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.
529 plans
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.
Snapshot history log
Period-over-period changes for every category. Click ✕ to remove a bad snapshot.
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
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.