Model the full retirement timeline
A year-by-year projection ledger across 8 asset classes with RMDs, Social Security taxation, and portfolio-depletion detection — the whole drawdown on one drawable line, not a single headline number.
Executive Summary
Retirement Projection Dashboard
Asset Allocation
Tax Classification
Base Plan Income Gap
No projection has been generated yet.
Historical S&P 500 total returns include dividends in the embedded data set. Many FIA strategies use price-return indexes and do not include dividends. Historical and indexed crediting scenarios are hypothetical and are not guarantees of future results.
This proposed FIA allocation is modeled as a separate hypothetical planning scenario and does not overwrite current asset inputs.
Assets Over Time
Income Need vs Retirement Cash Flow
Annual Shortfall
Taxes Over Time
Account Mix
Withdrawal Sources
Strategy cards use the same projection and tax engine as the dashboard. Missing optional strategy inputs show as Needs input.
Scenario Setup
Return Strategy Setup
These scenarios drive the comparison cards on the Dashboard (and the client PDF). Your Projection ledger always reflects your actual entered plan — changing a scenario here does not alter it.
Use historical CAGR as fixed return is controlled on each asset's Advanced Details panel and remains unchecked unless you enable it there.
Client Case
Prepared For
Advisor Profile
Prepared By
Growth rates are hypothetical assumptions and are not guaranteed. Actual returns may vary.
RMDs are estimated using the IRS Uniform Lifetime Table unless future spouse-beneficiary rules are added. Verify all RMD assumptions with the client's tax professional.
Choose a simulation count, then Run simulation. Each run re-projects this exact plan hundreds of times over randomized market sequences — centered on your plan's own return assumptions with S&P 500 historical volatility (bootstrapped from 1995–2025) — keeping every tax, RMD, and withdrawal rule intact.
Probability of success
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Median ending assets
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50th percentile at end of plan
Downside · 10th pct
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1 in 10 outcomes end below this
Upside · 90th pct
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1 in 10 outcomes end above this
Projection Table Legend
How assets roll forward:
Beginning Assets + Contributions + Growth − Fees − Withdrawals + Surplus = Ending Assets (Contributions includes any Employer Contributions column; Withdrawals is the total portfolio draw — scheduled, RMD, and any shortfall top-up combined; Surplus is unspent cash flow — e.g. forced RMDs above the spending need — reinvested into taxable savings).
The thick vertical line separates the asset columns (left) from income & taxes (right). Ending Assets also reflects any reinvested surplus or death benefit. The Contributions, Employer Contributions, Fees, Withdrawals, and Surplus columns appear automatically in the years they apply. Two things to know when you check a row by hand: Fees are charged on the beginning balance (before growth), and Growth is shown net of the half-year timing drag on that year’s withdrawals — so a 6% assumption can display slightly lower in a withdrawal year.
Green
Positive cash flow, asset growth, return, healthy funding
Red
Negative cash flow, negative growth, shortfall, depletion risk
Orange
Expenses, taxes, warning threshold, elevated withdrawal rate
Blue line: Retirement Start
Green line: Social Security Start
Orange line: RMD Start
Red line: First Shortfall Year
Dark red line: Portfolio Depletion Year
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Green up arrow: Positive growth / return
↓
Red down arrow: Negative growth / return
Withdrawal rate: <4%, 4%-6%, >6%
Funding status: On Track, Needs Review, At Risk
Reset clears only the active form and projection. Saved cases remain in local storage until deleted here.