Strategy Engine — Potential Strategies
Tests combinations across withdrawal order, Roth conversions, and Social Security timing — 500 Monte Carlo runs each.
Rank by:
Testing strategy combinations…
Your Plan
Baseline
Ending balance (age 90)
$6.72M
—
Bracket Fill withdrawals · SS at 67 · no Roth conversions. Solid — funds last past 90 in 94% of runs.
Optimized Withdrawal
Top RankedTax-Smart
Ending balance (age 90)
$6.97M
+$250k vs. your plan
Bracket Fill plus a Roth conversion window, ages 65–69 — filling the 12% bracket before RMDs and Social Security crowd it out.
Delay SS to 70
Lower Medicare
Ending balance (age 90)
$6.89M
+$170k vs. your plan
Bigger guaranteed benefit and smaller IRMAA surcharges — at the cost of heavier portfolio draws in the early years.