Wealth Simulator

Model available money, market money, and protected money across retirement.

Illustrative retirement scenario
Interactive planning model • Values are estimates, not guarantees • Version 1.5.6
LONG-RANGE OUTLOOK

Projected Money Over Time

Explore how the plan may respond to time, income needs, taxes, and market events.

Safe Market Indexed Total
Powered by Isenberg Labs

Investment Advisory Services offered through Whitestone Capital Management LLC, a SEC Registered Investment Adviser (“Whitestone”). SEC registration does not constitute an endorsement of the firm by the commission nor does it indicate that the adviser has attained a particular level of skill or ability. Whitestone and Heritage Financial Planning LLC are independent entities. Insurance products are offered through Heritage Financial Planning LLC, by insurance licensed individuals.

Age 68 · Year 0
GUIDED SETUP

Start Planning

Work through the plan one step at a time. Each step opens the right area, and saving brings you back here so you always know what is finished.
FINAL CHECK

Here’s What We’re Using

Take one last look before running the simulator. These are the main numbers the projection will use.

Money Accounts

Income

Planned Events
PLAN INPUTS

Scenario Assumptions

Start with the basic planning facts. The simulator will handle taxes, RMDs, inflation, Social Security, and account rules in the background.

Advanced assumptions

Roth Conversions

Income

Money Accounts
STRESS TESTS

Scenario Events

Add one-time shocks such as market crashes, medical expenses, or care costs. Changes update the projection immediately.
HIDDEN OPTIMIZER

Monte Carlo-Style Allocation Search

Choose a market climate and number of trials. Existing liquid money stays liquid; the optimizer only tests non-liquid money between Market and Protected.
ACCOUNT DETAILS

Add Account

CONTRIBUTION SETTINGS

Only the fields that apply to this account type are shown. Indexed bonuses are one-time starting credits, not annual growth.
SIMULATOR MOVE

Withdraw Money

Choose how much to withdraw and where the net amount should land.
TAX & PENALTY REVIEW

Transfer Review
SIMULATOR CHECKPOINT

Timeline Paused

Make an optional transfer for this year, then continue the simulator from the changed account values.
LIFE EVENT

Planning Event
ADJUST PLAN

Respond to This Year

Make a lifestyle, income, distribution, or account change before continuing.

Comfort Zone Income

Change the annual lifestyle need from this point forward.

Distribution Destination

Choose where future net RMD deposits should land.

Income

Add new income, part-time work, pension, Social Security, or another cash-flow source.

Move Money

Open a transfer checkpoint for this year without restarting the timeline.

Accounts

Review account settings, locks, taxes, growth assumptions, and RMD settings.

Full Assumptions

Open the full planning setup if this event changes the broader plan.
SAVE PLAN

Save Wealth Simulator

This creates an Excel-compatible workbook with readable planning tables and embedded restore data for the Load Plan button.

File name
ClientClient
Scenarios1
Accounts0
AUDIT TRAIL

Activity History

This secure audit page records plain-English activity server-side, including saves, loads, prints, and session timing. Records are encrypted in transit and at rest.

Current Session0 minutes
Entries Stored0
Time ZoneEastern Time
SECURE ACCESS

Audit Password

Enter the audit password to view the hidden server-side activity history.

Password