Start with household setup, then move through strategy, decisions, simulation, memo, and data in that order.
Strategy is the home screen. Use Decisions for tradeoffs, Simulator for stress tests, Memo for the advisor brief, and Data for source-of-truth maintenance.
This report packages the current recommendation, supporting evidence, risks, portfolio posture, and review cadence into one export-ready strategy document.
Increase near-term liquidity so bridge years do not depend too heavily on portfolio sales. This should move the portfolio closer to the balanced retirement-income strategy. The current high-inflation regime makes inflation resilience and bridge stability more important.
Lower-cost Florida path leads because lower location cost supports the plan by easing portfolio draw pressure. It also keeps dominant risk to 'location and macro exposure still matter because inflation and currency pressure can narrow the margin.'.
This path currently offers the strongest balance of spending support, resilience, and recommendation quality.
This alternative improves one part of the plan, but gives up strength elsewhere.
This alternative improves one part of the plan, but gives up strength elsewhere.
This alternative improves one part of the plan, but gives up strength elsewhere.
The report keeps the retirement income timeline central because it shows where spending support comes from before, during, and after Social Security and RMD phases.
3 years funded mainly by portfolio withdrawals.
Benefits become a core income source at age 68.
Required minimum distributions begin at age 73 and raise the income floor later in retirement.
Monte Carlo gives the confidence layer behind the recommendation, with the downside tail showing what matters most if returns and inflation are less favorable.
This distribution shows how safe the plan looks across a wide range of return and inflation paths, with special attention on the downside tail that matters most for retirement decisions.
This section summarizes the current portfolio posture, where concentration sits, and what strategic adjustment would improve resilience.
Trim by 10 pts to align with the retirement strategy.
Increase by 1 pts to align with the retirement strategy.
Increase by 9 pts to align with the retirement strategy.
Increase near-term liquidity so bridge years do not depend too heavily on portfolio sales. This should move the portfolio closer to the balanced retirement-income strategy. The current high-inflation regime makes inflation resilience and bridge stability more important.
Lower-cost Florida path leads because lower location cost supports the plan by easing portfolio draw pressure. It also keeps dominant risk to 'location and macro exposure still matter because inflation and currency pressure can narrow the margin.'.
Retirement income is funded first from cash and taxable assets, then increasingly by Social Security and retirement-account withdrawals after age 68.
The plan stays reasonably resilient even after the main stress adjustments.
Because retirement begins in 10 years, bridge pressure is 38 points, and stress durability gap is 8 points, the target strategy leans toward stable withdrawal support before chasing upside. Current holdings also show high concentration and mixed account placement.
A Roth conversion window likely runs from age 65 to 67, when taxable income is more manageable than it will be in later RMD years.
The current regime weakens the recommendation by cutting modeled success by about 6 points and stress durability by about 6 points versus the base assumption set.
The plan is moving incrementally, but the overall recommendation direction remains broadly stable.
Could reduce future taxable income spikes and improve late-retirement flexibility.
A live data refresh changed the household picture enough to warrant review.