Retirement Architect
An analytical workbench for financial advisors

Retirement Architect

Tools for advisors who plan in decades, not quarters. Two rigorous calculators under one quiet, editorial shell.

Advisor-grade math
Board-ready visuals
Tool 01

Social Security Optimizer

Evaluate every claim age from 62 to 70, including spousal and survivor coordination. Break-even curves, NPV comparisons, and sensitivity tornados.

  • Break-even curves with gold intersection markers
  • Spousal and survivor coordination logic
  • NPV at advisor-selected discount rate
Tool 02

Retirement Income Sequencer

Year-by-year tax-optimal withdrawals across Traditional, Roth, taxable, and HSA accounts. Naive vs optimized sequencing with a Roth conversion ladder.

  • Stacked withdrawal trajectory, age 65 to 95
  • Roth conversion ladder through RMD age
  • Lifetime tax delta in bold, headline numbers
Tool 03

The 8th Wonder

For young investors. See what starting now does for you, with a Buffett-grade reminder of why time is the variable that matters most. Inflation-adjusted toggle included.

  • Compound growth from age 22 to retirement
  • Cost-of-waiting comparison (5 and 10 year delays)
  • Inflation buffer toggle for real purchasing power