ELIMINATE GUESSWORK. MAXIMIZE LIFESPEND
Stop Guessing Your Retirement
Start Optimizing Your LifeSpend
Traditional financial models rely on probabilistic guesswork and fear-based math. LifeSpend Planner uses exact economic optimization—powered by MaxiFi—to eliminate tax traps, optimize your Social Security, and maximize your safe, after-tax, after-inflation income for life.
The Old Way vs. The LifeSpend Way
Why Probability Scores Fail You
Probability Isn't Purchasing Power:
A "90% success rate" doesn't answer the only question that matters: "How much can I safely spend each year?"
The Cost of Over-Caution:
To reach an arbitrary "safe" score, traditional tools force you to underspend during your best active years—leaving behind accidental wealth you earned and instead were meant to enjoy.
One Life, Not 1,000 Scenarios:
You don't live across 1,000 parallel market simulations. You live one real life. You need a rock-solid spending baseline, not a roll of the dice.
The Science of Consumption Smoothing
Economic Optimization - Powered by MaxiFi
Instead of market guesswork, LifeSpend Planner uses Economics-Based Financial Planning.
Powered by MaxiFi Planner, we build your strategy around one unwavering goal: maximizing your smooth, lifetime discretionary spending power.
How We Maximize Your LifeSpend
3 Pillars of Your LifeSpend Plan
Real After-Tax Spending Power
We convert all your assets, pensions, Social Security, and tax liabilities into a single, reliable metric: Discretionary Spending Power.
This is the exact dollar amount you can spend every year, adjusted for real-world inflation, without running out.
Strategic Optimization
We don't leave your plan to market luck—we actively engineer it.
By calculating optimal Social Security filing ages, tax-efficient withdrawal sequences, and strategic Roth conversions, we unlock hidden spending power within your existing wealth.
In addition, knowing that you have a sufficient level of guaranteed income gives you further peace of mind that your plan will work for you.
Dynamic Adjustments
When life changes, tax laws shift, or markets move, we re-optimize your baseline.
You get clear, deterministic rules for adjustments—never a cloud of uncertain percentages.
Grounded in Economics
Why We Built LifeSpend Planner
Consumption Smoothing and Guaranteed Income:
Balance your living standard across your entire lifetime and eliminate the fear of a retirement cliff.
Tax Arbitrage:
Use strategic Roth conversions and withdrawal ordering to increase your spending money—not just your asset total.
Social Security and Medicare Tax Optimization:
Treat Social Security as what it really is: your ultimate inflation-protected annuity.
And treat IRMA for what it really is, an additional form of income taxation for people who have saved money throughout their working years and have higher taxable income during their retirement years.