Dashboard
Live model — all numbers update instantly
Wealth composition
Income vs expenses
30-year portfolio projection
With drawdown (red) vs no drawdown (green)
Retirement plan
Phase 1 bridge · Phase 2 full access
Bridge period: Gil 57.5, Shir 56.5 at retirement. All IRAs/401K/TIAA locked ~2-3 years. IFC crystallises at Shir 62. Phase 1 = IFC + real estate only.
Phase 1 · age 57-59½ (locked)
| IFC income | - |
| Real estate net | - |
| Cash buffer | - |
| Total income | - |
| Annual expenses | - |
| Surplus/(gap) | - |
Phase 2 · age 59½+ (full access)
| IFC income | - |
| Real estate net | - |
| IRA/401K withdrawal | - |
| Total income | - |
| Annual expenses | - |
| Surplus/(gap) | - |
72(t) SEPP: Allows penalty-free IRA access before 59½ via Substantially Equal Periodic Payments (~$40-60K/yr). Must continue 5 yrs or to 59½. Consult a tax adviser.
IFC decision
$1,125,370 total · 3% penalty per year before age 62
Early withdrawal penalty table
Full benefit $70,000/yr at age 62. Penalty = 3% per year early.
Select IFC strategy
Option A — Annuity (penalised rate)
Receive penalty-adjusted annuity when Shir retires. Guaranteed for life. No estate value. Use the retirement age slider to see exact amount.
GuaranteedImmediate incomePenalisedNo estate
Option B — Lump sum ($1,125,370 at 62)
Take full amount at age 62, no penalty. Invest yourself. At 5% = $56K/yr. No income from IFC until age 62.
No penaltyEstate valueNo income til 62
Option C — Hybrid (recommended)
DB ($282,822) as penalised annuity for immediate income. CB ($842,548) as lump sum at 62. Balances security and flexibility.
Some immediate incomeLump estateRecommended
Shir works longer — impact per extra year
30-year cumulative payout
Real estate
All changes auto-saved locally
Properties
Mortgage summary
Investments
All retirement accounts · click Update to edit
All accounts
All retirement accounts locked until 59.5. Gil unlocks ~2 yrs after retirement, Shir ~3 yrs. Consider 72(t) SEPP for earlier penalty-free access.
College savings
529 plans
Rebalance alert: 529 plans approaching the 4-year window from withdrawal should move to conservative allocations. See the table below for per-plan status.
Israel note
Israeli universities (Hebrew University, Technion, TAU, BGU) are eligible 529 institutions. Verify current IRS list. Non-qualified use: income tax + 10% penalty on earnings only, not principal.
Sensitivity analysis
Move any slider — all outputs update instantly
Income
Rates
Expenses
Portfolio values
Live results
30-year wealth path
Gap heat map
Rows = RE income · Cols = IFC return rate
Break-even analysis
Scenarios
Live from current model values · IFC penalty applied
Timeline
Key milestones and action checklist
Milestones
Action checklist
AI adviser
Knows your live model including IFC penalty
Your current model
Shalom! I have your complete financial picture including the IFC early withdrawal penalty (3% per year before 62). What would you like to explore?
Portfolio strategy
Based on your live Vanguard holdings · $842,006 total · April 2026
⚠ Bond overweight: 29% in bonds (BND + BNDX + VBIRX) is unusually high for a pre-retirement accumulation phase. At your ages this dampens growth significantly — bonds typically belong in the 10–20% range for ages 45–55.
⚠ Target-date fund + duplicates: Your 401(k) holds a Target Retirement 2030 fund ($111K, 13%) which already contains BND, VTI, and VTIAX — you are paying for the same assets twice outside that fund.
⚡ Israel concentration risk: ISRA (VanEck Israel ETF, $16K) + ESLT (Elbit Systems, $8K) = ~2.9% in a single small-market country. Defence sector + geopolitical risk amplified. Consider trimming to <1%.
⚡ Speculative tail: QBTS, RGTI, ONFO, LMND, SNAP, ANGI, RBLX total ~$6.2K (0.7%). These are micro-caps or loss-making. Low dollar risk but noisy. Worth cleaning up.
✓ Core is solid: VTI + VTIAX/VXUS + VOO provide broad US + international equity exposure at low cost. VIGAX/VSIAX/VVIAX add factor tilts. This core is well-structured.
Current allocation breakdown
Recommended allocation
Target for ages ~48–55, 10-12 yrs to retirement
Holdings analysis — all positions
Strategic recommendations
Suggested rebalance actions
Estimated trades to reach target allocation from current $842K
Current vs target — asset class %
Growth projection: current vs optimised (12 years to ~2038)
Illustrative. Current mix assumed 5.8% return; optimised mix assumed 7.1% return.
Trends & history
Monthly snapshots — track how your wealth grows over time
How it works: Each time you click "Save snapshot" your current numbers are recorded. Do this once a month to build a trend. The more snapshots you save, the richer the charts.
Total net worth over time
Annual income vs expenses trend
Investment accounts breakdown
Each retirement account tracked separately over time
Real estate — market value vs equity
Cash & liquidity
Snapshot history log
Model Settings
Edit the assumption constants behind the model's calculations
Changes save automatically and apply everywhere. Use Reset next to a field to restore the default, or Reset all to restore every value at once.
For per-formula documentation see
FORMULAS_INVENTORY.md in the repo.