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Model retirement withdrawal strategies that minimize taxes, ACA premium exposure, RMDs, and advisor fees across multiple scenarios.
Added May 28, 2026
8 signals
Pre-retirees and early retirees struggle to turn accumulated assets into tax-efficient income, especially when juggling taxable accounts, Roth conversions, pre-tax withdrawals, ACA subsidies, pensions, and future RMDs. Many want expert-quality planning without paying ongoing asset-based advisor fees that can materially change whether retirement is viable.
A SaaS planning tool imports account balances, tax lots, pensions, Social Security/CPP-style income, healthcare assumptions, and spending needs, then generates year-by-year withdrawal and conversion strategies. Users can compare scenarios such as retiring now versus later, keeping MAGI under subsidy thresholds, absorbing ACA policy changes, or replacing an expensive advisor with a one-time plan export for CPA or planner review.
A growing wave of FIRE and pre-retirement households is entering the decumulation phase, where tax and healthcare rules create higher-stakes planning complexity. Rising advisor fees, healthcare uncertainty, and expiring subsidy debates make self-directed scenario planning more urgent.
No signals available