Liquid reserve
$0
Checking, savings, and visible cash that can fund near-term spending.
0 accounts
Retirement planning
Household retirement funding
Combines account structure with retirement and withdrawal facts to make spending, income, taxes, and reserves visible.
Total assets
$71,385
Liquid reserve
$0
Facts complete
0/7
Portfolio need
--
Income plan
Annual spending
--
Guaranteed income
--
Portfolio need
--
Reserve coverage
--
If spending and guaranteed income are both documented, the app estimates how much still needs to come from the portfolio.
Social Security
Claiming decision framework
Baseline guardrails and claimant facts on file. Clarifies what still needs to be decided.
Earliest claim
Age 62
Primary FRA
--
Tentative age
--
Delay ceiling
Age 70
Primary claimant
Birth year not documented
Monthly benefit: --
No tentative claim age documented.
Spouse / survivor
Not documented
Monthly benefit: --
Survivor and spousal rules can change the best claim order.
SSA baseline rules
Social Security retirement benefits can start as early as age 62.
Full retirement age depends on birth year and is generally between ages 66 and 67 for current retirees.
Delaying retirement benefits after full retirement age can increase the benefit until age 70.
Spousal and survivor rules can change the best claiming sequence, and survivor full retirement age is not always the same as retirement full retirement age.
If benefits may be delayed past age 65, Medicare timing still needs separate attention.
Next SS questions
Add the primary claimant birth year so the planner can estimate full retirement age.
Add the primary claimant's estimated monthly Social Security benefit.
Document whether the household is leaning toward claiming at 62, around full retirement age, or closer to 70.
Clarify whether spouse, partner, or survivor benefits need to be part of the claiming plan.
Withdrawal buckets
Where the money comes from
Taxable, traditional, Roth, and health-specific assets each create different tax and flexibility tradeoffs.
Taxable assets
$71,385
Flexible accounts such as Brokerage and other non-retirement balances.
2 accounts
Tax-deferred assets
$0
Traditional retirement balances that need tax-bracket and RMD-aware planning.
0 accounts
Tax-free assets
$0
Roth balances that may be preserved for later retirement or legacy flexibility.
1 account
Healthcare reserve
$0
HSA or health-specific balances available to reduce pressure on taxable withdrawals.
0 accounts
Documented facts
Retirement spending target and essential monthly needs
pendingNo saved response yet.
Guaranteed income sources and when they begin
pendingNo saved response yet.
Primary Social Security estimate, birth year, and tentative claiming age
pendingNo saved response yet.
Spouse or partner Social Security estimate, spousal options, and survivor considerations
pendingNo saved response yet.
Withdrawal order, Roth conversion priorities, and bracket management goals
pendingNo saved response yet.
Healthcare, Medicare, and long-term-care costs that could pressure the plan
pendingNo saved response yet.
Beneficiaries, estate documents, gifting goals, and legacy constraints
pendingNo saved response yet.
Next actions
Add the household's annual spending target and identify which expenses are essential versus flexible.
Capture Social Security, pension, annuity, rent, and distribution timing before finalizing withdrawal logic.
Add the primary claimant birth year so the planner can estimate full retirement age and frame the Social Security decision.
Add the current Social Security benefit estimate so retirement income planning is not built on guesses.
Record the tentative Social Security claim age before finalizing withdrawal sequencing.
Document the preferred withdrawal order and any Roth conversion or bracket-management goals.
Add Medicare, healthcare, and long-term-care assumptions so the plan reserves enough liquidity.
Record beneficiary, trust, gifting, and legacy constraints before deciding which accounts to spend first.
Withdrawal playbook
Add a dedicated cash reserve so short-term spending is not forced onto long-term investments.
Taxable assets can give the plan flexibility in early retirement years and help manage realized gains intentionally.
Document Social Security timing so the planner can separate early-claim, full-retirement-age, and delayed-claim scenarios.
Once spending and guaranteed income are entered, the app can estimate how much the portfolio must fund each year.