# A plan tested month by month across a thousand simulated paths

The planning suite holds the whole household, tests it across a thousand simulated market paths month by month, and records every decision along each path. The same plan feeds taxes, protection, estate work and the client's own view, so every professional and the client read one picture.

## The whole household in one plan
The plan holds the people, with birth dates, health, earnings records and the states they have lived in. It holds every account type, from taxable and retirement accounts to education accounts, inherited accounts, annuities, cash, deferred pay and company stock, each with its holdings, tax lots and beneficiaries. It holds eleven kinds of income, including pensions with survivor choices, rental and royalty income; spending by category, each with its own inflation rate; goals; eight kinds of debt; insurance; homes, rentals and land; business interests; and equity grants. Every fact says who supplied it, how sure the source is and when it was true.

## A thousand simulated paths, month by month
A plan runs across a thousand simulated paths by default. Market returns vary by path and move together the way asset classes really do, and the dates of death vary too, so the plan is tested against a long life, a short one and every order of deaths in a couple. Each path is a monthly ledger of income, spending, withdrawals, balances and life events: retirement, a benefit claim, the first required distribution, a death, an inheritance, a change of filing status. The same seed always gives the same path, so a result can be reopened and checked years later.

## Taxes worked out for every year of every path
Each year on each path is a real tax return, federal and state, computed with the same tax tools the tax practice files with. The return reflects that year's income, withdrawals and conversions, the taxability of benefits, required distributions, and the income-related premium surcharges that a high-income year triggers two years later. Years beyond the published rules are projected at a stated inflation rate and labeled as such. Open any year on any path and read its return line by line.

## Decisions recorded on every path
Along each path the plan makes and records decisions: how much to spend, when to claim benefits, which accounts to draw from, whether to convert to Roth, when to harvest losses and when to rebalance. Each decision names the rule that made it, what it considered and what it did. Decisions are made on a meeting cadence, every six months, and every three months in the years before a benefit claim, so the plan behaves the way a real advisory relationship does.

## Spending rules with guardrails
Choose how retirement spending adapts: a fixed amount, guardrails with a cut line and a raise line, a banded share of the portfolio, small permanent cuts after a bad year, or an amortized schedule. Spending can take an age shape, with early, middle and late rates, and a long-term care event can be added at a chosen age. Every rule adjusts only the discretionary spending above an essential floor that is never cut. Each year the rule could not be followed is recorded as a breach, and the chance of a breach is shown by age.

## Benefits, conversions and estate projection
The claiming map compares every claiming age for one person or a couple, including spousal, survivor and divorced benefits, and ranks the best strategies. Roth conversion analysis shows how much room each year has before the next bracket or surcharge, with state tax included. Required distributions, qualified charitable gifts and annual or lifetime gifts are modeled with their gift-tax filings. At each death the estate is settled: gross estate, federal and state estate tax, the unused exclusion carried to a spouse, step-ups in basis and what reaches each heir or trust.

## Trusts, entities and generations
Fifteen kinds of trust and entity are modeled, among them revocable and irrevocable trusts, spousal lifetime access trusts, grantor retained annuity trusts, charitable remainder and lead trusts, life insurance trusts, qualified personal residence trusts and family limited partnerships. Funding a trust, an installment sale to a trust, an intra-family loan, an estate freeze or a business sale are dated instructions in the plan. Family members carry their generation, so transfers that skip a generation are seen. One plan spans parents, children and trusts, and a family can share a summary across linked households.

## Results, scenarios and protection
Results show the chance of success at several confidence levels, the age the plan runs short, wealth by percentile, spending capacity and taxes by year. Save a scenario, change a few facts and compare terminal wealth, chance of success and lifetime taxes against the base plan. Life insurance needs, an essential-income floor and annuity income are sized against the same plan. The client sees the decisions delivered to them, their estate picture and their coverage in the portal. [Try the platform](/try?for=wealth), read more for [financial advisors](/advisors), or [talk with us](/contact).