Wealth Tools
Interactive calculators and simulators for year-round financial planning
Goal Flight Paths
No goals yet
Create a goal to see your flight path and probability of success
Asset Location Heatmap
No investment accounts found
Add investments with account types to see your asset location heatmap
Retirement Withdrawal Simulator
Taxable
$200,000
Tax-Deferred
$500,000
Tax-Free (Roth)
$150,000
Optimal Withdrawal Sequence
Withdraw from taxable accounts first — lower capital gains rates and no RMD requirements
$60,000
Tax: $9,000
15% (capital gains)
Withdraw from tax-deferred next — taxed as ordinary income, subject to RMDs at 73
$500,000
Tax: $124,860
Ordinary income
Save Roth for last — tax-free withdrawals, no RMDs, ideal for legacy planning
$150,000
No tax
Tax-free
Total Lifetime Tax
$133,860
Total Withdrawn
$710,000
Shortfall detected: Your portfolio may not cover $60,000/yr for 30 years. Consider reducing withdrawals or increasing savings. Shortfall: $1,090,000
