VTIstale
Roth IRA / Alex
Qty450.0Price$285.00Value$128,250.00Basis$94,500.00Gain$33,750.00Quotemanual
Total Net Worth
$1,994,740.00
As of 2026-05-29 · —
Investment Assets
$1,564,740.00
Primary Home Equity
$430,000.00
Rental Real Estate
$210,000.00
Crypto
$37,890.00
Overview
Tech / growth
1.68%
Tax-bill cash
$5,000.00
Options sleeve
$34,700.00
Investment Breakdown
Retirement Accounts (401k, IRA, Roth, HSA)$1,097,550.00
Taxable Brokerage$212,190.00
Crypto$37,890.00
Rental Real Estate Equity$210,000.00
529 / Education$45,000.00
Cash (within accounts above)$5,000.00
Options Sleeve (within retirement/taxable)$34,700.00
Total Investment Assets$1,564,740.00
Charts
Portfolio Performance
Loading…
Net Worth History
Asset Allocation
Balances by Account Type
Top 15 Holdings by Value
▶ Portfolio Alerts (8 items)
🔴
Cash is below the configured minimum share of financial assets.
Severity: action — ID: low_cash
⚠️
Tradier sleeve exceeds configured household allocation.
Severity: watch — ID: tradier_sleeve_allocation
ℹ️
Selling taxable IVV would realize an estimated gain.
Severity: info — ID: taxable_gain_if_sold_ivv
ℹ️
Selling taxable FTEC would realize an estimated gain.
Severity: info — ID: taxable_gain_if_sold_ftec
ℹ️
Selling taxable SPY_CALL_270115_580 would realize an estimated gain.
Severity: info — ID: taxable_gain_if_sold_spy_call_270115_580
ℹ️
Selling taxable SPY_BULL_PUT_SPREAD_700_710 would realize an estimated gain.
Severity: info — ID: taxable_gain_if_sold_spy_bull_put_spread_700_710
ℹ️
Selling taxable BTC would realize an estimated gain.
Severity: info — ID: taxable_gain_if_sold_btc
ℹ️
Selling taxable ETH would realize an estimated gain.
Severity: info — ID: taxable_gain_if_sold_eth
▶ Data Integrity / Reconciliation ✗ $-1,770.00
| Metric | Value |
|---|---|
| Data source | seed files |
| Active holdings total | $1,996,510.00 |
| Active accounts total | $1,994,740.00 |
| Active holdings/accounts difference | $-1,770.00 |
| Seed spreadsheet reference total | $2,550,894.00 |
| Seed spreadsheet comparison | False |
▶ Manual Action Queue (4 items)
| Severity | Account | Title | Impact | Tax Impact | Execution |
|---|---|---|---|---|---|
| action | Taxable Brokerage | Fund near-term liquidity before adding risk | Cash is 0.37% of financial assets. | Avoids forced taxable sales later. | manual |
| info | Self-directed 401k, HSA, current 401k | Use tax-advantaged accounts as the balancing sleeve | Can diversify without selling low-basis taxable holdings. | No taxable sale if executed inside tax-advantaged plans. | manual |
| info | Jordan accounts | Leave Jordan accounts alone unless a high-risk flag appears | Leave-alone assets total $423,300.00. | Avoids unnecessary manual coordination and taxable events. | manual |
| watch | Tradier Options Test Sleeve | Keep Tradier automation capped to the test sleeve | Options sleeve is $34,700.00. | No household-wide execution path is recommended. | manual |
Holdings
AVDVstale
Roth IRA / Alex
Qty200.0Price$108.00Value$21,600.00Basis$18,000.00Gain$3,600.00Quotemanual
VTIstale
Roth IRA / Jordan
Qty380.0Price$285.00Value$108,300.00Basis$79,800.00Gain$28,500.00Quotemanual
FXAIXstale
401k (Employer Plan) / Alex
Qty1800.0Price$261.00Value$469,800.00Basis$288,000.00Gain$181,800.00Quotemanual
VINIXstale
401k (Employer Plan) / Jordan
Qty2100.0Price$150.00Value$315,000.00Basis$210,000.00Gain$105,000.00Quotemanual
FSKAXstale
HSA / Alex
Qty300.0Price$182.00Value$54,600.00Basis$39,000.00Gain$15,600.00Quotemanual
IVVstale
Individual Brokerage / Alex
Qty150.0Price$758.00Value$113,700.00Basis$82,500.00Gain$31,200.00Quotemanual
FTECstale
Individual Brokerage / Alex
Qty80.0Price$284.00Value$22,720.00Basis$12,800.00Gain$9,920.00Quotemanual
SPY_CALL_270115_580stale
Individual Brokerage / Alex
Qty2.0Price$17,250.00Value$34,500.00Basis$28,000.00Gain$6,500.00Quotemanual
