Enter your profile above to see your floor analysis.
Income Stacking: Every income source stacked by year — color coded by tax treatment. Use the year slider to move through retirement and see consequences change. The consequence tracker shows IRMAA, SS taxability, NIIT, and state tax in real time. ✦ New tool
Year-by-year income stack
Tax consequence tracker
Year 1
Drag to move through retirement years
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Change to see consequences update in real time
SS Optimizer: The claiming age decision can be worth $100,000+ over a lifetime. For married couples, who claims when determines the survivor benefit for decades. ✦ New tool
Guardrails (Guyton-Klinger): Set upper and lower spending rails. If a market crash pushes your withdrawal rate above the upper rail — cut spending by the adjustment amount. If growth pushes it below the lower rail — you can raise spending. This flexibility lets you take more income early while protecting against running out. Choose a historical scenario or enter a custom market sequence.
Guardrails Settings
5.0%
3% Conservative8% Aggressive
6.0%
4%10%
4.0%
2%6%
10%
5% Minor20% Aggressive
Market Scenario
Enter annual return for each year (e.g. −30 for a 30% loss). Leave blank to use portfolio return assumption.
Monte Carlo: Runs 500 market sequences with realistic volatility. The same average return produces wildly different outcomes depending on when bad years occur.
Simulation Settings
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12%
5% Low25% High
Inflation-adjust withdrawal annually
Income Forecast: A complete year-by-year view of every income source, tax bracket, IRMAA status, and portfolio balance — from retirement through your planning horizon. This is the page clients take home. Color coded: green = on track, gold = watch, coral = alert. ✦ New tool
IRMAA & NIIT: Two of the most misunderstood costs in retirement. IRMAA is an income-based Medicare surcharge — billed 2 years after the income year, hitting retirees who have no idea it's coming. NIIT is a 3.8% surtax on net investment income above certain thresholds. Both can be permanently reduced through advance planning. ✦ New tool
RMD Planning: The IRS forces distributions from pre-tax accounts starting at age 73 (or 75 if born 1960 or later per SECURE 2.0). These stack on pension and SS — often pushing retirees into higher brackets, triggering IRMAA, and increasing SS taxability. Planning ahead with Roth conversions and QCDs can significantly reduce the impact.
RMD Settings
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Show spouse RMD scheduleCalculated from spouse date of birth
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Include Inherited IRA / Beneficiary IRAPost-SECURE Act: most non-spouse beneficiaries must empty within 10 years
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Ready to build your household income plan?
These tools show the framework. A personalized plan puts your actual numbers in, optimizes your SS claiming strategy, times Roth conversions to avoid IRMAA, and builds a floor that means your portfolio is never survival money.
Medicare surcharge exposure · Net Investment Income Tax · 2-year lookback
Octus Financial
Inherited IRA & Roth Conversion Strategy
SECURE Act 10-year rule · Who Roth conversions help — and who they don't
Octus Financial
Income Forecast
Year-by-year income · Tax bracket · IRMAA · Net income · Portfolio balance
Octus Financial
Next Step
Schedule Your Planning Conversation
This analysis is a framework. A personalized plan puts your actual numbers into each strategy, optimizes your Social Security claiming, times Roth conversions to avoid IRMAA, and builds a guaranteed income floor that means your portfolio is never survival money.
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calendly.com/octusfinancial/introduction
Mia Smith, FRC, NSSA, FPWM
Octus Financial · (321) 567-1958 · mia@octusfinancial.com
octusfinancial.com · Licensed in 48 states
This analysis was prepared for educational and planning purposes only. It is not a solicitation, offer, or guarantee of any particular investment outcome or rate of return. Social Security projections are estimates based on SSA general rules and your input — actual benefits depend on your full earnings record. Tax calculations use current federal law and 2026 IRS tables; state taxes vary. IRMAA thresholds are 2026 figures and subject to annual adjustment. Monte Carlo results represent probabilistic outcomes, not predictions. All figures are hypothetical illustrations. Consult a qualified tax, legal, and financial advisor before making retirement income decisions. Octus Financial is a DBA of Everlasting Retirement LLC. Fiduciary-minded language applies pending active IAR registration.