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.
Start with one direct answer. Open the full builder first only when housing, taxes, benefits, or withdrawal rules need to be audited before you trust the result.
The fast answer uses your current builder defaults for growth, inflation, health insurance, Social Security, housing, and advanced tax policy until you refine them.
Use the memo for the headline answer, then use the confidence layers to separate what the engine modeled from what still depends on judgment, verification, or specialist review.
These are sampled directional estimates from this baseline, not precise promises. Strong moves matter; one-point edges do not.
Sampled directional comparison of SEPP 72(t), Penalty Bridge, and Locked-to-59.5 access paths
These comparison cards use lighter scenario batches than the full Monte Carlo run, so use them to choose a direction and then confirm the winner with the full stress test.
| 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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Same math, different handoff. Use this tab when you need to explain the plan to yourself, your household, or an outside advisor.