Net Worth & Balance Sheet

Scott & Courtney · Live balance sheet + retirement milestones

💰 Current Snapshot
Assets
Taxable Brokerage (Schwab)
Scott Traditional IRA
Courtney Traditional IRA
Scott Roth IRA
Courtney Roth IRA
Scott 401k
Courtney 401k
Cash / Money Market
Primary Residence
529 Plans
Other Assets
Liabilities
Mortgage Balance
Other Liabilities
Investable Portfolio —
Total Assets —
Total Liabilities —
Net Worth —
📊 Asset Allocation % of investable portfolio
Tax Diversification Score —
🎯 Retirement Milestones
Milestone Target Current Investable Status
⚠ Over 60% in pre-tax accounts — high RMD exposure after 2059. Consider Roth conversions.
📅 Historical Snapshots
Date Investable Portfolio Net Worth Change Note
🗂 Retirement Draw Order

Tax-Efficient Withdrawal Sequence

STEP 1
Cash / MM
No tax event
Bucket 1 reserve
→
STEP 2
Taxable Brokerage
0% LTCG while in
low bracket
→
STEP 3
Trad IRA / 401k
→ Roth conversions
fill 12% bracket
→
STEP 4
Roth IRA
Last resort
Tax-free forever