My Income Model
This tool projects your retirement year by year to help you spend confidently while optimizing spending money while keeping taxes low over your lifetime.
Input workflow
It takes your accounts, income, and spending needs and works out how much to draw from each account each year — taxable, tax-deferred, and Roth.
Handles common scenarios
Federal and state tax, Social Security taxation, Medicare (IRMAA) surcharges, required minimum distributions, a fixed-index annuity, and — where they apply — a mortgage and a late-life long-term-care event.
Operational value
Use AI to optimize your strategy based on selected goals. The result is a clear model of your lifetime after-tax income, the taxes you'll pay, and what's left to spend and pass on as a legacy, with a plain-language explanation of the withdrawal order behind it.