TAX ENGINE
41-Year Sequencing
We model exact withdrawal order and bracket fills across all 41 years in every simulation.
DYNAMIC BEHAVIOR
Spending Guardrails
The engine automatically cuts spending during crashes and raises it during booms to protect the portfolio.
PORTFOLIO MATH
Allocation Glide-Path
We recompute volatility automatically as you de-risk from equities over time.
CASHFLOW TIMELINE
Income Layering
Income has seasons. We map every one: from bridge-years, to your pension's real decay.
VALUATION INTELLIGENCE
CAPE-Dynamic Weights
When markets are expensive, we automatically shift trust toward conservative models.
COST DRAG
Fee-Aware Returns
Every basis point has a name. We compute the exact drag of your holdings.
Not a guess. A range — built from four probabilistic models, a dedicated stress battery, and your actual financial life.
[+] Show Math
Active Methodology & Weighting
├── 40% CAPE-Adjusted — 77.28% success
├── 30% Regime Bootstrap — 65.64% success
├── 15% Historical Bootstrap — 82.20% success
├── 15% Parametric Log-Normal — 65.88% success
└── Stress Battery: Not All Survived
Model Alignment Diagnostics
▶ Alignment Score: 78.7/100 — Fortified
▶ Fragility Score: 74.4/100 — Moderate Fragility
▶ Portfolio @ Retirement: $1.80M
▶ Foundation Tier: $98,000 / yr
▶ Keystone Tier: $106,000 / yr
▶ Est. Legacy P50: $0.96M
▶ Computation: 5.76s across 10,000 simulations
Optimizing your structural yield.
SOCIAL SECURITY CLAIMING ARCHITECTURE.