Nest Egg Navigator

Retirement strategy report for Jordan and Taylor

Generated 6/25/2026

Chosen strategyBrokerage first

Recommended strategyBrokerage first

Plan years2026-2077

Ending net worth$22,223,100

Lifetime taxes$1,657,982

Total RMDs$5,745,064

ACA subsidies$530,274

IRMAA$129,329

Audit statusReconciled

Max audit delta$0

Top Recommendations

Investment Priority

Capture the full employer match

Capture the full employer match: Employer matching dollars are an immediate return that usually beats any tax location tradeoff.
Fund the HSA if eligible: An invested HSA can be triple tax advantaged and can reimburse qualified healthcare expenses later in retirement.
Evaluate a backdoor Roth IRA: Projected MAGI of $323,000 is above the direct Roth IRA range, so a backdoor Roth may preserve Roth accumulation if pro-rata IRA rules are manageable.
Use additional 401(k) space selectively: The current marginal federal rate is about 24%, so extra pre-tax savings can still be useful if retirement tax rates are lower.
Sell RSUs as they vest unless there is a deliberate concentration plan: RSUs are taxed as compensation at vesting; selling promptly can reduce single-stock concentration and redeploy into the target allocation.

Tax Location

The model sees both an early-retirement bridge need and meaningful future RMD pressure, so taxable brokerage improves liquidity and ACA/Roth-conversion flexibility more than another pre-tax deduction.

Recommended account: taxableBrokerage

Asset Allocation

Modeled growth glidepath target is 75% stocks, 19% bonds, 3% cash, and 3% alternatives.

Stocks 75% | Bonds 19% | Cash 3% | Alternatives 3%

Social Security

Claiming at user age 70 and spouse age 70 balances $2,246,196 of projected lifetime Social Security against $1,796,454 of pre-RMD Roth conversion room, $129,329 of IRMAA costs, and $22,767,311 of ending net worth.

Claiming age: 70 / 70

Planning Review Flags

Large MAGI jump: MAGI rises by $122,601 from the prior year while Roth conversions are $179,187. This may be intentional bracket filling, but it deserves review for ACA, IRMAA, and tax-bracket side effects.
Large MAGI jump: MAGI rises by $87,244 from the prior year while Roth conversions are $185,280. This may be intentional bracket filling, but it deserves review for ACA, IRMAA, and tax-bracket side effects.
Future rules are indexed estimates: Explicit rule tables currently run through 2026. Years 2027-2077 are projected from 2026 using configurable inflation assumptions, so future tax brackets, ACA subsidies, IRMAA thresholds, Medicare costs, and contribution limits should be refreshed yearly.

