Your financial actions — set manually or let an optimizer choose
set one, or let an optimizer choose
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Automatic scores many candidate strategies across thousands of simulated lifetimes, so it takes seconds to a couple of minutes — the Social Security search is the slowest. Whatever you lock in then applies to every later run and feeds the next optimizer.
Social Security timing
Claim ages follow each benefit's start age on the Income page. Switch to Automatic to search for the ages that maximize survival-weighted lifetime Social Security.
Edit Social Security benefits
Roth conversions
Configure systematic Roth conversions during a target window.
Enable Roth Conversions
Limits
Stay within bracket
No limit
12%
22%
24%
32%
Don't trigger a higher Medicare premium
Convert at least
$
in total (today's dollars)
Withdrawal order
Order the account types from first-drawn (top) to last-drawn (bottom). Use the arrows to reorder, or apply a common preset.
Quick presets
Draw-down order
1
Taxable
2
Traditional
3
Roth
4
Cash
Including Cash means cash is spent in that position; put it last to preserve it longest.
How to optimize
For educational and illustrative purposes only — not financial, tax, legal, or investment advice. Projections are model output, not predictions. See the full disclaimer on About.
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