The quality of your LifeSpend Plan is driven by the quality of the data you put into the plan. We capture your specific household, career, and asset details to build a baseline that can be modified over time.

1. Household Demographics & Horizon: Birthdates, target retirement ages, and a maximum age horizon (e.g., age 100).

2. Earned Income & Social Security: Employer salaries, growth rates, planned retirement years, and official SSA earnings histories.

3. Retirement & Taxable Accounts: Balances, ongoing contributions, and survivor settings for IRAs, 401(k)s, Roth IRAs, and taxable accounts.

4. Housing & Liabilities: Primary residence value, property taxes, maintenance, interest rates, mortgage balance, and pay-off timelines.

5. Specialized & Lumpy Cash Flows: 529 college funds, inheritances, future major trips or vehicle purchases, rental real estate, and Medicare Part B enrollment.

Once your personal profile is mapped, we apply economic conditions that can be modified at your discretion or used in stress testing.

1. Safe Rates of Return & Inflation: General inflation (e.g., 2.35%) and conservative asset returns (e.g., 5.00%), deriving a safe net real interest rate (e.g., 2.65%).

2. Tax Drag, Sunsets & Healthcare: Factors in future tax rate shifts, state income taxes, and Medicare IRMAA premium surcharges.

3. Withdrawal Rules & Account Sequencing: Sequencing rules (Roth First vs. Proportional) and annuitization limits across your planning timeline.

4. Living Dynamics & Household Scaling: Economic equivalence scaling (e.g., two adults costing 1.6x a single adult).

5. Survivor Protection & Legacy Goals: Target percentages of assets to leave behind, survivor living standards, and life insurance needs.