Year-by-Year Action Plan

Year	Ages	MAGI	Roth Conv.	RMDs	Action and Rationale
2026	45 / 43	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2027	46 / 44	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2028	47 / 45	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2029	48 / 46	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2030	49 / 47	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2031	50 / 48	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2032	51 / 49	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2033	52 / 50	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2034	53 / 51	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2035	54 / 52	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2036	55 / 53	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2037	56 / 54	$290,450	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Keep funding pre-retirement priorities: Before retirement, the plan prioritizes employer match, HSA/Roth eligibility, and taxable bridge liquidity rather than drawing down assets.
2038	57 / 55	$124,320	$0	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Hold MAGI under ACA target: Projected MAGI is already near the max-subsidy ACA target of $62,506, so the engine avoids extra Roth conversion income this year.
2039	58 / 56	$64,140	$53,431	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Fill income to ACA target: This uses $53,431 of traditional-to-Roth conversion room while keeping MAGI just under the modeled max-subsidy ACA target of $64,070.
2040	59 / 57	$65,781	$55,421	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Fill income to ACA target: This uses $55,421 of traditional-to-Roth conversion room while keeping MAGI just under the modeled max-subsidy ACA target of $65,709.
2041	60 / 58	$67,422	$57,400	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Fill income to ACA target: This uses $57,400 of traditional-to-Roth conversion room while keeping MAGI just under the modeled max-subsidy ACA target of $67,348.
2042	61 / 59	$69,061	$59,368	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Fill income to ACA target: This uses $59,368 of traditional-to-Roth conversion room while keeping MAGI just under the modeled max-subsidy ACA target of $68,987.
2043	62 / 60	$70,775	$61,399	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Fill income to ACA target: This uses $61,399 of traditional-to-Roth conversion room while keeping MAGI just under the modeled max-subsidy ACA target of $70,701.
2044	63 / 61	$72,564	$63,494	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Fill income to ACA target: This uses $63,494 of traditional-to-Roth conversion room while keeping MAGI just under the modeled max-subsidy ACA target of $72,489.
2045	64 / 62	$74,427	$65,653	$0	Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Fill income to ACA target: This uses $65,653 of traditional-to-Roth conversion room while keeping MAGI just under the modeled max-subsidy ACA target of $74,351.
2046	65 / 63	$76,139	$67,728	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2047	66 / 64	$78,076	$69,943	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2048	67 / 65	$80,013	$72,149	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2049	68 / 66	$202,614	$179,187	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2050	69 / 67	$202,386	$182,128	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2051	70 / 68	$229,343	$185,109	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2052	71 / 69	$316,587	$185,280	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2053	72 / 70	$386,209	$182,547	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2054	73 / 71	$388,556	$179,538	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2055	74 / 72	$318,059	$103,550	$0	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2056	75 / 73	$244,260	$6,097	$122,288	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve cash reserve: The withdrawal order treats cash as a reserve instead of first-line spending money, so taxable and strategy-driven retirement withdrawals are used before drawing down cash. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life.
2057	76 / 74	$246,305	$0	$126,309	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop.
2058	77 / 75	$259,891	$0	$199,847	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop.
2059	78 / 76	$270,595	$0	$210,551	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop.
2060	79 / 77	$281,496	$0	$221,452	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop.
2061	80 / 78	$293,272	$0	$233,228	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop.
2062	81 / 79	$304,791	$0	$244,747	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop.
2063	82 / 80	$317,693	$0	$257,649	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Preserve HSA for healthcare flexibility: The model now keeps HSA assets near the end of the withdrawal order because invested HSA dollars can be used tax-free for qualified medical expenses later in life. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop.
2064	83 / 81	$329,720	$0	$269,676	Use HSA for qualified healthcare costs: The model pays ACA or Medicare healthcare costs from HSA first because qualified medical withdrawals are tax-free. Any remaining healthcare cost is handled by the normal withdrawal strategy. Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop. Take required minimum distribution: RMDs are mandatory once the applicable start age is reached. The model treats them as useful income, but keeps earlier conversions focused on preventing RMDs from pushing you into upper brackets.
2065	84 / 82	$390,519	$0	$283,747	Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop. Pay projected tax and surcharge liability: The plan now treats federal tax, state tax, ACA subsidy changes, and Medicare IRMAA as real cash-flow costs. It withdraws $41,118 after accounting for income already available for spending and healthcare. Take required minimum distribution: RMDs are mandatory once the applicable start age is reached. The model treats them as useful income, but keeps earlier conversions focused on preventing RMDs from pushing you into upper brackets.
2066	85 / 83	$402,915	$0	$293,559	Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop. Pay projected tax and surcharge liability: The plan now treats federal tax, state tax, ACA subsidy changes, and Medicare IRMAA as real cash-flow costs. It withdraws $42,718 after accounting for income already available for spending and healthcare. Take required minimum distribution: RMDs are mandatory once the applicable start age is reached. The model treats them as useful income, but keeps earlier conversions focused on preventing RMDs from pushing you into upper brackets.
2067	86 / 84	$415,750	$0	$303,910	Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop. Pay projected tax and surcharge liability: The plan now treats federal tax, state tax, ACA subsidy changes, and Medicare IRMAA as real cash-flow costs. It withdraws $44,397 after accounting for income already available for spending and healthcare. Take required minimum distribution: RMDs are mandatory once the applicable start age is reached. The model treats them as useful income, but keeps earlier conversions focused on preventing RMDs from pushing you into upper brackets.
2068	87 / 85	$429,027	$0	$313,488	Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop. Pay projected tax and surcharge liability: The plan now treats federal tax, state tax, ACA subsidy changes, and Medicare IRMAA as real cash-flow costs. It withdraws $46,142 after accounting for income already available for spending and healthcare. Take required minimum distribution: RMDs are mandatory once the applicable start age is reached. The model treats them as useful income, but keeps earlier conversions focused on preventing RMDs from pushing you into upper brackets.
2069	88 / 86	$442,747	$0	$321,208	Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop. Pay projected tax and surcharge liability: The plan now treats federal tax, state tax, ACA subsidy changes, and Medicare IRMAA as real cash-flow costs. It withdraws $47,947 after accounting for income already available for spending and healthcare. Take required minimum distribution: RMDs are mandatory once the applicable start age is reached. The model treats them as useful income, but keeps earlier conversions focused on preventing RMDs from pushing you into upper brackets.
2070	89 / 87	$456,963	$0	$329,777	Avoid post-RMD Roth conversion spike: RMDs have started, but the engine avoids optional Roth conversions because tax-paid liquidity is not sufficient to pay the projected conversion tax without creating a pre-tax withdrawal loop. Pay projected tax and surcharge liability: The plan now treats federal tax, state tax, ACA subsidy changes, and Medicare IRMAA as real cash-flow costs. It withdraws $49,845 after accounting for income already available for spending and healthcare. Take required minimum distribution: RMDs are mandatory once the applicable start age is reached. The model treats them as useful income, but keeps earlier conversions focused on preventing RMDs from pushing you into upper brackets.

Report table limited to the first 45 projection years. Use CSV export for the complete ledger.