SPY_BULL_PUT_SPREAD_700_710stale
Individual Brokerage / Alex
Qty1.0Price$200.00Value$200.00Basis$0.00Gain$200.00Quotemanual
CASHstale
Individual Brokerage / Alex
Qty5000.0Price$1.00Value$5,000.00Basis$5,000.00Gain$0.00Quotemanual
BTCstale
Self-Custody Crypto / Alex
Qty0.45Price$73,000.00Value$32,850.00Basis$18,000.00Gain$14,850.00Quotemanual
ETHstale
Self-Custody Crypto / Alex
Qty2.1Price$2,400.00Value$5,040.00Basis$3,150.00Gain$1,890.00Quotemanual
PRIMARY_HOMEstale
Primary Residence / Alex
MoM $-1,319,637.00 (-75.4%)
Market Value: $850,000.00 | Mortgage: $420,000.00 | Equity: $430,000.00
Qty1.0Price$850,000.00Value$430,000.00Basis$480,000.00Gain$-50,000.00Quotemanual
RENTAL_PROPERTYstale
Rental Property / Alex
Market Value: $520,000.00 | Mortgage: $310,000.00 | Equity: $210,000.00
Qty1.0Price$520,000.00Value$210,000.00Basis$280,000.00Gain$-70,000.00Quotemanual
VTTSXstale
CollegeInvest CO 529 / Alex
Qty1450.0Price$31.00Value$44,950.00Basis$35,000.00Gain$9,950.00Quotemanual
| Ticker | Account | Owner | Qty | Manual price | Latest price | Manual value | Latest value | Cost basis | Unrealized gain | Quote source | Stale |
|---|---|---|---|---|---|---|---|---|---|---|---|
| VTI | Roth IRA | Alex | 450.0 | $0.00 | $285.00 | $0.00 | $128,250.00 | $94,500.00 | $33,750.00 | manual | stale |
| AVDV | Roth IRA | Alex | 200.0 | $0.00 | $108.00 | $0.00 | $21,600.00 | $18,000.00 | $3,600.00 | manual | stale |
| VTI | Roth IRA | Jordan | 380.0 | $0.00 | $285.00 | $0.00 | $108,300.00 | $79,800.00 | $28,500.00 | manual | stale |
| FXAIX | 401k (Employer Plan) | Alex | 1800.0 | $0.00 | $261.00 | $0.00 | $469,800.00 | $288,000.00 | $181,800.00 | manual | stale |
| VINIX | 401k (Employer Plan) | Jordan | 2100.0 | $0.00 | $150.00 | $0.00 | $315,000.00 | $210,000.00 | $105,000.00 | manual | stale |
| FSKAX | HSA | Alex | 300.0 | $0.00 | $182.00 | $0.00 | $54,600.00 | $39,000.00 | $15,600.00 | manual | stale |
| IVV | Individual Brokerage | Alex | 150.0 | $0.00 | $758.00 | $0.00 | $113,700.00 | $82,500.00 | $31,200.00 | manual | stale |
| FTEC | Individual Brokerage | Alex | 80.0 | $0.00 | $284.00 | $0.00 | $22,720.00 | $12,800.00 | $9,920.00 | manual | stale |
| SPY_CALL_270115_580 | Individual Brokerage | Alex | 2.0 | $0.00 | $17,250.00 | $0.00 | $34,500.00 | $28,000.00 | $6,500.00 | manual | stale |
| SPY_BULL_PUT_SPREAD_700_710 | Individual Brokerage | Alex | 1.0 | $0.00 | $200.00 | $0.00 | $200.00 | $0.00 | $200.00 | manual | stale |
| CASH | Individual Brokerage | Alex | 5000.0 | $0.00 | $1.00 | $0.00 | $5,000.00 | $5,000.00 | $0.00 | manual | stale |
| BTC | Self-Custody Crypto | Alex | 0.45 | $0.00 | $73,000.00 | $0.00 | $32,850.00 | $18,000.00 | $14,850.00 | manual | stale |
| ETH | Self-Custody Crypto | Alex | 2.1 | $0.00 | $2,400.00 | $0.00 | $5,040.00 | $3,150.00 | $1,890.00 | manual | stale |
| PRIMARY_HOME | Primary Residence | Alex | 1.0 | $0.00 | $850,000.00 | $430,000.00 | $430,000.00 | $480,000.00 | $-50,000.00 | manual | stale |
| RENTAL_PROPERTY | Rental Property | Alex | 1.0 | $0.00 | $520,000.00 | $210,000.00 | $210,000.00 | $280,000.00 | $-70,000.00 | manual | stale |
| VTTSX | CollegeInvest CO 529 | Alex | 1450.0 | $0.00 | $31.00 | $0.00 | $44,950.00 | $35,000.00 | $9,950.00 | manual | stale |
Account Map (10 accounts)
| Account | Owner | Type | Custodian | Value | Tax | Automation | Rebalance | Notes |
|---|---|---|---|---|---|---|---|---|
| Roth IRA | Alex | roth_ira | Fidelity | $149,850.00 | tax_free | read_only | no | Alex Roth IRA |
| Roth IRA | Jordan | roth_ira | Vanguard | $108,300.00 | tax_free | read_only | no | Jordan Roth IRA |
| 401k (Employer Plan) | Alex | employer_401k | Fidelity | $469,800.00 | tax_deferred | read_only | no | Alex employer 401k |
| 401k (Employer Plan) | Jordan | employer_401k | Vanguard | $315,000.00 | tax_deferred | read_only | no | Jordan employer 401k |
