retirement

Run Monte Carlo simulations to quantify retirement feasibility and optimize withdrawal strategies.

2|Updated Mar 26, 2026
One-click install
npx skills add https://github.com/tmcga/alpha-stack --skill retirement
Or copy as Structured Prompt for Agent
Please help me install this Agent Skill.
Skill: retirement
Source: https://github.com/tmcga/alpha-stack/tree/main/skills/retirement
Command: npx skills add https://github.com/tmcga/alpha-stack --skill retirement

SYSTEM DOCUMENTATION & REQUIREMENTS

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.

Frequently Asked Questions about retirement

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How does Monte Carlo simulation work for retirement readiness assessments?

Monte Carlo simulation for retirement readiness quantifies the probability of meeting spending goals by running thousands of projected market, inflation, and longevity scenarios to output probabilistic results and action recommendations.

How do I optimize Social Security claiming and Roth conversions in a withdrawal sequence?

To optimize Social Security and Roth conversions, input ages, assets, and income to generate a coordinated claiming strategy and tax-efficient withdrawal sequencing across taxable, tax-deferred, and tax-free accounts.

Can I stress test a retirement portfolio against inflation and market downturns?

Yes, you can stress test a retirement portfolio against inflation, health shocks, and market downturns by configuring a profile with spending and longevity assumptions to evaluate probabilistic outcomes.

What is the best way to model tax-efficient withdrawal sequencing for households?

The best way to model tax-efficient withdrawal sequencing for households is using simulation to coordinate Roth conversion ladders in low-income years, reducing long-term taxes across taxable, tax-deferred, and tax-free accounts.

What inputs do I need to run a baseline retirement feasibility simulation?

To run a baseline retirement feasibility simulation, you must configure a client profile with inputs including ages, assets, income, spending, inflation, and longevity assumptions to output probabilistic results.

When should I not use a Monte Carlo approach for retirement planning?

A Monte Carlo approach for retirement planning may not suit situations lacking defined spending goals or longevity assumptions, as the simulation requires specific asset, income, and inflation inputs to generate probabilistic feasibility results.