Your whole financial life,
modeled and optimized.

A projection is only worth what actually gets executed. Every action your plan depends on is listed: sell this much stock, convert this much to Roth, sell this property, each with the year, the amount, the account it comes from, and the tax it triggers; marked on the charts at the year it happens; and printed year by year in the PDF. NestEdge never moves your money. It tells you and your adviser precisely what to do and when, then checks back later to ask whether it happened.

1,000 stochastic futures with Box-Muller market sampling. P10–P90 percentile bands on the net worth chart, a portfolio survival rate, and a worst/best-decile range. Runs as an async job so the UI never blocks.

Replay your plan through every real retirement start year back to 1928, covering the Depression, 1937, 1970s stagflation, 2000 and 2008, using the actual stock and bond return sequences that followed (Damodaran / NYU Stern data). Optionally drive living expenses by each era's real CPI, see how many historical retirements your plan survives, and overlay any single start year to compare against your plan. Not a simulation: real history.

Bridges the Budgeting module and your plan: one click compares your plan's living-expenses assumption against your real categorized budget, nets out what the plan already models separately (healthcare, housing, education, one-time spikes), flags taxes, and lets you preview or adopt the reconciled figure as an "Actual Spending" scenario, with full control over every inclusion.

Every claiming combination (age 62–70 × spouse 62–70) scored by NW + longevity/survivor value. Earnings Test & ARF, RIB-LIM, survivor benefits both ways, WEP/GPO removed (Fairness Act 2025), trust-fund insolvency what-ifs. SSDI (disability) modeled at full PIA with no early-claiming reduction, converting seamlessly to a retirement benefit at FRA.

Bracket-ceiling optimizer that finds exactly where the marginal rate stops paying. IRMAA torpedo zone detection, window-schedule awareness (front-loaded vs. uniform pacing), Roth 5-year clock, full RMD interaction.

Backdoor Roth IRA: IRS pro-rata rule (Form 8606), per-person pre-tax traditional IRA basis. Mega backdoor: after-tax 401(k) sub-account with basis/earnings split and §415(c) awareness. Auto-suggests conversion when eligible.

Non-qualified deferred comp payouts modeled with correct tax treatment: income tax due, FICA already accounted for at deferral (never double-counted), and the 20% excise-tax risk on a plan-modification violation.

Primary residences, rental properties with MACRS depreciation, §1250 recapture, LTCG, NIIT, §1031 like-kind exchange with boot calculation for partial and N→M multi-property exchanges, optimizer-driven sale timing, and a per-property cash-flow breakdown showing exactly where each rental's rent goes.

Every state + DC modeled with per-state retirement income exemptions for Social Security, civilian pensions, military retirement pay, and RMDs. Rules sourced from 2026 data and stored in an annually-updatable file.

Powered by Claude. Knows your full projection, Monte Carlo percentiles, and the optimizer's phase-by-phase reasoning. Ask questions in plain English and get plan-specific, year-by-year answers, not generic advice.

Bring in a spouse, financial planner, or trusted family member, with full control over whether they can view, edit alongside you, or manage the plan as a professional.

Model the full financial impact of a partner dying in any year: income adjustment, survivor SS benefit, life insurance payout, and survivor living expenses (configurable ratio, default 65%, OECD-aligned).

SPIA, DIA, fixed-term, variable, and joint-life annuities with COLA and exclusion ratios. Pension with independent start year, survivor benefit, and COLA. All income streams integrated in the year loop.

Vesting: years-of-service + hire year; engine forfeits the pension if you retire before vested (optimizer scores this). Military retirement pay tracked separately from civilian pension for state tax exemptions in ~37 states.

Build and compare alternative strategies side-by-side: different retirement dates, spending levels, asset allocations, or Social Security ages. Custom glide paths with arbitrary breakpoints let you model a bond tent: de-risk into retirement, re-risk after. Includes one-click SS insolvency templates (24%, 28%, zero).

Two measures per person from a full survivor projection: a solvency floor (the survivor never runs out of money) and a living-standard need that sizes coverage to preserve your household's per-person standard of living, based on the higher of planned or maximum-sustainable spending. Dashboard panel, Ask AI context, and PDF export. Variable Universal Life policies are recognized too: long-term-care rider coverage (daily benefit × years) and cash surrender value, shown alongside the gap.

ACA premium subsidy optimization, IRMAA surcharge 2-year lookback per person, Medicare Part B/D CPI projection with birth-month proration, HSA cascade rules, and long-term care premiums, all year by year.

Reach a traditional IRA years early without the 10% penalty. All three IRS methods (required minimum distribution, fixed amortization, fixed annuitization) using the Single Life table from Pub 590-B and the mortality table from Treas. Reg. §1.401(a)(9)-9, with the 5% floor rate of Notice 2022-6. Size the commitment from the actual bridge need, and see what it costs you: the panel puts the penalty avoided against the ACA subsidy lost and the extra tax owed, side by side. Guardrails flag a shortfall year and check whether the rule of 55 would have done the job without the commitment, because a series that busts re-charges the 10% on every payment already taken.

SECURE 2.0 age 73/75 trigger, per-person RMDs, QCD offset, and a configurable draw order (cash → bonds → brokerage → HELOC → trad IRA → Roth → HSA). A HELOC is drawn before retirement accounts since it carries no income tax or early-withdrawal penalty. Above your stock target, the draw takes stock ahead of bonds, so the money you were withdrawing anyway does the de-risking your glide path asks for. Capital loss carryforward (STCL + LTCL) offsets stock and property gains each year, then $3,000 of ordinary income. Want to override the algorithm? Pin an exact Trad IRA, Roth, or brokerage withdrawal for any year in a what-if scenario.

Car loans, student loans, and personal loans with optional extra-principal payments that accelerate payoff. A HELOC can sit alongside a mortgage as an active cash cushion, drawn in the withdrawal waterfall or tagged to fund a specific major expense (a new roof, say) directly. Reverse mortgages model the balance correctly: it grows instead of amortizing down, paying the owner tax-free, repaid from sale proceeds.