Accounts

Roth IRAsJordan 401(k)Taylor IRATaxable BrokerageHSACash Reserve

Year	Age	Roth IRAs	Jordan 401(k)	Taylor IRA	Taxable Brokerage	HSA	Cash Reserve	Total
2026	45/43	$212k	$904k	$327k	$490k	$67k	$92k	$2.1m
2027	46/44	$241k	$993k	$345k	$564k	$82k	$95k	$2.3m
2028	47/45	$271k	$1.1m	$364k	$642k	$97k	$97k	$2.6m
2029	48/46	$304k	$1.2m	$384k	$725k	$112k	$99k	$2.8m
2030	49/47	$338k	$1.3m	$405k	$813k	$129k	$102k	$3.1m
2031	50/48	$375k	$1.4m	$427k	$906k	$147k	$104k	$3.4m
2032	51/49	$415k	$1.5m	$451k	$1.0m	$166k	$107k	$3.7m
2033	52/50	$456k	$1.7m	$476k	$1.1m	$186k	$110k	$4.0m
2034	53/51	$501k	$1.8m	$502k	$1.2m	$208k	$112k	$4.3m
2035	54/52	$548k	$1.9m	$530k	$1.3m	$230k	$115k	$4.7m
2036	55/53	$599k	$2.1m	$559k	$1.5m	$254k	$118k	$5.1m
2037	56/54	$653k	$2.2m	$589k	$1.6m	$279k	$121k	$5.5m
2038	57/55	$701k	$2.4m	$622k	$1.7m	$300k	$124k	$5.8m
2039	58/56	$804k	$2.5m	$656k	$1.6m	$318k	$127k	$6.0m
2040	59/57	$915k	$2.6m	$692k	$1.5m	$338k	$130k	$6.2m
2041	60/58	$1.0m	$2.7m	$730k	$1.4m	$358k	$134k	$6.4m
2042	61/59	$1.2m	$2.8m	$770k	$1.4m	$379k	$137k	$6.6m
2043	62/60	$1.3m	$2.9m	$813k	$1.3m	$402k	$140k	$6.8m
2044	63/61	$1.5m	$3.0m	$857k	$1.1m	$426k	$144k	$7.0m
2045	64/62	$1.6m	$3.1m	$905k	$1.0m	$452k	$147k	$7.2m
2046	65/63	$1.8m	$3.2m	$954k	$896k	$470k	$151k	$7.5m
2047	66/64	$2.0m	$3.3m	$1.0m	$754k	$482k	$155k	$7.7m
2048	67/65	$2.2m	$3.4m	$1.1m	$598k	$479k	$159k	$7.9m
2049	68/66	$2.5m	$3.4m	$1.1m	$413k	$473k	$163k	$8.1m
2050	69/67	$2.9m	$3.4m	$1.2m	$235k	$465k	$167k	$8.4m
2051	70/68	$3.3m	$3.5m	$1.2m	$67k	$455k	$171k	$8.7m
2052	71/69	$3.7m	$3.4m	$1.3m	$0	$441k	$137k	$9.0m
2053	72/70	$4.1m	$3.2m	$1.4m	$0	$426k	$88k	$9.3m
2054	73/71	$4.6m	$3.1m	$1.5m	$0	$407k	$37k	$9.6m
2055	74/72	$5.0m	$3.0m	$1.5m	$0	$384k	$2,358	$9.9m
2056	75/73	$5.3m	$3.0m	$1.6m	$0	$358k	$0	$10.3m
2057	76/74	$5.7m	$3.0m	$1.7m	$0	$328k	$0	$10.7m
2058	77/75	$6.0m	$3.0m	$1.7m	$0	$294k	$0	$11.1m
2059	78/76	$6.4m	$3.1m	$1.8m	$0	$254k	$0	$11.5m
2060	79/77	$6.8m	$3.1m	$1.8m	$0	$210k	$0	$11.9m
2061	80/78	$7.3m	$3.1m	$1.8m	$0	$160k	$0	$12.3m
2062	81/79	$7.8m	$3.1m	$1.8m	$0	$104k	$0	$12.8m
2063	82/80	$8.3m	$3.1m	$1.8m	$0	$41k	$0	$13.2m
2064	83/81	$8.8m	$3.1m	$1.8m	$0	$0	$0	$13.7m
2065	84/82	$9.4m	$3.1m	$1.8m	$0	$0	$0	$14.2m
2066	85/83	$10.0m	$3.0m	$1.8m	$0	$0	$0	$14.8m
2067	86/84	$10.6m	$2.9m	$1.8m	$0	$0	$0	$15.3m
2068	87/85	$11.3m	$2.8m	$1.8m	$0	$0	$0	$15.9m
2069	88/86	$12.1m	$2.7m	$1.7m	$0	$0	$0	$16.5m
2070	89/87	$12.9m	$2.6m	$1.7m	$0	$0	$0	$17.1m
2071	90/88	$13.7m	$2.4m	$1.7m	$0	$0	$0	$17.8m
2072	91/89	$14.6m	$2.3m	$1.6m	$0	$0	$0	$18.4m
2073	92/90	$15.5m	$2.1m	$1.6m	$0	$0	$0	$19.1m
2074	93/91	$16.5m	$1.8m	$1.5m	$0	$0	$0	$19.9m
2075	94/92	$17.6m	$1.5m	$1.5m	$0	$0	$0	$20.6m
2076	95/93	$18.8m	$1.2m	$1.4m	$0	$0	$0	$21.4m
2077	96/94	$20.0m	$873k	$1.4m	$0	$0	$0	$22.2m

Income

Jordan 401(k) RMDsWagesWithdrawal: Taxable BrokerageWithdrawal: Jordan 401(k)Taylor IRA RMDsRoth conversion: Jordan 401(k)Social SecurityWithdrawal: HSA

