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
As-of Date:
Investable Portfolio
—
Total Assets
—
Total Liabilities
—
Net Worth
—
📊 Asset Allocation
% of investable portfolio
Tax Diversification Score
—
🎯 Retirement Milestones
Annual Expenses ($):
Milestone
Target
Current Investable
Status
⚠ Over 60% in pre-tax accounts — high RMD exposure after 2061. Consider Roth conversions.
📅 Historical Snapshots
+ Add Snapshot
Date
Investable Portfolio
Net Worth
Change
Note
No snapshots yet — add one above to start tracking.
🗂 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
Cash / Money Market
— no tax event
Use bucket 1 first; replenish from portfolio annually
Taxable Brokerage
— 0% LTCG while in low bracket
Harvest gains at 0% (married filing jointly up to ~$94k MAGI)
Traditional IRA / 401k → Roth conversions
(fill 12% bracket)
Convert up to top of 12% bracket each year before RMDs begin
Roth IRA
— last resort, tax-free forever
Let it compound; no RMDs; pass tax-free to heirs