Household example

Alex & Jordan. Home-base plan.

Dual-career couple in the Hudson Valley, two kids in college, one set of aging parents. They want to retire in 5–7 years, buy a second home in Florida, travel extensively in their 60s, and know the plan holds up even if one of them needs late-stage care in their 80s.

Ages 58 & 55 Home base New York → Florida Retirement 2031 / 2033 Horizon 30 years
Plan verdict
Snapshot of what Forecast4 shows on their Dashboard today.
Year 2026 · Mid scenario
Monte Carlo success
94%
1,000 simulations · $500K target end balance
On track
Starting wealth
$1.74M
$850K taxable · $620K pre-tax · $145K Roth · $120K savings
Current earned income
$280K
$185K + $95K · stops 2031 / 2033
Floor distance at end
+$1.32M
Above $500K legacy target · within plan horizon
Within range
Social Security · combined
$82,800 / yr
Alex $49.2K at 67 · Jordan $33.6K at 67 · 2.6% COLA · first claim 2035
Claim age locked
Primary home equity
$1.83M
NY residence · $375K mortgage · sells 2033 → savings
Late-care buffer
$400K
Protected from discretionary spend · CCRC + home health covered
Funded
Four phases, one ledger
Every dollar is allocated to a phase. Spending adjusts at each transition, automatically.
Phase 01
Accumulation
2026 · 2031
Peak earning years. $48K/yr to retirement accounts. Graduate school for Child 1. 529 covers Child 2 junior year.
Phase 02
Tier 1 · Active
2033 · 2043
Both retired. FL beach house purchase. Sailboat in 2034. Portugal summer, Thailand winter. Spending tier 70% fixed / 30% discretionary.
Phase 03
Tier 2 · Slowing
2044 · 2049
Travel tapers. Late-care allocation steps up to 20%. Survivor scenario modeled for 2048 with $500K term policy.
Phase 04
Tier 3 · Late Care
2050 · 2055
CCRC buy-in for Alex ($350K, 2046). Home health aide for Jordan ($4.2K/mo). LTC insurance offsets 3–4 years of costs.
Key moments
Inflection points that move the needle on the plan.
2030
Inheritance · $175K
Family trust distribution lands one year before Alex's retirement. Plan routes it to taxable brokerage to smooth the bridge to Social Security.
2033
Primary home sale · $1.83M equity
NY home sells; $950K Florida beach house closes same year. Sale proceeds net mortgage payoff, fund the FL down payment, balance to savings.
2035
Social Security turns on
Alex claims at 67. Plan transitions from portfolio-only draw to combined SS + portfolio. Discretionary tier rises with the offset.
2040
Health shock · Jordan
$45K one-time + $8K/yr for 3 years modeled. Runway buffer absorbs the one-time hit; discretionary tier temporarily compresses.
2046
CCRC buy-in · Alex
$350K entrance fee, $5,500/mo monthly, 5% annual escalator. Late-care buffer covers 4-year reserve; LTC insurance covers 3 years of monthly.
2048
Survivor scenario modeled
Spending factor drops to 70%, $500K term life proceeds land. Plan runs the surviving-partner path and holds the floor.
Tier 1 allocation Active retirement · Ages 65 · 72
Discretionary
40%
Housing
20%
Capital
15%
Late care
10%
Unallocated
10%
Family
5%
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Persona, dollar figures, and scenarios are illustrative only. Not a recommendation. Forecast4 is a planning tool, not investment advice.