Your inputs
yrs
Auto-set from your birthday — change it in Settings ⚙
yrs
yrs
Current balances
$
$
$
$
Annual contributions
$
$
$
$
Retirement assumptions
$
$
yrs
$
Decumulation strategy
Borrow against the taxable brokerage (an SBLOC) instead of selling it — loan draws are untaxed, the portfolio stays invested, heirs inherit with stepped-up basis and the estate repays the loan. RMDs still apply, the loan compounds, and a market drop past your max LTV forces a taxed sale.
%
%
Allocation glidepath
%
%