Scott & Courtney · Target: Nov 2027 sabbatical → 2028 permanent retirement · Ages 42
Run portfolio survival scenarios and stress-test your spending strategy
Manage MAGI, ACA cliff, Roth conversions, and Social Security timing
Live YTD income vs ACA cliff. Know exactly how much Roth conversion and LTCG harvest room remains before hitting the cliff.
TaxSize Roth conversions against the ACA cliff. Tracks dividends, muni interest, capital gains, and conversion headroom. Auto-switches HH4→HH3 at 2037.
Tax Planning35-year federal projection, bracket analysis, LTCG harvest room
Dec 31 countdown with specific dollar amounts
Claiming strategy, breakeven, PV analysis, survivor benefit
IRS Uniform Lifetime Table RMDs from 2059–2090
ACA premium & subsidy tracker 2028–2051
IRMAA thresholds, QCD strategy, Medigap comparison
Bucket refill, rebalancing, bond strategy, and net worth tracking
Plan which lots to sell when refilling buckets. Tiered sell strategy preserves SCHD dividends. 238 lots ranked by sell priority.
ExecutionPortfolio drift monitor vs 75/25 target. Tax-smart buy/sell action plan — tax-advantaged accounts first, then taxable.
PortfolioMaster roadmap, estate planning, and data synchronization