Grow
For people still accumulating wealth and building their retirement portfolio.
Portfolio Manager
Build your portfolio, track accounts, and monitor allocation across tax buckets.
401k Compounding Calculator
See the power of compounding, model contribution scenarios, and project your balance at retirement.
Phase 2
Plan & Project
For people 5–10 years out from retirement, stress-testing their readiness.
Retirement Calculator
Project income, withdrawals, RMDs, and Social Security over 30+ years.
Retirement Confidence Calculator
Run Monte Carlo simulations to understand your probability of success across thousands of market scenarios.
Tax Calculator
Run "What If" scenarios to see how taxes work out. Helps tax planning ahead of time.
Phase 3
Optimize & Transition
For people at or near retirement, making key strategic decisions.
Roth Conversion Optimizer
Model annual conversion amounts to fill a target tax bracket, minimize lifetime taxes, and reduce future RMDs.
Social Security Claiming Strategy
Compare claiming ages for you and your spouse, model break-even points, and optimize lifetime benefits.
Phase 4
Manage in Retirement
For people already retired, managing cash flow, healthcare costs, and account drawdowns.
Healthcare Cost & Premium Predictor
Estimate ACA premiums pre-Medicare and Medicare IRMAA surcharges based on income, capital gains, and Roth conversions.
RMD & Account Drawdown Planner
Smooth lifetime withdrawal liabilities, neutralize mandatory RMD spikes, and plan account depletion order.