Year	Age	Jordan 401(k) RMDs	Wages	Withdrawal: Taxable Brokerage	Withdrawal: Jordan 401(k)	Taylor IRA RMDs	Roth conversion: Jordan 401(k)	Social Security	Withdrawal: HSA	Taxable income	MAGI	Total
2026	45/43	$0	$290k	$0	$0	$0	$0	$0	$0	$259k	$290k	$290k
2027	46/44	$0	$290k	$0	$0	$0	$0	$0	$0	$258k	$290k	$290k
2028	47/45	$0	$290k	$0	$0	$0	$0	$0	$0	$257k	$290k	$290k
2029	48/46	$0	$290k	$0	$0	$0	$0	$0	$0	$257k	$290k	$290k
2030	49/47	$0	$290k	$0	$0	$0	$0	$0	$0	$256k	$290k	$290k
2031	50/48	$0	$290k	$0	$0	$0	$0	$0	$0	$255k	$290k	$290k
2032	51/49	$0	$290k	$0	$0	$0	$0	$0	$0	$254k	$290k	$290k
2033	52/50	$0	$290k	$0	$0	$0	$0	$0	$0	$253k	$290k	$290k
2034	53/51	$0	$290k	$0	$0	$0	$0	$0	$0	$252k	$290k	$290k
2035	54/52	$0	$290k	$0	$0	$0	$0	$0	$0	$251k	$290k	$290k
2036	55/53	$0	$290k	$0	$0	$0	$0	$0	$0	$250k	$290k	$290k
2037	56/54	$0	$290k	$0	$0	$0	$0	$0	$0	$249k	$290k	$290k
2038	57/55	$0	$120k	$56k	$0	$0	$0	$0	$0	$82k	$124k	$176k
2039	58/56	$0	$0	$153k	$0	$0	$53k	$0	$0	$21k	$64k	$206k
2040	59/57	$0	$0	$157k	$0	$0	$55k	$0	$0	$21k	$66k	$212k
2041	60/58	$0	$0	$160k	$0	$0	$57k	$0	$0	$22k	$67k	$218k
2042	61/59	$0	$0	$165k	$0	$0	$59k	$0	$0	$22k	$69k	$224k
2043	62/60	$0	$0	$169k	$0	$0	$61k	$0	$0	$23k	$71k	$230k
2044	63/61	$0	$0	$173k	$0	$0	$63k	$0	$0	$23k	$73k	$236k
2045	64/62	$0	$0	$177k	$0	$0	$66k	$0	$0	$24k	$74k	$243k
2046	65/63	$0	$0	$180k	$0	$0	$68k	$0	$8,293	$25k	$76k	$256k
2047	66/64	$0	$0	$185k	$0	$0	$70k	$0	$15k	$25k	$78k	$270k
2048	67/65	$0	$0	$189k	$0	$0	$72k	$0	$30k	$26k	$80k	$292k
2049	68/66	$0	$0	$208k	$0	$0	$179k	$0	$33k	$147k	$203k	$420k
2050	69/67	$0	$0	$192k	$0	$0	$182k	$24k	$35k	$145k	$202k	$432k
2051	70/68	$0	$0	$172k	$0	$0	$185k	$52k	$36k	$171k	$229k	$445k
2052	71/69	$0	$0	$67k	$71k	$0	$185k	$71k	$38k	$257k	$317k	$470k
2053	72/70	$0	$0	$0	$144k	$0	$183k	$71k	$40k	$325k	$386k	$488k
2054	73/71	$0	$0	$0	$149k	$0	$180k	$71k	$42k	$326k	$389k	$492k
2055	74/72	$0	$0	$0	$154k	$0	$104k	$71k	$44k	$254k	$318k	$408k
2056	75/73	$122k	$0	$0	$56k	$0	$6,097	$71k	$46k	$178k	$244k	$304k
2057	76/74	$126k	$0	$0	$60k	$0	$0	$71k	$49k	$179k	$246k	$306k
2058	77/75	$130k	$0	$0	$0	$70k	$0	$71k	$51k	$190k	$260k	$322k
2059	78/76	$137k	$0	$0	$0	$73k	$0	$71k	$54k	$199k	$271k	$335k
2060	79/77	$145k	$0	$0	$0	$77k	$0	$71k	$56k	$209k	$281k	$348k
2061	80/78	$153k	$0	$0	$0	$81k	$0	$71k	$59k	$219k	$293k	$363k
2062	81/79	$160k	$0	$0	$0	$85k	$0	$71k	$62k	$228k	$305k	$377k
2063	82/80	$169k	$0	$0	$0	$89k	$0	$71k	$65k	$239k	$318k	$393k
2064	83/81	$177k	$0	$0	$0	$93k	$0	$71k	$41k	$249k	$330k	$381k
2065	84/82	$186k	$0	$0	$47k	$97k	$0	$71k	$0	$308k	$391k	$401k
2066	85/83	$192k	$0	$0	$49k	$102k	$0	$71k	$0	$318k	$403k	$414k
2067	86/84	$197k	$0	$0	$52k	$107k	$0	$71k	$0	$329k	$416k	$426k
2068	87/85	$202k	$0	$0	$55k	$111k	$0	$71k	$0	$340k	$429k	$440k
2069	88/86	$206k	$0	$0	$61k	$116k	$0	$71k	$0	$352k	$443k	$453k
2070	89/87	$210k	$0	$0	$67k	$120k	$0	$71k	$0	$364k	$457k	$468k
2071	90/88	$211k	$0	$0	$77k	$124k	$0	$71k	$0	$376k	$472k	$482k
2072	91/89	$198k	$0	$0	$99k	$129k	$0	$71k	$0	$389k	$487k	$497k
2073	92/90	$185k	$0	$0	$125k	$133k	$0	$71k	$0	$402k	$503k	$513k
2074	93/91	$169k	$0	$0	$175k	$128k	$0	$26k	$0	$392k	$495k	$498k
2075	94/92	$149k	$0	$0	$214k	$124k	$0	$26k	$0	$404k	$510k	$514k
2076	95/93	$126k	$0	$0	$257k	$120k	$0	$26k	$0	$417k	$526k	$529k
2077	96/94	$101k	$0	$0	$303k	$117k	$0	$26k	$0	$431k	$542k	$546k

Withdrawals

Jordan 401(k) RMDsWithdrawal: Taxable BrokerageWithdrawal: Jordan 401(k)Taylor IRA RMDsConversion withdrawal: Jordan 401(k)Withdrawal: HSAWithdrawal: Cash Reserve

