Sandbox — one-off, not saved to any client.Nothing here is stored. To save work, open a client and use the plan.Go to clients →
Decumulation optimizer
Compares the RMD-only path against filling Roth conversions to the 12 / 22 / 24% bracket tops over the horizon — ranked by lifetime tax. Educational illustration, not advice.
Retiree
Lifetime tax by strategy
Optimizing…
Monte Carlo — return risk
300 random return paths · 5.0% mean ± 12% volatility. Each strategy keeps its conversion schedule; only returns vary.
Run the simulation to see how each strategy’s lifetime tax holds up across 300 random market paths.