| Assumption | Value |
|---|---|
| Plan age | 95 |
| Retirement age | 60 |
| Working years remaining | 18 (husband), 20 (wife) |
| Current portfolio | $3.29M liquid (excludes primary residence) |
| Annual savings | $95K retirement + $60K brokerage surplus |
| Pre-retirement spending | $300K/yr (after-tax) |
| Retirement spending | $250K/yr real (inflation-adjusted) |
| Rate of return | 6.6% return, 13.4% standard deviation |
| Social Security | Age 70 |
| Inflation | 3% |
| Simulations | 1,000 paths |