Tax-optimized planning for concentrated stock positions. Monte Carlo analysis with fat tails.
Start with the minimum facts needed for a first answer. The planner will tell you whether the plan looks workable now, what could break it, and what to test next before you trust the answer.
Each button jumps you to the relevant section so you do not have to guess where the answer or the detailed builder opened.
The fast answer uses your current builder defaults for growth, inflation, health insurance, Social Security, housing, and advanced tax policy until you refine them.
Single-change moves already sampled from this baseline
Comparing SEPP 72(t), Penalty Bridge, and Locked-to-59.5 strategies
| Strategy | Survival | Typical Fail Age | Bad-Case Spend Floor | Total Lifetime Tax | Flexibility |
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Impact of reducing annual spending by $25k
Each additional working year adds savings and delays draw-down
Read left to right: what the year had to fund, where cash came from, whether anything was still missing, and what you had left by year-end. Click any row for the full story.
| Year | Age | Spend | Tax | Stock Sales | Roth Conv | Pretax Draw | Roth Draw | Brokerage Draw | Shortfall | Stock Left | Pretax | Roth | Brokerage | Cash / SGOV | Liquid Net Worth |
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