FIRE bridge to 65
Early retiree, age 50, drawing down on a balanced portfolio for 15 years until Medicare and Social Security kick in. The pre-Medicare gap years are the most failure-prone window in early-retirement planning.
Balance: $2.0M
Spend: $7,000 / mo (4.2% real)
Allocation: Balanced 60/40
Roth conversion ladder, ages 55–65
Pre-retiree (or early retiree) using a Roth conversion ladder during low-income gap years. Tests whether the plan survives the conversion-induced tax drag.
Balance: $1.5M
Spend: $5,500 / mo (4.4% real)
Allocation: Balanced 60/40
ACA cliff optimization
Early retiree managing MAGI under the ACA's 400% FPL cliff. Lower withdrawal rate combined with mid-equity allocation; the analysis quantifies how much margin the plan retains under each forecast.
Balance: $1.8M
Spend: $4,800 / mo (3.2% real)
Allocation: Balanced 60/40
Tax-torpedo Roth glide
Pre-RMD retiree at 67 using aggressive early Roth conversions to flatten the tax torpedo when Social Security starts at 70 and RMDs at 73. Higher-than-typical withdrawal during conversion years.
Balance: $1.2M
Spend: $6,500 / mo (6.5% real)
Allocation: Balanced 60/40
Survivor / widowhood projection
Single widowed retiree, 75. Conservative 40/60 allocation, modest withdrawal, 20-year horizon. The classic late-retirement longevity question; conservative allocation tightens the spread across forecasts.
Balance: $800K
Spend: $3,500 / mo (5.3% real)
Allocation: Conservative 40/60
How to use a template
- Pick the closest archetype above and click "Open in forecast compare." The form pre-fills with the template's default inputs.
- Adjust the inputs to match the actual client (current age, balance, withdrawal rate, etc.).
- Optionally fill in firm name and advisor name in the white-label-PDF section before running.
- Click "Run comparison across 6 forecasts." Six parallel simulations take ~5–15 seconds.
- Click "Save plan…" to persist the inputs to your browser; recall later from the saved-plans page.
- Click "Download client PDF" or "Download both as one PDF" (client + 4-page methodology supplement).
Want a different archetype? Email [email protected] with the scenario you're seeing in client work; we'll add it to the template library if it's a common workflow.