Year	Age	Jordan 401(k) RMDs	Withdrawal: Taxable Brokerage	Withdrawal: Jordan 401(k)	Taylor IRA RMDs	Conversion withdrawal: Jordan 401(k)	Withdrawal: HSA	Withdrawal: Cash Reserve	Total
2026	45/43	$0	$0	$0	$0	$0	$0	$0	$0
2027	46/44	$0	$0	$0	$0	$0	$0	$0	$0
2028	47/45	$0	$0	$0	$0	$0	$0	$0	$0
2029	48/46	$0	$0	$0	$0	$0	$0	$0	$0
2030	49/47	$0	$0	$0	$0	$0	$0	$0	$0
2031	50/48	$0	$0	$0	$0	$0	$0	$0	$0
2032	51/49	$0	$0	$0	$0	$0	$0	$0	$0
2033	52/50	$0	$0	$0	$0	$0	$0	$0	$0
2034	53/51	$0	$0	$0	$0	$0	$0	$0	$0
2035	54/52	$0	$0	$0	$0	$0	$0	$0	$0
2036	55/53	$0	$0	$0	$0	$0	$0	$0	$0
2037	56/54	$0	$0	$0	$0	$0	$0	$0	$0
2038	57/55	$0	$56k	$0	$0	$0	$0	$0	$56k
2039	58/56	$0	$153k	$0	$0	$53k	$0	$0	$206k
2040	59/57	$0	$157k	$0	$0	$55k	$0	$0	$212k
2041	60/58	$0	$160k	$0	$0	$57k	$0	$0	$218k
2042	61/59	$0	$165k	$0	$0	$59k	$0	$0	$224k
2043	62/60	$0	$169k	$0	$0	$61k	$0	$0	$230k
2044	63/61	$0	$173k	$0	$0	$63k	$0	$0	$236k
2045	64/62	$0	$177k	$0	$0	$66k	$0	$0	$243k
2046	65/63	$0	$180k	$0	$0	$68k	$8,293	$0	$256k
2047	66/64	$0	$185k	$0	$0	$70k	$15k	$0	$270k
2048	67/65	$0	$189k	$0	$0	$72k	$30k	$0	$292k
2049	68/66	$0	$208k	$0	$0	$179k	$33k	$0	$420k
2050	69/67	$0	$192k	$0	$0	$182k	$35k	$0	$408k
2051	70/68	$0	$172k	$0	$0	$185k	$36k	$0	$393k
2052	71/69	$0	$67k	$71k	$0	$185k	$38k	$37k	$399k
2053	72/70	$0	$0	$144k	$0	$183k	$40k	$52k	$418k
2054	73/71	$0	$0	$149k	$0	$180k	$42k	$51k	$422k
2055	74/72	$0	$0	$154k	$0	$104k	$44k	$35k	$337k
2056	75/73	$122k	$0	$56k	$0	$6,097	$46k	$2,358	$233k
2057	76/74	$126k	$0	$60k	$0	$0	$49k	$0	$235k
2058	77/75	$130k	$0	$0	$70k	$0	$51k	$0	$251k
2059	78/76	$137k	$0	$0	$73k	$0	$54k	$0	$264k
2060	79/77	$145k	$0	$0	$77k	$0	$56k	$0	$278k
2061	80/78	$153k	$0	$0	$81k	$0	$59k	$0	$292k
2062	81/79	$160k	$0	$0	$85k	$0	$62k	$0	$307k
2063	82/80	$169k	$0	$0	$89k	$0	$65k	$0	$323k
2064	83/81	$177k	$0	$0	$93k	$0	$41k	$0	$311k
2065	84/82	$186k	$0	$47k	$97k	$0	$0	$0	$330k
2066	85/83	$192k	$0	$49k	$102k	$0	$0	$0	$343k
2067	86/84	$197k	$0	$52k	$107k	$0	$0	$0	$356k
2068	87/85	$202k	$0	$55k	$111k	$0	$0	$0	$369k
2069	88/86	$206k	$0	$61k	$116k	$0	$0	$0	$383k
2070	89/87	$210k	$0	$67k	$120k	$0	$0	$0	$397k
2071	90/88	$211k	$0	$77k	$124k	$0	$0	$0	$412k
2072	91/89	$198k	$0	$99k	$129k	$0	$0	$0	$427k
2073	92/90	$185k	$0	$125k	$133k	$0	$0	$0	$443k
2074	93/91	$169k	$0	$175k	$128k	$0	$0	$0	$472k
2075	94/92	$149k	$0	$214k	$124k	$0	$0	$0	$488k
2076	95/93	$126k	$0	$257k	$120k	$0	$0	$0	$503k
2077	96/94	$101k	$0	$303k	$117k	$0	$0	$0	$520k

