Model disclosures

Current model

Version: 2026.4

The engine estimates household cash flows and tests retirement scenarios across simulated market, inflation, longevity, healthcare, tax, and spending conditions.

Major assumptions

• Results depend on user-entered balances, income, contributions, spending, retirement dates, and benefit estimates.
• Market paths are simulations, not forecasts. Tail events outside configured assumptions remain possible.
• Tax, Medicare, Social Security, contribution-limit, and RMD approximations can become outdated or differ by household.
• Healthcare and long-term-care costs are estimates and do not replace insurance analysis.
• Home equity is available only when the selected strategy enables it.

Interpreting success probability

A probability describes the share of modeled paths that funded the selected plan through the selected horizon. It is not the probability that a real household will experience a particular outcome.

Review cadence

Revisit the plan after major income, spending, tax, health, family, or market changes, and at least annually.