Plan Your Pivot

Model income sources, spending needs, timelines, and stress scenarios in one guided planning tool.

Default inflation 2.0% Default A-rated MYGA 5.5% Guided planning tool

Profile setup

Scenario + horizon

Scenario

State

Current age

Model until age

Expenses (left side)

3 bucket spending model

Essential spend (monthly $)

Basic lifestyle (monthly $)

Optional spend (monthly $)

Inflation assumption (%)

Display dollars

All spend inputs are monthly in today's dollars. The model inflates them by your inflation setting each year.

Assumptions + buffers

Tax, health, and spending shifts

Effective tax drag on income (%)

Educational simplification: applies one blended tax rate across income streams.

Cash reserve available for deficits ($)

Used before unfunded gap accumulates.

Health-cost bridge ends at age

Extra pre-Medicare health cost (monthly $)

Basic + optional change at retirement (%)

One-time expense age (optional)

One-time expense amount ($)

Use this block to test planning resilience. This tool is educational and does not provide individualized advice.

Income stream 1

Future job + Social Security

Job income (annual)

Job growth (%)

Retirement age

SS start age

SS monthly ($)

SS COLA (%)

Income stream 2

SEPP 72(t) pre-retirement stream

Enable SEPP stream modeling

SEPP annual distribution ($)

Distribution source

SEPP start age

Planned SEPP end age

Apply rule-aware penalty handling

Educational approximation: this model checks only basic continuity criteria (5 years or to age 59½, whichever is longer). It is not legal or tax advice.

Income stream 3

MYGA split model (annuitized + preservation)

Retirement / IRA total ($)

Default MYGA allocation from IRA (%)

Auto-set MYGA principal and duration from IRA total + retirement age

MYGA accumulation (%)

Total MYGA principal ($)

Annuitized share (%)

Non-annuitized MYGA duration (years)

Non-annuitized MYGA maturity routing

Annuitized income start age

Annuitized payout rate (%)

Annuitized income COLA (%)

Min annual annuitized income ($)

Split modeling: annuitized MYGA can provide pre-retirement income; non-annuitized MYGA focuses on capital preservation and maturity routing. Any 72(t)/SEPP penalty treatment shown here is a simplified educational approximation.

Income stream 4

Stock market stream

Starting portfolio ($)

Expected return (%)

Withdraw rate (%)

Stock draw start age

Annual contribution pre-retire ($)

Stress return shock (%)

Controls

Tip: annual view is better for stress and cumulative diagnostics; monthly view helps lifestyle budgeting.

Model assumptions + limitations

Annual-step simulation; intra-year timing and half-year IRS thresholds are approximated.
SEPP 72(t) logic is a basic continuity screen only, not a legal determination.
Tax drag uses one blended rate plus optional modeled 10% early-withdrawal penalty impact.
MYGA handling is scenario-based and does not model carrier-specific contract riders.

Educational planning tool only. SEPP and tax treatment are simplified rule-aware estimates, not investment, tax, or legal advice. No data is submitted.

Handoff readiness

Ready to review your plan?

Schedule with an agent

Educational estimate summary only. Review assumptions with a licensed professional before any decisions.

Job income
Social Security
Annuitized MYGA income
Stock stream
SEPP stream
Expense need

Stacked areas separate Job and Social Security in different blue shades; annuitized MYGA income appears independently from preservation transfers. Dark line shows total after-tax income against expense need.

Detailed diagnostics: expense decomposition, MYGA transfer events, SEPP stream/penalty treatment, reserve usage, and cumulative unfunded gap progression.

Age	Essential	Basic+Optional	Health+One-Time	MYGA transfer	Total Expense	Job	Social Security	Annuity	Stock Stream	SEPP Stream	SEPP/72(t) Penalty	Gross Income	Tax Drag	After-Tax Income	Gross Gap	Reserve Used	Unfunded Gap / Surplus	Cumulative Unfunded	Reserve End	Portfolio End

Scenario	Coverage @ Retire	Unfunded Cumulative	Ending Portfolio	Delta vs Baseline (Gap)

Stress scenarios are educational sensitivity checks (market, tax, longevity, and selected policy/assumption shocks), not individualized recommendations.

Educational planning tool only. SEPP 72(t), tax, and annuity assumptions are simplified approximations and not individualized investment, tax, or legal advice.