Scenario Branching via "Parent & Child" Plan Hierarchies
Instead of managing separate spreadsheet copies, the forecasting engine uses an inheritance hierarchy to compare financial trajectories side-by-side.
Isolated Decision Overrides
A Parent Plan represents baseline ground truth. Specific life decisions (such as college choices or major property purchases) are modeled as lightweight Child Plans that inherit baseline accounts and cash flows while isolating specific modifications.
- Child Plan Isolation: Test "Pay for Ivy League" vs. "In-State Public" or "Retire at 50" vs. "One More Year" without altering your baseline.
- Side-by-Side Diff Scorecard: Instantly compare liquid wealth at age 60, retirement readiness age, and cumulative tax drag across plans.
- One-Click Inheritance Sync: When your real-world savings or salary changes, all child branches automatically update their core assumptions.
| SCENARIO PLAN | RETIRE AGE | NW AT 65 | STATUS |
|---|---|---|---|
| 🌿 Baseline Trajectory | Age 55.0 | $14.28M | Optimal |
| ↳ Child: Harvard Tuition | Age 56.5 (+1.5y) | $13.42M (-$860k) | Feasible |
| ↳ Child: In-State Public | Age 55.2 (+0.2y) | $13.95M (-$330k) | Optimal |
| ↳ Child: Vacation Home | Age 58.0 (+3.0y) | $12.10M (-$2.18M) | Trade-Off |
Continuous Timeline Ribbon Scrubber
Drag the scrubber needle smoothly across a 50-year horizon from 2026 to 2076. Zoom into specific decades to see exactly when children start college, options vest, or mortgages amortize.
Interactive HTML5 Canvas1,000-Trial Stochastic Monte Carlo
Stress-test plans against sequence-of-returns risk. Simulates 1,000 randomized market paths with geometric Brownian motion and historical crisis replay (2008 GFC, 1970s stagflation, 2000 dot-com crash).
10th–90th Percentile CorridorActuarial Joint Longevity Curves
Incorporates official Social Security Administration cohort life tables to evaluate surviving spouse income safety and joint survival probabilities up to age 100.
SSA Actuarial IntegrationTuition Ledger Integration & 529 Outflow Modeling
Connects multi-year school tuition schedules directly to long-term forecast cash flows, modeling tax-free 529 depletion and parental liquidity impact.
Dual-Mode Education Events
Education milestones support two operational modes: syncing directly with recorded tuition schedules, or overriding values to test hypothetical college scenarios.
- `[ 🔗 Synced with Ledger ]`: The simulation pulls grade progression, enrolled tuition rates, and graduation years directly from your education schedule.
- Automatic 529 Custodial Depletion: Tuition is drawn tax-free from the child's dedicated 529 reserve first. Only after the 529 is exhausted does the engine draw shortfall cash from parents' liquid brokerage.
- SECURE 2.0 § 126 Roth Rollover: Up to $35,000 of leftover 529 reserves per child can roll tax-free and penalty-free into their personal Roth IRA.
Stock Option Vesting, Secondary Liquidity & State Taxes
Models ISO and NSO grant schedules, exercise strikes, cashless company repurchases, and jurisdiction-specific capital gains taxes.
Vesting Schedule Tracking
Tracks multiple grant tranches, exercise strike prices, fair market value (FMV) growth, and 83(b) holding periods across startup and pre-IPO cycles.
ISO & NSO SupportCashless Company Buyback Modeling
Simulate secondary tenders and executive repurchases. Calculates exact net proceeds after withholding and models immediate reinvestment into index portfolios.
Secondary LiquidityStatutory State Capital Gains Taxes
Computes statutory liabilities including Washington State's 7.0% Capital Gains Tax (§ 82.87) with $250k standard exemption, and California ordinary income tax.
Statutory State RulesStatutory State Estate Taxes & Irrevocable Trust Vehicles
Calculates statutory state estate tax liabilities, post-2025 federal exemption sunset impacts, and irrevocable trust cash flows.
State Death Taxes & Trust Cash Flow Modeling
Models state-specific death tax formulas and evaluates the financial effect of transferring appreciating assets into irrevocable trusts.
- Statutory State Death Tax Engines: Washington (RCW 83.100 graduated 10%–20%), New York (Tax Law § 952 graduated 3.06%–16% with 105% cliff penalty that erases the exemption), Massachusetts & Oregon low thresholds, and 0% states (CA, TX, FL, NV, WY).
- Federal Exemption Sunset Toggle: Compares current $28M MFJ exclusion against the post-2025 TCJA sunset back to ~$14M MFJ.
- Irrevocable Trust Vehicles: Model SLATs (Spousal Lifetime Access Trust), IDGTs (Intentionally Defective Grantor Trust with grantor tax burn), GRATs (IRS § 7520 hurdle rate), and ILIT life insurance liquidity.
- Multi-Decade Inheritance Waterfall: Project net distributions to children and charitable legacies across ages 80, 85, 90, and 95.
Multi-State Tax Comparison & IRS Transcript Ingestion
Calculates comparative state income tax liabilities across five states and parses IRS Form 1040 Account Transcripts for safe harbor verification.
5-State Tax Arbitrage Engine
Side-by-side comparison of net take-home in Washington (0% income tax), California (up to 13.3%), New York (state + NYC local tax), Texas (0%), and Florida (0%).
W-2, Equity & YieldIRS Account Transcript Reconciliation
Ingests official IRS Form 1040 Account Transcripts, extracting quarterly estimated tax payments, safe harbor thresholds, and refund tracking without manual data entry.
IRS Form 1040 ParserPayroll Withholding & Safe Harbor
Reconciles bi-weekly payroll withholdings across both spouses to prevent IRS underpayment penalties (IRC § 6654 110% prior-year safe harbor rules).
Penalty PreventionSystem Security & Data Isolation
Personal wealth records are protected using column-level Fernet AES-256 encryption at rest and isolated database universes for demo sessions.
All sensitive account balances, salaries, equity grants, and personal identifiers are encrypted at rest using AES-256 (Fernet).
All personal details and financials are loaded dynamically from encrypted storage.
Production data is strictly isolated from demo sandboxes using dynamic universe proxies and read-only demo guardrails.
Explore Real-World Household Sandboxes
Because live accounts are private to the family, feel free to test the platform using these pre-seeded, multi-year demo households across different life stages.
The Jones Family
Tech + Doctor (SF)Dual high-earners in SF, 3 kids (College/HS/Grade), NSO grants, high CA state tax
The Miller Family
FIRE Early Retired (WA)Zero W-2 salary, $6.5M liquid index portfolio, 0% WA tax, Roth conversion ladder
The Chen Family
Startup Founder (NYC)Series A founder, ISO / AMT planning, Tribeca condo, toddler 529 superfund
The Ramirez Family
Teacher & Electrician (TX)High school teacher + master electrician, $150k HHI, home & auto loan, Texas 529s for 2 kids
The Taylor Family
Nurse & Operations (OH)Registered nurse + warehouse supervisor, $126k HHI, student loans, building 401(k) & emergency fund
The Foster Family
Single Mom & PT (CO)Solo pediatric physical therapist, 1 child (age 12), Head of Household, Colorado 529, 403(b) & Roth IRA
Explore the Demo Sandboxes
Because direct sign-in is reserved for our household, you can experience all functionality—including multi-plan scenario trees, 529 education syncing, and option modeling—through the simulated demo profiles above.