Financial Planning · Cyber Stock Monitor

Import Today's dollars

Net Worth Today

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cash + investments

Unvested RSUs

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not in net worth

At Retirement

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Peak

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At End of Plan

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First Shortfall

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For use by licensed financial advisors only. Projections are hypothetical illustrations based on stated assumptions and do not constitute financial advice. Past performance does not guarantee future results.

Profile

Client email

Birth year

Retirement age

Plan through age

SS start age

62–70 · FRA is 67

Include spouse Social Security

Assets

Cash ($)

Cash yield (%)

Index pool ($)

Diversified stock holdings · grows at the market return

Index pool cost basis ($)

Your original investment cost · gains above this are taxed as LTCG on drawdown

Roth IRA / 401k ($)

Tax-free in retirement

Traditional 401k / IRA ($)

Taxed as ordinary income on withdrawal

Concentrated stocks

Price fills from Yahoo when you enter a ticker; edit it to override. Growth blank = market return.

Income & Spending

Salary ($/yr)

Bonus ($/yr)

Annual raise (%)

State tax

Flat state rate (%)

Used only with Flat rate

Spending ($/yr)

Today's dollars

Retirement spending

Today's dollars

Spouse salary ($/yr)

Used for spouse SS estimate

Spouse annual raise (%)

RSU Vesting

Ticker

Price today ($)

Growth (%)

Blank = market return

Tax on vest (%)

Blank = marginal, stacked on salary

Share withholding (%)

% of gross shares withheld for taxes · reduces net shares received

Vested shares held now

Counted in net worth · don't also add them under Concentrated stocks

On vest

Past vests are yours (vested); future vests are unvested and only enter the projection on their vest date. Vests after your retirement age are treated as forfeited. Importing replaces the list.

Loans & Milestones

Loan payments and one-time events affect net flow in the relevant year. Enter amounts in today's dollars. Use a negative amount for a windfall (gift, inheritance, sale).

Loans / Construction

One-time Events

Assumptions

Market return (%)

S&P 500 long-run ≈ 10%

Inflation (%)

Optimistic (%)

Pessimistic (%)

Index volatility (%)

Yearly swing · S&P ≈ 16%

Stock volatility (%)

Single stocks / RSUs ≈ 40–60%

Rental Properties

Model rental income, expenses, and mortgage cash flow. Depreciation reduces taxable income; passive losses up to $25k/yr deducted (phased out $100k–$150k MAGI). Sale year triggers capital gains + depreciation recapture at 25%; 1031 exchange defers all gain.

Client Notes

Import from meeting transcript

Zoom Google Meet Otter.ai Teams Any transcript

Paste any auto-generated transcript. The AI will pull out relevant numbers, decisions, and action items.

Use the AI assistant to explore what-if scenarios.

Net worth projection

Model includes federal + state income tax, FICA, capital gains tax on drawdowns, and estimated Social Security. Traditional 401k withdrawals taxed as ordinary income; Roth withdrawals tax-free.

Odds of success · Monte Carlo

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Simulating…

Year by year

Year	Age	Income	SS	RSU vest	Rental CF	Federal tax	State tax	Total tax	Spending	Net flow	Growth	Cash	Roth	Traditional	Index	Stocks	Net worth