Monte Carlo Simulations & Account Optimization

Version 5 introduces sophisticated simulation capabilities and optimization tools for tax-advantaged accounts.

Monte Carlo Simulations

• Run thousands of randomized market scenarios
• Understand the probability of achieving your goals
• Visualize the range of possible outcomes
• Stress-test your plan against market volatility

Historical Sequence of Returns

• Test your plan against actual historical market data
• See how you would have fared retiring in different years
• Understand sequence-of-returns risk in retirement

Roth vs Traditional Optimization

• Compare Roth and Traditional 401(k)/IRA contributions
• Analyze which account type is better for your situation
• Factor in current vs expected future tax rates

529 Plan Analysis

• Model education savings with 529 plans
• Optimize contributions for college funding goals
• Integrate education planning with overall financial plan