Choose a Tool
1
COLA Erosion Calculator
Ch. 3 — The Pension Is Not Your Whole Plan
See how inflation erodes your pension's purchasing power over time, even with cost-of-living adjustments.
2
Fee Drag Calculator
Ch. 4 — The Portfolio Problem
Discover how investment fees compound against you and how much switching to low-cost funds could save.
2A
Pension Bond-Equivalent Calculator
Ch. 4 — The Portfolio Problem
See your pension's true bond-equivalent value and discover what your portfolio's real stock/bond split actually looks like.
2B
Pension-Aware Allocation Modeler
Ch. 4 — The Portfolio Problem
Compare a generic 60/40 portfolio against a pension-aware 80/20 model and see the projected growth difference over 20 years.
3
Roth Conversion Window Modeler
Ch. 5 — The Tax Surprise
Find how much you can convert to Roth each year while staying in a favorable tax bracket.
4
Healthcare Bridge Cost Calculator
Ch. 6 — The Healthcare Gap
Estimate the cost of health insurance between early retirement and Medicare eligibility at age 65.
5
LTC Planning Lane Identifier
Ch. 7 — The Care Question
Find which long-term care planning strategy fits your situation: self-insure, insurance, or Medicaid.
6
RMD Projection Tool
Ch. 8 — The Chens
Project your Required Minimum Distributions and see how Roth conversions could reduce your tax burden.
7
Social Security Claiming Optimizer
Ch. 9 — Social Security: A Changed Landscape
Compare claiming at 62, FRA, and 70 to find your optimal Social Security strategy.
8
Retirement Readiness Score
Ch. 10 — Your Next Steps
Assess your retirement preparedness across 7 critical planning dimensions with a personalized score.
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