Roth Conversions

Roth conversion: Jordan 401(k)Est. conversion taxes

Year	Age	Roth conversion: Jordan 401(k)	Est. taxes	Total
2026	45/43	$0	$0	$0
2027	46/44	$0	$0	$0
2028	47/45	$0	$0	$0
2029	48/46	$0	$0	$0
2030	49/47	$0	$0	$0
2031	50/48	$0	$0	$0
2032	51/49	$0	$0	$0
2033	52/50	$0	$0	$0
2034	53/51	$0	$0	$0
2035	54/52	$0	$0	$0
2036	55/53	$0	$0	$0
2037	56/54	$0	$0	$0
2038	57/55	$0	$0	$0
2039	58/56	$53k	$1,003	$54k
2040	59/57	$55k	$1,092	$57k
2041	60/58	$57k	$1,180	$59k
2042	61/59	$59k	$1,262	$61k
2043	62/60	$61k	$1,345	$63k
2044	63/61	$63k	$1,434	$65k
2045	64/62	$66k	$1,530	$67k
2046	65/63	$68k	$1,613	$69k
2047	66/64	$70k	$1,704	$72k
2048	67/65	$72k	$1,790	$74k
2049	68/66	$179k	$14k	$193k
2050	69/67	$182k	$17k	$199k
2051	70/68	$185k	$20k	$205k
2052	71/69	$185k	$37k	$222k
2053	72/70	$183k	$40k	$223k
2054	73/71	$180k	$39k	$219k
2055	74/72	$104k	$23k	$126k
2056	75/73	$6,097	$732	$6,829
2057	76/74	$0	$0	$0
2058	77/75	$0	$0	$0
2059	78/76	$0	$0	$0
2060	79/77	$0	$0	$0
2061	80/78	$0	$0	$0
2062	81/79	$0	$0	$0
2063	82/80	$0	$0	$0
2064	83/81	$0	$0	$0
2065	84/82	$0	$0	$0
2066	85/83	$0	$0	$0
2067	86/84	$0	$0	$0
2068	87/85	$0	$0	$0
2069	88/86	$0	$0	$0
2070	89/87	$0	$0	$0
2071	90/88	$0	$0	$0
2072	91/89	$0	$0	$0
2073	92/90	$0	$0	$0
2074	93/91	$0	$0	$0
2075	94/92	$0	$0	$0
2076	95/93	$0	$0	$0
2077	96/94	$0	$0	$0

Taxes

Federal ordinary tax

Year	Age	Ordinary income	Capital gains	Roth conv.	MAGI	Fed taxable	State taxable	Fed ordinary	Fed cap gains	State	Total
2026	45/43	$290k	$0	$0	$290k	$259k	$0	$48k	$0	$0	$48k
2027	46/44	$290k	$0	$0	$290k	$258k	$0	$47k	$0	$0	$47k
2028	47/45	$290k	$0	$0	$290k	$257k	$0	$47k	$0	$0	$47k
2029	48/46	$290k	$0	$0	$290k	$257k	$0	$46k	$0	$0	$46k
2030	49/47	$290k	$0	$0	$290k	$256k	$0	$46k	$0	$0	$46k
2031	50/48	$290k	$0	$0	$290k	$255k	$0	$45k	$0	$0	$45k
2032	51/49	$290k	$0	$0	$290k	$254k	$0	$44k	$0	$0	$44k
2033	52/50	$290k	$0	$0	$290k	$253k	$0	$44k	$0	$0	$44k
2034	53/51	$290k	$0	$0	$290k	$252k	$0	$43k	$0	$0	$43k
2035	54/52	$290k	$0	$0	$290k	$251k	$0	$43k	$0	$0	$43k
2036	55/53	$290k	$0	$0	$290k	$250k	$0	$42k	$0	$0	$42k
2037	56/54	$290k	$0	$0	$290k	$249k	$0	$41k	$0	$0	$41k
2038	57/55	$120k	$4,161	$0	$124k	$82k	$0	$8,695	$0	$0	$8,695
2039	58/56	$53k	$11k	$53k	$64k	$21k	$0	$1,003	$0	$0	$1,003
2040	59/57	$55k	$10k	$55k	$66k	$21k	$0	$1,092	$0	$0	$1,092
2041	60/58	$57k	$10k	$57k	$67k	$22k	$0	$1,180	$0	$0	$1,180
2042	61/59	$59k	$9,694	$59k	$69k	$22k	$0	$1,262	$0	$0	$1,262
2043	62/60	$61k	$9,377	$61k	$71k	$23k	$0	$1,345	$0	$0	$1,345
2044	63/61	$63k	$9,070	$63k	$73k	$23k	$0	$1,434	$0	$0	$1,434
2045	64/62	$66k	$8,773	$66k	$74k	$24k	$0	$1,530	$0	$0	$1,530
2046	65/63	$68k	$8,411	$68k	$76k	$25k	$0	$1,613	$0	$0	$1,613
2047	66/64	$70k	$8,133	$70k	$78k	$25k	$0	$1,704	$0	$0	$1,704
2048	67/65	$72k	$7,864	$72k	$80k	$26k	$0	$1,790	$0	$0	$1,790
2049	68/66	$179k	$23k	$179k	$203k	$147k	$0	$14k	$0	$0	$14k
2050	69/67	$202k	$0	$182k	$202k	$145k	$0	$17k	$0	$0	$17k
2051	70/68	$229k	$0	$185k	$229k	$171k	$0	$20k	$0	$0	$20k
2052	71/69	$317k	$0	$185k	$317k	$257k	$0	$37k	$0	$0	$37k
2053	72/70	$386k	$0	$183k	$386k	$325k	$0	$52k	$0	$0	$52k
2054	73/71	$389k	$0	$180k	$389k	$326k	$0	$51k	$0	$0	$51k
2055	74/72	$318k	$0	$104k	$318k	$254k	$0	$35k	$0	$0	$35k
2056	75/73	$244k	$0	$6,097	$244k	$178k	$0	$20k	$0	$0	$20k
2057	76/74	$246k	$0	$0	$246k	$179k	$0	$20k	$0	$0	$20k
2058	77/75	$260k	$0	$0	$260k	$190k	$0	$22k	$0	$0	$22k
2059	78/76	$271k	$0	$0	$271k	$199k	$0	$23k	$0	$0	$23k
2060	79/77	$281k	$0	$0	$281k	$209k	$0	$24k	$0	$0	$24k
2061	80/78	$293k	$0	$0	$293k	$219k	$0	$25k	$0	$0	$25k
2062	81/79	$305k	$0	$0	$305k	$228k	$0	$26k	$0	$0	$26k
2063	82/80	$318k	$0	$0	$318k	$239k	$0	$28k	$0	$0	$28k
2064	83/81	$330k	$0	$0	$330k	$249k	$0	$29k	$0	$0	$29k
2065	84/82	$391k	$0	$0	$391k	$308k	$0	$41k	$0	$0	$41k
2066	85/83	$403k	$0	$0	$403k	$318k	$0	$43k	$0	$0	$43k
2067	86/84	$416k	$0	$0	$416k	$329k	$0	$44k	$0	$0	$44k
2068	87/85	$429k	$0	$0	$429k	$340k	$0	$46k	$0	$0	$46k
2069	88/86	$443k	$0	$0	$443k	$352k	$0	$48k	$0	$0	$48k
2070	89/87	$457k	$0	$0	$457k	$364k	$0	$50k	$0	$0	$50k
2071	90/88	$472k	$0	$0	$472k	$376k	$0	$52k	$0	$0	$52k
2072	91/89	$487k	$0	$0	$487k	$389k	$0	$54k	$0	$0	$54k
2073	92/90	$503k	$0	$0	$503k	$402k	$0	$56k	$0	$0	$56k
2074	93/91	$495k	$0	$0	$495k	$392k	$0	$53k	$0	$0	$53k
2075	94/92	$510k	$0	$0	$510k	$404k	$0	$55k	$0	$0	$55k
2076	95/93	$526k	$0	$0	$526k	$417k	$0	$57k	$0	$0	$57k
2077	96/94	$542k	$0	$0	$542k	$431k	$0	$59k	$0	$0	$59k

