A bond-centric planning tool that shows advisors exactly how a client's portfolio stacks up against their IRS distribution requirements.
There are two documents below. Start with the Projection Tool to run a live calculation, or open the Data Sources document to see where all the numbers come from.
Disclaimer: All projections are hypothetical illustrations based on advisor-provided inputs and should not be construed as investment, tax, or legal advice. RMD calculations are based on the IRS Uniform Lifetime Table (IRS Publication 590-B, 2022 revision) and SECURE 2.0 Act age rules. Bond income projections assume a fixed yield and do not guarantee future performance. Taxes owed on distributions are not calculated — consult the client's CPA or tax advisor.