Advisor Tools | Sextant Risk

Client and household

Only enter details that materially change this year’s plan.

Step 1 of 3

Who is this plan for?

Client’s age *

Partner’s age *

Filing status *

State *

More household details

Local tax rate Optional

%

Tax household size

People enrolled in Medicare

What must the portfolio cover?

Spending minus outside income becomes the amount the client’s accounts must provide.

Monthly spending needed *

Monthly Social Security

$

Monthly pension and annuity income

The estimate treats this amount as taxable.

Monthly employment income

Monthly qualified medical spending

Shown because an HSA was entered.

Monthly giving through a QCD

Use an HSA only for qualified medical expenses. Those withdrawals are generally federal tax-free. Nonqualified withdrawals are taxable and may also face a penalty before age 65.

Add the client’s accounts

Step 2 of 3

Tax guardrails

These come from the income entered, and they decide which account the money comes from first. Change either one.

Step 3 of 3

Maximum federal bracket

Cash to leave untouched

Medicare income ceilingCurrent income generally affects Medicare premiums two years later.

Show a Roth conversion that fits these limits

More planning choices

Withdrawal schedule

How taxes will be covered

The Medicare ceiling uses published 2026 thresholds as a planning proxy, not a prediction of future premiums.

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Save this client

The Withdrawal Waterfall Calculator.

Client and household

What must the portfolio cover?

Add the client’s accounts

Tax guardrails

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Client and household

What must the portfolio cover?

Add the client’s accounts

Tax guardrails