Spending

Modeled spendingMedicareTaxesIRMAA

Year	Age	Spending	ACA after subsidy	Medicare	Taxes	IRMAA	Total
2026	45/43	$145k	$0	$0	$48k	$0	$193k
2027	46/44	$149k	$0	$0	$47k	$0	$196k
2028	47/45	$152k	$0	$0	$47k	$0	$199k
2029	48/46	$156k	$0	$0	$46k	$0	$202k
2030	49/47	$160k	$0	$0	$46k	$0	$206k
2031	50/48	$164k	$0	$0	$45k	$0	$209k
2032	51/49	$168k	$0	$0	$44k	$0	$213k
2033	52/50	$172k	$0	$0	$44k	$0	$216k
2034	53/51	$177k	$0	$0	$43k	$0	$220k
2035	54/52	$181k	$0	$0	$43k	$0	$224k
2036	55/53	$186k	$0	$0	$42k	$0	$228k
2037	56/54	$190k	$0	$0	$41k	$0	$232k
2038	57/55	$167k	$0	$0	$8,695	$0	$176k
2039	58/56	$152k	$0	$0	$1,003	$0	$153k
2040	59/57	$155k	$0	$0	$1,092	$0	$157k
2041	60/58	$159k	$0	$0	$1,180	$0	$160k
2042	61/59	$163k	$0	$0	$1,262	$0	$165k
2043	62/60	$167k	$0	$0	$1,345	$0	$169k
2044	63/61	$172k	$0	$0	$1,434	$0	$173k
2045	64/62	$176k	$0	$0	$1,530	$0	$177k
2046	65/63	$180k	$0	$8,293	$1,613	$0	$190k
2047	66/64	$185k	$0	$15k	$1,704	$0	$201k
2048	67/65	$189k	$0	$30k	$1,790	$0	$221k
2049	68/66	$194k	$0	$33k	$14k	$0	$241k
2050	69/67	$199k	$0	$35k	$17k	$0	$250k
2051	70/68	$204k	$0	$36k	$20k	$0	$260k
2052	71/69	$209k	$0	$38k	$37k	$0	$284k
2053	72/70	$214k	$0	$40k	$52k	$0	$306k
2054	73/71	$220k	$0	$42k	$51k	$0	$313k
2055	74/72	$225k	$0	$44k	$35k	$0	$304k
2056	75/73	$231k	$0	$46k	$20k	$0	$297k
2057	76/74	$237k	$0	$49k	$20k	$0	$306k
2058	77/75	$242k	$0	$51k	$22k	$0	$315k
2059	78/76	$248k	$0	$54k	$23k	$0	$325k
2060	79/77	$255k	$0	$56k	$24k	$0	$335k
2061	80/78	$261k	$0	$59k	$25k	$0	$345k
2062	81/79	$268k	$0	$62k	$26k	$0	$356k
2063	82/80	$274k	$0	$65k	$28k	$0	$367k
2064	83/81	$281k	$0	$68k	$29k	$0	$378k
2065	84/82	$288k	$0	$72k	$41k	$0	$401k
2066	85/83	$295k	$0	$75k	$43k	$0	$414k
2067	86/84	$303k	$0	$79k	$44k	$0	$426k
2068	87/85	$310k	$0	$83k	$46k	$0	$440k
2069	88/86	$318k	$0	$87k	$48k	$0	$453k
2070	89/87	$326k	$0	$92k	$50k	$0	$468k
2071	90/88	$334k	$0	$96k	$52k	$0	$482k
2072	91/89	$343k	$0	$101k	$54k	$0	$497k
2073	92/90	$351k	$0	$106k	$56k	$0	$513k
2074	93/91	$360k	$0	$56k	$53k	$30k	$498k
2075	94/92	$369k	$0	$59k	$55k	$32k	$514k
2076	95/93	$378k	$0	$61k	$57k	$33k	$529k
2077	96/94	$388k	$0	$65k	$59k	$35k	$546k

OverviewRate This App

Recommended strategyBrokerage firstChosen Strategy

Brokerage first is recommended because it has the best weighted mix of net worth, taxes, ACA subsidies, IRMAA, RMD bracket pressure, estate efficiency, and stress-test stability.

