RetireNotions

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Manage access to the active workspace.

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Restoring creates a new revision and preserves the history.

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Export plans first. Cloud artifacts are collected after seven days; backup retention is separate. Account closure does not close your Family Tree account.

Spending Phases

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Workspace users

Household onboarding and recovery

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Recover current plan

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Guaranteed income by sourceSocial Security, pension and employment — before any portfolio withdrawal

Total guaranteed incomenominal dollars

In today's dollarswhat that income actually buys

Balances by accountstacked — 401(k), Roth, brokerage and cash at each year end

Total portfolioevery account together

What comes out each yearRMDs, portfolio withdrawals and Roth conversions

What is generating these numbersthe assumptions behind every chart on this screen

Ending balance by strategyfinal-year portfolio, split by tax treatment — pretax dollars still owe income tax, Roth dollars never will, so the nominal total alone understates the real difference

Income vs expenseswhere every dollar comes from, against where it goes — the two bars balance, so the portfolio draws show up as income

Income by sourceeverything that arrives as cash, stacked — including the withdrawals that fund spending

Taxes and premiums paidfederal and state income tax, Medicare Part B and D, FICA

Roth conversionssized by the active strategy's ceilings

Tax ratesmarginal vs effective on all income

Portfolio balancespretax, Roth and taxable at each year end

Total annual expensesnominal dollars, with retirement phases shaded

In today's dollarsthe same path adjusted for inflation — what it actually buys

By categoryevery budget line, stacked

By bucketessential vs discretionary vs future