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FilingMFJ / CA
RetireAges 64/64
Portfolio$2,330,000
Income$192,000/yr
Before Optimization
SS ages 62/62
·
Brk First
·
Roth Conv $175,000/yr
After Optimization
SS ages 66/62
·
Brk First
·
No Roth Conversions
Success Rate
26.3%
→
37.6%
+11.3%
Median Legacy
$2,985,227
→
$2,985,227
+$0
Lifetime Tax Savings
$98,338
median total reduction
Portfolio Projection
Median with 25th-75th and 10th-90th percentile bands across all simulations
Before Optimization
After Optimization
Tax Breakdown
Annual federal, state, IRMAA, and capital gains taxes
Before Optimization
After Optimization
Account Breakdown
How each account type evolves over time
Before Optimization
After Optimization
Spending Breakdown
Annual spending components: base living, housing, healthcare, discretionary
Before Optimization
After Optimization
Cash Flow Analysis
Income sources vs spending and taxes
Before Optimization
After Optimization
Net Worth
Total assets minus debts over time
Before Optimization
After Optimization
Effective Tax Rates
Federal and total effective tax rates
Before Optimization
After Optimization
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