Brokerage first has the highest modeled score at 404.7 points, 0.0 ahead of Roth conversion ladder.
Ending net worth is the strongest positive driver: $22,223,100 ending net worth adds one score point per $100,000.
Lifetime taxes is the largest scoring drag: $1,657,982 lifetime taxes subtract one score point per $50,000.

Ending net worth$22,223,100

Lifetime taxes$1,657,982

Unlicensed Preview

The planner is using the 6 pre-populated sample accounts for all projections. You can edit every other input to explore the workflow, but personalized account balances, cost basis, contributions, and asset allocation require the paid version.

License source: local-override. Full access requires a verified paid entitlement.

Web access uses Google sign-in plus a manual license record for now. Future web subscriptions can plug into the same license check.

Review Snapshot

3 items should be reviewed in Quality Checks.

Large MAGI jump

MAGI rises by $122,601 from the prior year while Roth conversions are $179,187. This may be intentional bracket filling, but it deserves review for ACA, IRMAA, and tax-bracket side effects.

Large MAGI jump

MAGI rises by $87,244 from the prior year while Roth conversions are $185,280. This may be intentional bracket filling, but it deserves review for ACA, IRMAA, and tax-bracket side effects.

Future rules are indexed estimates

Explicit rule tables currently run through 2026. Years 2027-2077 are projected from 2026 using configurable inflation assumptions, so future tax brackets, ACA subsidies, IRMAA thresholds, Medicare costs, and contribution limits should be refreshed yearly.

Investment Priorities

1. Capture the full employer match

Employer matching dollars are an immediate return that usually beats any tax location tradeoff.

Target: $10,000

2. Fund the HSA if eligible

An invested HSA can be triple tax advantaged and can reimburse qualified healthcare expenses later in retirement.

Target: $8,550

3. Evaluate a backdoor Roth IRA

Projected MAGI of $323,000 is above the direct Roth IRA range, so a backdoor Roth may preserve Roth accumulation if pro-rata IRA rules are manageable.

Target: $7,000

5. Use additional 401(k) space selectively

The current marginal federal rate is about 24%, so extra pre-tax savings can still be useful if retirement tax rates are lower.

Target: $24,000

6. Sell RSUs as they vest unless there is a deliberate concentration plan

RSUs are taxed as compensation at vesting; selling promptly can reduce single-stock concentration and redeploy into the target allocation.

Target: $20,000

Tax Location

Favor taxable brokerage after capturing match and HSA/Roth opportunities

Current marginal rate: 24%. Projected RMD-year marginal rate: 10%.

Taxable brokerage creates annual dividend and capital-gains tax drag.

It avoids age 59.5 restrictions and can fund low-MAGI ACA years.

Pre-Retirement Investing

2026: Age 45 / 43

Capture the full employer match

Modeled investable cash flow: $122,346

Capture the full employer match: $10,000

Fund the HSA if eligible: $8,550

Evaluate a backdoor Roth IRA: $7,000

2027: Age 46 / 44

Capture the full employer match

Modeled investable cash flow: $122,346

Capture the full employer match: $10,000

Fund the HSA if eligible: $8,550

Evaluate a backdoor Roth IRA: $7,000

2028: Age 47 / 45

Capture the full employer match

Modeled investable cash flow: $122,346

Capture the full employer match: $10,000

Fund the HSA if eligible: $8,550

Evaluate a backdoor Roth IRA: $7,000

2029: Age 48 / 46

Capture the full employer match

Modeled investable cash flow: $122,346

Capture the full employer match: $10,000

Fund the HSA if eligible: $8,550

Evaluate a backdoor Roth IRA: $7,000

2030: Age 49 / 47

Capture the full employer match

Modeled investable cash flow: $122,346

Capture the full employer match: $10,000

Fund the HSA if eligible: $8,550

Evaluate a backdoor Roth IRA: $7,000

2031: Age 50 / 48

Capture the full employer match

Modeled investable cash flow: $122,346

Capture the full employer match: $10,000

Fund the HSA if eligible: $8,550

Evaluate a backdoor Roth IRA: $8,000

Asset Allocation

Current vs target glidepath

Modeled growth glidepath target is 75% stocks, 19% bonds, 3% cash, and 3% alternatives.

Current: 77% stocks, 13% bonds, 9% cash, 0% alternatives.

Current allocation is close to the modeled glidepath target.

Social Security Timing

Claim at 70 / 70

Modeled with Balanced strategy.

Ages	Lifetime SS	Pre-RMD Roth
70 / 70	$2,246,196	$1,796,454
69 / 70	$2,138,542	$1,824,648
70 / 69	$2,156,798	$1,800,269
68 / 70	$2,028,373	$1,846,014

Stress Snapshot

4 stress cases need review.

Lost decade

Worst ending net worth: $2,777,386. This stress case cuts ending net worth by 88%. Review sequence risk, cash reserves, and flexible spending guardrails.

Estimates only

This app is planning software, not guaranteed financial, tax, legal, or investment advice. Tax laws and market returns change. Consult a CPA, CFP, estate attorney, or tax professional before acting.