Your Retirement Blueprint
Executive Summary
Preparing your summary…
Income Engine
Where your retirement income comes from, and when each source begins.
Your Accounts
Accounts you've chosen to show on your reports.
Account Mix Over Time
Projected balances by tax treatment — pre-tax, Roth, and taxable — through your plan horizon.
Spending & Expense Engine
Spending Smile (Go-Go / Slow-Go / No-Go)
Portfolio Outlook
Projected year-end investable balance through your plan horizon.
The Year-by-Year Projection
Annual cash flow through your plan horizon. "Base + debt" is core living costs plus debt payments; ending portfolio is the projected year-end investable balance. "Draw vs 4%" shows each year\u2019s portfolio withdrawal \u2014 your must-pay floor plus the discretionary extra your plan takes \u2014 as a percent of that year\u2019s starting balance, next to the classic 4% safe-withdrawal guideline (green at or below 4%, amber above).
Plan Milestones & Lifetime Numbers
Where Withdrawals Come From
For the first year your plan draws from the portfolio, how much comes from each account.
Longevity & Survivor Plan
Safe Spending at Every Crash Level
If the market dropped sharply in your first retirement year, how much discretionary spending could you safely add and still hit your legacy goal? This runs your live engine across every crash level — the deeper the drop, the less room there is.
Market Stress Test — Crash Scenarios
Your real plan run through market crashes on the live engine — full taxes, RMDs, and Social Security timing reflected. These are the scenarios saved from the Stress Test page.
What the Crash Test Means
A crash early in retirement is one of a plan’s biggest risks: you’re forced to sell investments while prices are down, and those shares never recover. Each scenario reveals which lever bends first — your spending (the plan trims discretionary extras to protect itself) or your legacy goal (the damage lands there instead). Holding your legacy goal through a steep, multi-year crash is real, built-in resilience. “Safe extra / yr” is the most discretionary spending you could add on top of your must-pay floor and still finish at or above your legacy goal in that scenario.
Monte Carlo Simulation
1,000 randomized market futures run against your real year-by-year withdrawal plan — a true probability of success rather than a single smooth line.
Range of Outcomes Over Time
The shaded band is the middle 80% of simulated futures (10th to 90th percentile); the line is the median; the dashed line is your legacy goal.
Legacy Engine
Why your projected ending may not land exactly on your legacy goal. Your plan protects two things at once — your legacy goal and a safety floor it never lets any year fall below. When the floor is the tighter constraint, your safe spending is set by the floor rather than the goal, so the projection finishes with a cushion above your legacy target instead of landing right on it. That headroom is intentional: the plan will not spend down into your safety floor simply to hit a target number.
Resilience & Crash-Testing
Assumptions & Methodology
Glossary
Probability of success — the share of simulated futures that finish at or above your legacy goal.
Median outcome — the middle result: half of futures end higher, half lower. A more realistic planning number than the average.
Sequence-of-returns risk — the danger of poor returns early in retirement while you’re withdrawing; the same returns do far more damage early than late.
Guardrails (Guyton-Klinger) — an industry-standard rule that trims discretionary spending when markets strain the portfolio, then restores it when they recover.
Safe extra spend — the most discretionary spending you could add on top of must-pay costs and still hit your legacy goal in a given scenario.
Must-pay floor — base living costs plus healthcare and debt payments; the spending that can’t be cut in a downturn.
RMD — Required Minimum Distribution: the IRS-mandated withdrawal from pre-tax accounts that begins at age 73.
Spending smile — the common pattern of higher spending early (go-go), tapering in the middle (slow-go), and lower later apart from healthcare (no-go).