Retirement Command Center

Scott & Courtney · Target: Nov 2027 sabbatical → 2028 permanent retirement · Ages 42

Investable Portfolio

$3.25M

April 2026 · excl Housing + 529s

Boldin Success Rate

74%

Monte Carlo baseline

2028 ACA Cliff

$135K

HH4 · 400% FPL

Unrealized LT Gains

$216K

Miller Stock Account · 185 lots

Boldin CSV

Not uploaded

Schwab Lots

Not uploaded

ACA Cliff Table

2026–2051 · +2.5%/yr

⬆ Import Backup

Monte Carlo Simulator

Run 2,000+ simulations against your Boldin cash flows. Test bucket strategy, spending flex, SS haircut scenarios. Upload new Boldin CSVs to refresh.

ACA MAGI Planner

Size Roth conversions against the ACA cliff. Tracks dividends, muni interest, capital gains, and conversion headroom. Auto-switches HH4→HH3 at 2037.

Bucket Refill Planner

Plan which Miller lots to sell each year. 238 tax lots ranked by priority. Live MAGI tracking, 0% LTCG capacity, and sell plan builder. FIFO-friendly.

Annual Playbook

Month-by-month calendar, 50-year milestone roadmap, key thresholds, and year-by-year conversion/MAGI/cliff summary table. The master reference doc.

Annual Update Checklist — January Reset