Your Retirement Milestones
Early
care
FRA
Max
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Begins
Early
care
FRA
Max
Start
Begins
My Plan
Your personalized retirement plan — covering how to fund your lifestyle, minimize taxes, build a legacy, and give to causes you care about. Enter your details in the optimizer below to see projections tailored to your situation.
Ensure you have sufficient resources to cover your family's living expenses throughout the entire plan period — not just the early, healthy years, but all the way to the end of the projection.
- Taxable savings are your primary drawdown account. They grow at your portfolio rate and are supplemented by after-tax RMD income each year.
- COLA adjustment — living expenses increase with inflation each year, so a budget that works today may fall short in 15 years without planning.
- HSA — in retirement, your HSA covers Medicare Part B premiums, Part D costs, and deductibles tax-free. Any remaining balance is drawn for shortfalls before touching your Roth. Because HSA funds can't pass tax-free to non-spousal heirs, draw it down before your Roth IRA.
- Roth IRA backup — once taxable accounts and the HSA are depleted, your Roth IRA provides tax-free coverage with no forced withdrawals.
- Social Security provides inflation-adjusted income for life — delaying to age 70 maximizes your monthly benefit and reduces longevity risk.
Enter your annual living expenses, account balances, and Social Security estimates in the optimizer below to project your coverage over the full plan period.
Retirement Optimizer
Starting Taxable
$1.2M
Starting IRA / 401k / 403b
$2.3M
Starting Roth
$150k
Starting HSA
$18k
Ending Taxable
$95k
Ending IRA / 401k / 403b
$0
Ending Roth
$9.2M
Ending HSA
$0
Funding priority: (1) Taxable accounts first — COLA-adjusted expenses are drawn here, with Social Security payments and after-tax RMDs from the IRA depositing into this account each year. (2) IRA / 401k is depleted by required minimum distributions (age 73+) and Roth conversions; excess RMD cash supplements taxable. (3) HSA covers Medicare premiums and deductibles tax-free in retirement; any remaining balance drawn before tapping Roth. (4) Roth IRA last — preserving tax-free growth for heirs. Charitable giving (QCDs), real estate proceeds, or other asset sales can offset withdrawals at any stage.
Bars show after-tax income (left axis). Red line = total expenses. Red shading = annual savings drawdown. Dashed gray line = portfolio balance excluding real estate (right axis) — when it hits zero, the plan fails.
Stacked bars show portfolio balances by account type. Real estate equity = appraised value minus mortgage. Gray line = total net worth across all assets. When a layer disappears, that source is exhausted.