Tools
Small tools, honest math.
Each tool answers one question. None of them ask for your account numbers.
The workbench
Nine tools, nothing hidden.
Descriptive only. Each one adds up the numbers you give it and shows you today. Nothing here projects, forecasts, or advises.
Five Worlds Primer
How far along is your plan? Five worlds your money lives in, and the plain statements that go with each. Tap what is true for you.
Assessment
02Income Floor Calculator
Will your checks cover your bills? Your bills every month, and the checks that come no matter what. Slide through the years and see.
Interactive
03Floor Coverage Planner
What could close the gap? Six ways people close a gap between their checks and their bills. Slide each one and watch the gap fill.
Interactive
04Social Security Claiming Explorer
When should you start Social Security? Start early and each check is smaller. Wait and each check is bigger, for life. Slide the age and see.
Interactive
05FERS Pension Calculator
How much will your FERS pension pay a month? Your high-3 salary, times your years of service, times 1%. At 62 with 20 years, 1.1%.
Interactive
06Sequence Explorer
If the bad years come first, how long does your money last? Twenty years of returns, the same ones twice. Slide what you take out and watch.
Interactive
07Roth Window Illustrator
How much room is left in your tax bracket? Your bracket is a floor on a ladder. Your income fills it. The room is what is left before the next floor.
Interactive
08Tax-Bracket Mapper
How much federal tax, and what does your next dollar pay? Each step your income fills pays its own rate. The steps add up to your tax.
Interactive
09Withdrawal Order Explorer
Which account should you spend first? Three jars, two orders. The order changes one thing: your federal tax. Tap an order, then drag across the years.
Interactive
How to read them
Tools are a beginning, not a plan.
General, by design
A tool cannot see your tax situation, your health, or your promises to family. A plan can.
Bring what surprised you
If a result surprises you, bring it to the session. Surprise is usually where the planning starts.
Bring a number you don't like.
We will tell you what is behind it, and whether it is actually a problem.
It costs nothing, and nothing is owed when the hour is over. You leave knowing where you stand, whether or not we ever speak again.
For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.