Retirement Projection Analysis Engine
Generate defensible retirement projections with stress-testing and tax-optimized withdrawal strat...
What You Can Do
You can generate detailed retirement readiness assessments that move beyond simple replacement ratios. This skill analyzes client-specific variables including Social Security claiming strategies, pension income, portfolio sequencing, tax bracket management, and longevity risk to create adaptive projections suitable for client presentations and regulatory documentation. You'll produce stress-tested scenarios showing how different market conditions, withdrawal rates, and spending decisions impact retirement success.
Features
model thousands of market scenarios to calculate success probability and identify sequence-of-returns risk
incorporate Social Security optimization, pensions, annuities, part-time income, and taxable/tax-deferred/tax-free withdrawals
recommend optimal account drawdown order to minimize lifetime tax liability across different account types
model early, full, and delayed claiming scenarios with longevity adjustments
evaluate portfolio resilience against inflation, market downturns, healthcare costs, and extended longevity
adjust projections based on guardrails approach (reduce spending in down markets, increase in strong years)
produce client-ready reports with methodology transparency for compliance review
Example Output
Example 1: Retirement Readiness Assessment
Client: Age 58, $1.2M portfolio, $45K annual spending, eligible for $28K/year Social Security at 70
Base Case (70% success rate):
- Claim Social Security at 70: $28,000/year (inflation-adjusted)
- Initial withdrawal: $48,000 from portfolio (4% + Social Security gap)
- Portfolio projected to age 95 with 78% probability
Stress Scenario (2008-style downturn in year 2):
- Portfolio drops 35%; spending reduces to $39,000
- Success probability: 62%
- Recommendation: Delay Social Security to 72 to reduce sequence risk
Example 2: Tax-Optimized Withdrawal Strategy
Client: $500K taxable, $800K traditional IRA, $300K Roth
Recommended annual sequence:
- Years 1-5: $15K taxable (long-term capital gains), $20K traditional IRA
- Years 6-15: $8K taxable, $30K traditional IRA, $7K Roth conversion
- Result: Effective tax rate 12% vs. 18% if withdrawn sequentially
Example 3: Scenario Comparison Matrix
| Scenario | Claim Age | Success Rate | Age 95 Balance | Max Spending |
|---|---|---|---|---|
| Aggressive | 62 | 68% | $120K | $62K/yr |
| Balanced | 70 | 78% | $385K | $68K/yr |
| Conservative | 74 | 87% | $520K | $64K/yr |
What's Included
- SKILL.md instruction file: complete methodology and decision framework
- Retirement projection template: structured data input form (age, assets, income sources, expenses)
- Scenario analysis framework: pre-built scenarios for Social Security timing, market stress tests, and withdrawal strategy comparison
- Tax-efficient withdrawal calculator: step-by-step logic for multi-account sequencing
- Client presentation checklist: items to include for regulatory compliance and client communication
Who It's For
- Financial advisors — create comprehensive retirement plans that differentiate your practice and stand up to client scrutiny
- Fee-only financial planners — generate defensible projections for retirement income planning engagements
- Wealth managers — conduct detailed retirement readiness assessments for clients 5-15 years from retirement
- Insurance professionals — model Social Security and pension strategies to position insurance solutions
- Estate planning attorneys — analyze retirement income adequacy as part of comprehensive wealth planning
Best For
- Retirement readiness assessments and comprehensive income projections
- Social Security claiming strategy optimization across multiple scenarios
- Tax-efficient withdrawal sequencing across account types
- Stress-testing portfolios against sequence-of-returns and longevity risk
- Scenario analysis for major retirement decisions (home downsizing, part-time work, long-term care planning)
- Client presentation materials demonstrating projected portfolio longevity
You might also like
You can analyze complex estate portfolios to quantify federal and state tax exposure, model the impact of different wealth transfer strategies, and generate specific, defensible recommendations tailored to your client's beneficiary structure and jurisdiction. The skill integrates tax code knowledge with valuation analysis to compare strategies like gifting, trusts (ILITs, GRATs, SLATs), charitable giving, and entity structuring—helping you optimize tax efficiency while maintaining alignment with the client's overall wealth plan.
Use Claude to conduct comprehensive business idea validation by synthesizing market research, simulating customer interviews, and building financial projections. The skill guides you through identifying target customers, validating problem-solution fit, analyzing competitive landscapes, and stress-testing your business model with multiple financial scenarios. You'll get actionable feedback on viability, key assumptions to test, and a prioritized roadmap of next steps.
You systematically test your business assumptions through guided market research, customer discovery interviews, and risk assessment. The skill helps you identify critical unknowns, prioritize what to validate first, and gather evidence to prove (or disprove) your core hypotheses before you commit capital or launch.
You can conduct comprehensive retirement income adequacy assessments that move beyond simple rule-of-thumb calculations. This skill helps you develop a complete picture of portfolio sustainability, identify critical income gaps, stress-test recommendations against realistic market scenarios, and communicate retirement security to clients with confidence. You'll analyze deterministic scenarios (best-case, worst-case, expected) and conceptually apply probabilistic methods to account for Social Security, pension income, required minimum distributions, tax implications, and major expense categories across multiple decades.
You conduct rigorous retirement income adequacy analyses that evaluate whether a client's projected retirement assets will sustain their desired lifestyle across realistic market conditions, inflation trajectories, and longevity scenarios. The skill structures three-pronged analysis: deterministic baseline scenarios, stochastic modeling with sequence-of-returns analysis, and contingency planning with decision triggers. You translate complex probability distributions into comprehensible client language while maintaining analytical rigor for compliance documentation and fiduciary defense.
by soniqo
You can analyze a client's complete account portfolio and generate specific asset location recommendations that minimize lifetime tax burden while maintaining desired asset allocation. The skill evaluates tax efficiency across account types, identifies which securities belong in tax-advantaged vs. taxable accounts, and calculates the after-tax impact of different placement scenarios. You'll produce actionable restructuring recommendations backed by quantified tax savings projections.
Conduct comprehensive portfolio reviews that analyze asset allocation, risk exposure, concentration risk, tax efficiency, and alignment with client goals. The framework integrates behavioral finance principles and life-stage considerations to identify rebalancing opportunities, tax-loss harvesting strategies, and strategic repositioning recommendations. You'll produce detailed analysis reports and conversation guides that justify advisory fees and strengthen client relationships.
You can systematically evaluate client financial profiles—including assets, liabilities, goals, time horizons, and risk tolerance—to generate customized allocation strategies across multiple asset classes. The skill stress-tests allocations against market downturns and life events, identifies tax optimization opportunities, and produces documented rationale suitable for compliance and client communication. You'll transform complex client situations into clear, actionable allocation frameworks that balance growth, income, preservation, and liquidity objectives.