Free calculators and planning education for pre-retirees. Model your retirement, find the gaps, and understand the six risks most plans miss entirely.
Enter a few numbers and see exactly how prepared you are for retirement, with a plain-English breakdown of where the gaps are.
401(k), IRA, taxable combined
All accounts combined
Projected savings growth at each checkpoint, the contribution gap if one exists, and the three specific levers that would improve your score the most.
No spam. One follow-up email with an invitation to review your plan.
A 30-minute call with Henry costs you nothing. We'll walk through your actual numbers and the tax moves that most projections never account for.
Model your retirement income against your spending to see whether your money lasts, and how different scenarios change the picture.
All accounts combined
All expenses, today's dollars
Pension, rental, part-time
Exactly how your portfolio balance changes each year, three scenario comparisons, and the one decision that has the single largest impact on your outcome.
No spam. One follow-up email with an invitation to review your plan.
| Scenario | Return | Portfolio lasts to |
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30 minutes with Henry. We'll stress-test your plan against sequence of returns risk and tax drag, the two things most projections ignore.
A projection is only as good as its assumptions. Here's what serious retirement planning has to account for that no model captures on its own.
Two retirees with identical average returns can have completely different outcomes depending on when the bad years hit. A 30% drop in year one of retirement is far more damaging than the same drop in year ten. Most projections use average returns and miss this entirely.
Read the full pieceWithdrawing $7,500/month from a traditional IRA costs more than $7,500. Federal and state taxes, IRMAA surcharges on Medicare premiums, and Social Security taxation can add 20-35% to your effective cost of income. The tax plan is the retirement plan.
Roth conversion timingThe classic rule assumes a 30-year retirement with a specific mix of stocks and bonds. Retire at 60 with a 35-year horizon, and the math changes. So does a bond-heavy portfolio in a higher-rate environment. It's a starting point, not a plan.
Retiring before 65 means bridging to Medicare on your own. ACA marketplace premiums for a couple in their early 60s can run $1,500-$2,500 per month depending on income. This is consistently the most underestimated line item in early retirement budgets.
IRMAA and Medicare costsClaiming at 62 versus 70 can mean a difference of 76% in your monthly benefit. The break-even calculation is straightforward, but the right answer depends on your health, your spouse's benefit, and your other income sources. Most people claim too early.
The claiming strategy guideHealthcare inflation runs at roughly 2x the general rate. If you're projecting 3% inflation across all spending, you're likely underestimating what your budget looks like at 80. A tiered inflation assumption changes the long-term math significantly.
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