Lump Slam
Professional retirement planning built on real math — not guesswork.
1. Enter Your Profile
Ages, assets, spending goals, and life expectancy.
2. Run Scenarios
Retire now vs. your stated date vs. status quo.
3. Four Seasons Strategy
COBRA → ACA → Medicare → RMDs, year by year.
4. Roth Conversion Engine
Minimize the tax torpedo on your pre-tax accounts.
5. Social Security Timing
Optimal claim age based on lifetime benefit analysis.
6. Optimization Opportunities
Which of the six levers apply to your situation.
7. Contingency Planning
Six risks and the widow's tax penalty, modeled.