Explore Our Tools
Each tool provides educational projections based on your assumptions. These are designed to frame strategic conversations, not provide personalized advice.
Roth Conversion Insight Tool
Explore how converting pre-tax retirement savings to a Roth IRA might impact your long-term retirement picture. Compare traditional and conversion strategies side-by-side with personalized projections.
- Compare traditional IRA vs. Roth conversion outcomes
- See immediate tax impact and long-term benefits
- Adjust assumptions for your unique situation
- Understand time horizon and tax rate implications
- Get strategic insights tailored to your inputs
Social Security Optimizer
Analyze different Social Security claiming strategies to understand how timing decisions could impact your lifetime benefits and retirement income plan.
- Compare claiming ages (62, FRA, 70)
- Lifetime benefit projections
- Break-even analysis
- Present value calculations
RMD Calculator
Calculate your Required Minimum Distributions and understand how they might affect your retirement income, taxes, and estate planning strategies.
- Project future RMD amounts
- Multi-account aggregation
- Tax impact estimates
- QCD strategy insights
Tax Diversification Scorecard
Analyze your retirement assets across taxable, tax-deferred, and tax-free buckets. Get a diversification score and strategic recommendations to optimize your tax flexibility.
- 0-100 diversification score with rating
- Visual pie chart of tax bucket distribution
- Strategic rebalancing recommendations
- Roth conversion opportunity analysis
Retirement Income Planner
Model different retirement withdrawal strategies and see how various approaches to spending down your portfolio might affect longevity and legacy goals.
- Multiple withdrawal strategies
- Account sequencing analysis
- Inflation adjustments
- Portfolio longevity projections
Retirement Income Gap Calculator
Identify the gap between your retirement expenses and guaranteed income sources. Understand how much portfolio support you'll need and strategies to close the gap.
- Comprehensive expense analysis
- Income coverage percentage
- Portfolio requirement estimates
- Strategic gap-closing recommendations
Longevity Risk Calculator
Understand how long your portfolio might last based on withdrawal rates and life expectancy. See if your savings will support you through retirement.
- Portfolio duration projections
- Three scenarios: Conservative, Base, Optimistic
- Withdrawal rate sustainability analysis
- Life expectancy comparison
Sequence of Returns Risk Simulator
See how the timing of market returns dramatically affects retirement portfolio longevity. Understand why the order of returns matters as much as the average.
- Three return sequence scenarios
- Side-by-side outcome comparison
- Early retirement years impact analysis
- Risk mitigation strategies
How Our Tools Work
Built with transparency, designed for education, focused on empowering your decisions
Educational, Not Advisory
Our tools provide educational projections based on assumptions you control. They're designed to help you understand concepts and trade-offs, not to provide personalized financial, tax, or investment advice.
No Registration Required
Use any of our tools without creating an account, providing personal information, or sharing financial details. Your privacy matters, and we don't store or track your calculations.
Transparent Calculations
Every tool uses clear, documented calculation methods. We show you how we arrive at projections so you can understand the logic and limitations behind the numbers.
Starting Point for Conversations
These tools help frame strategic questions and explore "what if" scenarios. Real financial decisions benefit from comprehensive analysis with qualified professionals who know your complete situation.
Ready for a Personalized Strategy?
These tools provide a foundation for understanding key financial concepts. When you're ready to build a comprehensive plan tailored to your unique goals, circumstances, and concerns, let's have a conversation.
Schedule a ConsultationImportant Disclaimer: All tools and calculators on this page are provided for educational and illustrative purposes only. They do not constitute financial advice, tax advice, legal advice, or investment recommendations. Calculations are based on simplified assumptions and do not account for the full complexity of tax law, investment markets, or individual circumstances. Actual results will vary. Always consult with qualified professionals including financial advisors, CPAs, and tax attorneys before making financial decisions. Past performance does not guarantee future results. Investment returns are not guaranteed and involve risk of loss.