Retirement Portfolio Model

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Overall Allocation

New Account

Account Name

Account Type

Owner

Sub-type

Balance ($)

Annual Contribution ($)

Interest Rate (APY %)

Asset Mix

Equities %

Fixed Inc %

Cash %

Monte Carlo Projection

Simulated growth to retirement — nominal returns, pre-inflation

Current Age

Retirement Age

Simulations

Assumptions: Equities μ=% σ=% Fixed Inc μ=% σ=% Cash = account APY · Contributions added annually

WCIR Setup Mapping

Account buckets that will be filled in Setup → Portfolio Balances

Scenario Name

Description

1 Ages & Year Factors

Your Retirement Age

Spouse Age (optional)

Plan To Age

Plan Start Year

2 Portfolio Balances

Enter current balances at the start of the plan.

Primary

Traditional IRA / 401(k) ($)

Roth IRA / Roth 401(k) ($)

Taxable / Brokerage ($)

Spouse

Traditional IRA / 401(k) ($)

Roth IRA / Roth 401(k) ($)

Taxable / Brokerage ($)

3 Return Rates & Allocation

Enter rates as percentages (e.g. 7 for 7%).

Stock Return Rate (%)

Bond Return Rate (%)

Initial Stock Allocation (%)

Glidepath Strategy

End Stock Allocation (%)

4 Income

Label

Type

Owner

Monthly Benefit ($)

Start Age

End Age

COLA Rate (%)

Gov't Benefit Cut (%)

Escalation Rate (%)

Tax Exclusion Ratio (%)

5 Expenses

Annual Expenses ($)

Inflation Rate (%)

IRMAA Annual Amount ($)

6 IRA Contributions & Withdrawals

Label

Type

Account

Owner

Annual Amount ($)

Start Age (optional)

End Age (optional)

Positive amounts = income, negative = expense.

Filing Status

State Tax Rate (%)

Deduction Type

Itemized Amount ($)

Itemized Escalation Rate (%)

Federal Flat Rate Override (%, optional)

Tax-Exempt Interest Income ($)

State SS Exclusion Method

Exclusion %

Mirrors the Base vs. Details sheets in Excel. Results appear in the Details tab.

Details Scenario Label

Override fields (dot-notation path, e.g. expenses.annual_expenses):

Mode

Override standard IRS federal brackets with custom rates. Leave disabled to use seeded IRS data.

Use Custom Federal Brackets

Drag to set the order investment accounts are drawn from when the PCFH needs a refill.

Starting Portfolio

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Avg Annual Income

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Peak RMD

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Portfolio Status

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No projection yet Fill in Setup and click Save & Run to see your summary.

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No projection yet Fill in Setup and click Save & Run to see Roth analysis.

No projection yet Fill in Setup and click Save & Run to see the calculation detail.

Saved Scenarios

No saved scenarios. Use Capture to save one.

Saved Scenarios

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