Concentrated Stock Retirement Planner

Profile

Birth Year Required (1940-2005)

Retirement Target Age Age you plan to retire

Filing Status

Single

Married Filing Jointly Soon

State of Residence

Determines state income tax brackets

Concentrated Stock Position

Stock Name Cosmetic label

Shares Held Must be > 0

Current Price ($/share)

Average Cost Basis ($/share)

Expected Growth Rate

Custom (%/yr)

Stock Type

Volatility (%)

Lock-up Status

Freely Tradeable

Locked Until Year

Other Accounts

401(k) / Traditional IRA

Balance ($)

Growth Rate (%/yr)

Roth IRA

Balance ($)

Basis ($)

First Contribution Year For Roth 5-year earnings clock

Growth Rate (%/yr)

HSA

Balance ($)

Brokerage (Taxable)

Balance ($)

Growth Rate (%/yr)

SGOV / Cash Reserve

Balance ($)

Yield (%/yr)

Income & Spending

Pre-Retirement Income

Annual Earned Income ($) Applies only before retirement age

Retirement Spending

Target Annual Spending ($) After-tax, today's dollars

Minimum Acceptable ($) Spending floor

Social Security

Expected Annual Benefit ($)

Start Age 62 early / 67 FRA / 70 max

Health Insurance

ACA Annual Cost ($) Pre-Medicare, unsubsidized

Inflation Rate (%/yr)

Housing

Home Value

Current Home Value ($)

Appreciation Rate (%/yr)

Mortgage

Remaining Balance ($)

Interest Rate (%)

Monthly Payment ($)

Periods Remaining

Property Tax

Property Tax Rate (%)

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Run Monte Carlo to see survival probability

Key Metrics

Strategy Comparison

Comparing SEPP 72(t), Penalty Bridge, and Locked-to-59.5 strategies

Strategy	Survival	Fail Age	Min Spend P25	Lifetime Tax	Flexibility

Spending Sensitivity

Impact of reducing annual spending by $25k

Retire Later Scenarios

Each additional working year adds savings and delays draw-down

Annual Projection

Year	Age	Real Spend	Tax	Stock Sold	Conversion	SEPP/Trad	Roth Draw	Brok Draw	Unfunded	Stock End	401k	Roth	Brokerage	SGOV	Liquid NW

Advanced Solver Parameters

Monte Carlo Settings

MC Trials

Portfolio Vol (%)

Tail DF (Student-t)

Regime Switching (correlated crashes)

Fat Tails (Student-t distribution)

Stock Sale Strategy

Tax Mode

Custom Gain Budget ($)

Target Allocation (%)

Retain Floor (shares)

Brokerage Target (%)

Early Access Strategy

Early 401k Mode

Draw Start Age

SEPP/Trad Trim Cap ($)

Conversion & Tax Caps

Ordinary Cap (w/ mort) ($)

Ordinary Cap (post-mort) ($)

Roth Conv Cap (w/ mort) ($)

Roth Conv Cap (post-mort) ($)

Phase & SGOV Tuning

Phase 1 Pct

Phase 2 Pct

Phase 1 Cap ($)

Phase 2 Cap ($)

Phase 3 Cap ($)

SGOV Floor (years)

◆ Concentrated Stock Retirement Planner

Filing Status

State of Residence

Expected Growth Rate

Stock Type

Lock-up Status

401(k) / Traditional IRA

Roth IRA

HSA

Brokerage (Taxable)

SGOV / Cash Reserve

Pre-Retirement Income

Retirement Spending

Social Security

Health Insurance

Home Value

Mortgage

Property Tax

Monte Carlo Settings

Stock Sale Strategy

Early Access Strategy

Conversion & Tax Caps

Phase & SGOV Tuning