personal-finance-coach

Safe withdrawal rate (SWR) calculation determines how much you can sustainably withdraw annually from your portfolio. This Skill applies CAPE-adjusted SWR methodology to model sustainable withdrawals across market cycles, accounting for valuation levels to adjust your initial withdrawal percentage based on current market conditions.

Tax optimization involves strategic asset location and tax-loss harvesting to reduce lifetime tax burden. This Skill applies tax-loss harvesting heuristics and Roth conversion sequencing to guide which assets go in taxable versus tax-advantaged accounts, maximizing after-tax returns.

FIRE planning combines savings goals with retirement projections to validate your timeline. This Skill runs Monte Carlo simulations over 30-year horizons to stress-test your plan across thousands of market scenarios, showing success probability and withdrawal sustainability.

Mean-variance optimization balances risk and return by finding the best asset mix for your goals. This Skill applies portfolio theory to construct efficient portfolios, calculate risk-adjusted returns, and model withdrawal scenarios specific to your allocation.

Emergency fund sizing ensures you have adequate liquidity without excess drag on returns. This Skill provides guidance on emergency fund calculations tailored to your income stability and withdrawal strategy, integrating it into your overall retirement model.

CAPE (cyclically adjusted price-to-earnings) valuation indicates market risk level and informs withdrawal adjustments. This Skill scales your SWR based on current CAPE levels, reducing withdrawals in expensive markets and increasing them when valuations are depressed.