What problem does it solve?
Retirement planning often hinges on uncertain outcomes and cognitive biases. This skill uses Monte Carlo simulations to quantify the probability of meeting spending goals, manage longevity risk, and optimize critical decisions like Social Security claiming, Roth conversions, and withdrawal sequencing.
Core Features & Use Cases
- Monte Carlo readiness assessments with probabilistic outcomes for the full retirement horizon
- Social Security optimization and coordinated claiming strategies for households
- Tax-efficient withdrawal sequencing across taxable, tax-deferred, and tax-free accounts
- Roth conversion ladders in low-income years to reduce long-term taxes
- Stress testing against inflation, health shocks, and market downturns
- Goals-based portfolio construction aligned to spending needs and legacy goals
Quick Start
Configure a client profile (ages, assets, spending, inflation, longevity) and run a baseline Monte Carlo retirement readiness assessment.