In a good year
We refill early and lock in gains, sometimes extending the runway beyond five years.
The mechanics
Six segments, six jobs.
Each five-year block of your retirement is funded separately and invested according to how soon you will spend it. Here is what each one is for.
Pays you now
Years 1–5
Stable and predictable, not exposed to the market
3.5% assumed
Pays you next
Years 6–10
Short-term bonds and conservative income
4.5% assumed
Refills Segment 2
Years 11–15
Balanced — some growth, still defensive
5.5% assumed
The middle distance
Years 16–20
Growth-leaning, with time to recover
6.5% assumed
Later years
Years 21–25
Growth — two decades before it is touched
7.0% assumed
Longevity and legacy
Years 26–30
Long-horizon growth and inflation defense
7.5% assumed
Assumed rates are illustrative and rise with the time horizon because money that will not be spent for decades can accept more volatility. They are not projections and not a guarantee.
Refilling
What happens when a segment runs out
Segment one is spent over its five years. Before it empties, we refill it from segment two, which has been growing in the meantime — and segment two gets refilled from segment three. The refill is a decision, not an automatic sale.
In a bad year
We wait. That is the entire point — the near-term income is already there, so nothing has to be sold at a low.
Every year
We look at whether your spending, your taxes, or your life has changed, and adjust the plan rather than the other way around.
Try it
Change your situation and watch the segments move
Funded by your portfolioCovered by consistent monthly income
Segment 1
Age 62–66
$530K
to fund today
Pays you now
Stable and predictable, not exposed to the market
Segment 2
Age 67–71
$204K
to fund today
Pays you next
Short-term bonds and conservative income
Segment 3
Age 72–76
$166K
to fund today
Refills Segment 2
Balanced — some growth, still defensive
Segment 4
Age 77–81
$122K
to fund today
The middle distance
Growth-leaning, with time to recover
Segment 5
Age 82–86
$91K
to fund today
Later years
Growth — two decades before it is touched
Segment 6
Age 87–91
$65K
to fund today
Longevity and legacy
Long-horizon growth and inflation defense
Consistent monthly income, once it all switches on
$5,100/mo
Against a $9,000/month target
Your portfolio covers, in year one
$9,000/mo
Starting at age 62
What this plan takes to fund
$1,177,960
The starting scenario
Change one answer and the allocation changes — not just the total. Claiming Social Security at 70 barely moves what the whole plan costs, but it nearly doubles what Segments 1 and 2 have to carry — because you are funding the gap yourself until the checks start. That is why two people with the same savings do not get the same plan.
Let us find out what your portfolio can actually pay you.
Thirty minutes to see where your income will come from. If we are not the right fit, we will tell you.