Resources & Assumptions

• Market returns: annual draws from the return mean/volatility set in the UI; the same return is applied to all accounts each year.
• SEPP payment: single-life amortization formula using the specified term and annual rate.
• Withdrawal order (modeled): SEPP → Roth (up to annual availability) → Brokerage → IRA → HELOC.
• HELOC model: revolving line with starting availability equal to the HELOC input. Interest accrues annually on outstanding balance; an optional fixed annual repayment attempts to reduce the outstanding balance using brokerage → roth → IRA.
• No explicit taxes, inflation, or transaction costs are modeled — adjust spending/returns to approximate.
• Deterministic projection uses the mean return; Monte Carlo uses independent annual draws (runs set in UI).
• Inputs are formatted as USD. Focus an input to edit the raw number, blur to reformat.

References (examples; replace/add your own):

• IRS — RMD / life-expectancy tables
• SSA — Period life tables
• Fidelity Life Expectancy Tables
• IRS — SEPP guidance