Goals-based planning
Financial Planning
A Monte Carlo retirement projection on each household — funded from the live book.
Select a household to build their plan.
Building projection…
Financial plan · Monte Carlo retirement projection
Basentia · Prepared
Net worth
Plan confidence
Max sustainable spend
Withdrawal rate
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Benchmark lens
Monte Carlo projection
Portfolio value across simulated market paths
Median25–75%10–90%Retirement
Assumptions
Spending & income are itemized below ↓
Risk tolerance & policy
The binding of willingness and ability sets the policy target allocation.
Risk score
Willingness
Ability
Target risk / return
Policy target vs current
Bar = current weight · marker ▏= policy target. Classes outside their rebalancing band are flagged — open Benchmark to price the tax-aware transition.
Cash flow — how each year's spending is funded
Income sources stacked against the expense line; the portfolio fills the gap in retirement.
SalarySocial Security / pensionPortfolio withdrawalTotal expensesRetirement
Income & expenses (today's $, editable)
Where the money goes — annual spending budget
A sample of the household's yearly outlays, in today's dollars.
Total / yr
Goals
funded status against the plan · amounts in today's $
Funded ratio
Tax-smart withdrawals
Accounts drawn in tax order — taxable → traditional (RMDs at 73) → Roth — on the expected path.
Lifetime tax (est.)
TaxableTraditional (pre-tax)Roth (tax-free)
Play Zone
Move the levers, watch the confidence move. Nothing saves — this is the conversation sandbox.
Retirement age
Annual spending
Annual savings
40%70–90% zone100%
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What-if scenarios & stress tests
How the plan's success probability moves under advisor levers and adverse shocks. Each bar is the Monte Carlo funding probability for that variant.
Scenario comparison
Stress tests
Survivor scenario — the widow's penalty
When the first spouse passes, the household keeps the larger Social Security check and spending steps down — but the survivor files as single, so the same income is taxed in tighter brackets with half the standard deduction.
Extra lifetime tax
Plan confidence
from as a couple
Social Security
from combined
Annual spending
from as a couple
First death at age
Survivor keeps SS%
Survivor spending%
Estate-sunset planningTrust vehicle picker — SLAT vs GRAT vs do nothingQuantify a SLAT or GRAT against the 2026+ exemption schedule. Illustrative — confirm with counsel.▾
Estate-sunset planning
Trust vehicle picker — SLAT vs GRAT vs do nothing
Quantify a SLAT or GRAT against the 2026+ exemption schedule. Illustrative — confirm with counsel.
SLAT
Spousal lifetime accessGRAT
Zeroed-out⚠ Illustrative only — every output is a planning estimate. Confirm §7520 rate, trust language, and reciprocal-trust posture with the family's estate attorney before funding.
Prior gifts ledger
Upload prior-year Form 709s; the modeler reads ``exemption remaining today`` from this ledger.
Saved scenarios — advisor decision audit trail
Recommendation in the memo follows the latest "chosen" entry.Do nothing
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future estate
Federal tax — current law
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Federal tax — under sunset
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SLAT
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removed from estate
Estate tax saved — current law
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Estate tax saved — under sunset
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GRAT
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remainder to heirs at horizon
Annuity / year
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Estate tax saved at horizon
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Plan summary
A client-ready write-up of the projection.