Stress-test and sequence
Optimize · keep more of it
Stress-test and sequence
See which sources fund each year of spending, the recommended account withdrawal order, and how the plan performs under adverse conditions.
Annual funding sources
Spending need$80,000/yr
Guaranteed income−$0/yr
Gap from portfolio (after 0% tax)$80,000/yr
Recommended withdrawal order for minimizing lifetime taxes:
- Taxable accounts first. Realize gains at capital-gains rates while sheltered balances compound.
- Pre-tax (401k/IRA) second. Fill lower brackets each year and convert remaining bracket capacity to Roth.
- Roth last. Preserved longest for late-life spending and bequests.
Retiring at 65 with $250,000: low-income years before Social Security begins are favorable Roth-conversion windows. A full bracket optimizer is planned for a later release.
Adverse scenarios
The same plan under three adverse conditions. Success probability and median ending balance are shown for each.
| Scenario | Success | Median finish |
|---|---|---|
| Base plan | 35% | $0 |
| Bad decade (returns −2%) | 7% | $0 |
| High inflation (+2%) | 6% | $0 |
| Live to 100 | 29% | $0 |
Plan tested. Next: derive the balance thresholds that govern future adjustments.
Set up guardrails →