| HSA | Alex | hsa | Fidelity | $54,600.00 | tax_free | read_only | no | Family HSA |
| Individual Brokerage | Alex | individual_taxable | Schwab | $174,300.00 | taxable | read_only | no | Joint taxable brokerage |
| Self-Custody Crypto | Alex | individual_taxable | Self-Custody | $37,890.00 | taxable | read_only | no | BTC and ETH self-custody |
| Primary Residence | Alex | real_estate | Real Estate | $430,000.00 | taxable | read_only | no | Primary home — market $850k, mortgage $420k |
| Rental Property | Alex | real_estate | Real Estate | $210,000.00 | taxable | read_only | no | Rental property — market $520k, mortgage $310k |
| CollegeInvest CO 529 | Alex | 529 | CollegeInvest | $45,000.00 | education_tax_advantaged | read_only | no | 529 — college starting 2029 |
Allocation by Exposure Group
| Exposure group | Value |
|---|---|
| 529 | $44,950.00 |
| BTC | $32,850.00 |
| S&P 500 | $898,500.00 |
| broad market | $291,150.00 |
| cash | $5,000.00 |
| crypto | $5,040.00 |
| international | $21,600.00 |
| options sleeve | $34,700.00 |
| primary residence | $430,000.00 |
| rental real estate | $210,000.00 |
| tech | $22,720.00 |
Taxable Holdings
| Ticker | Value | Cost basis | Unrealized gain | Gain % | Sell guidance |
|---|---|---|---|---|---|
| IVV | $113,700.00 | $82,500.00 | $31,200.00 | 37.82% | candidate_if_high_basis_lots_available |
| FTEC | $22,720.00 | $12,800.00 | $9,920.00 | 77.50% | taxable_gain_if_sold |
| SPY_CALL_270115_580 | $34,500.00 | $28,000.00 | $6,500.00 | 23.21% | taxable_gain_if_sold |
| SPY_BULL_PUT_SPREAD_700_710 | $200.00 | $0.00 | $200.00 | 0.00% | neutral |
| CASH | $5,000.00 | $5,000.00 | $0.00 | 0.00% | neutral |
| BTC | $32,850.00 | $18,000.00 | $14,850.00 | 82.50% | taxable_gain_if_sold |
| ETH | $5,040.00 | $3,150.00 | $1,890.00 | 60.00% | taxable_gain_if_sold |
| PRIMARY_HOME | $430,000.00 | $480,000.00 | $-50,000.00 | -10.42% | neutral |
| RENTAL_PROPERTY | $210,000.00 | $280,000.00 | $-70,000.00 | -25.00% | neutral |
Liquidity — $15,000 Tax Bill
Use available taxable cash first. Avoid selling FTEC because the embedded gain is large. If a taxable sale is needed, prefer IVV high-basis lots; this seed estimate uses average basis because lot-level data is not available. Margin can be reasonable only as a short bridge if paid down quickly; at 6 to 12 months the hurdle rate is high. Confirm final tax treatment with a CPA.
Default cash: $5,000.00
| Rank | Option | Cash used | Securities sold | Realized gain | Tax cost | Margin interest | Total cost |
|---|---|---|---|---|---|---|---|
| 1 | Default funding: cash plus IVV sale | $5,000.00 | IVV $10,000.00 | $2,744.06 | $771.08 | $0.00 | $771.08 |
| 2 | Sell IVV option | $0.00 | IVV $15,000.00 | $4,116.09 | $1,156.62 | $0.00 | $1,156.62 |
| 3 | Hybrid option | $5,000.00 | IVV $10,000.00 | $2,744.06 | $771.08 | $0.00 | $771.08 |
| 4 | Margin bridge, expensive if carried | $0.00 | None | $0.00 | $0.00 | $1,773.75 | $1,773.75 |
| 5 | Sell FTEC option | $0.00 | FTEC $15,000.00 | $6,549.30 | $1,840.35 | $0.00 | $1,840.35 |
Excluded Sources
| Account | Source | Value | Reason excluded |
|---|
Unmapped Holdings
| Ticker | Name | Value |
|---|
Planning
Alex Age → Retire
48 → 62 (14 yrs)
Jordan Age → Retire
45 → 59 (14 yrs)
Current Investment Assets
$1,519,740.00
4% Rule Target
$3,000,000.00 ($120,000.00/yr)
Current Withdrawal Rate
7.90%
Projected Portfolio at Retirement (14 yr, 1,000-path Monte Carlo) Fixed Rate (7%) — σ=15.7% historical volatility
Constant 7%/yr — conservative long-run average, σ=15.7%
10th pct
$2,745,732.63
50th pct (median)
$5,075,885.99
90th pct
$9,086,197.59
Target needed
$3,000,000.00
On track — fixed 7% median path vs 4% rule target — Based on 1,000 simulated market paths using historical S&P 500 volatility (σ=15.7%)
Assumptions
Ages & Retirement
Alex retire age62
Jordan retire age59
Current year2026
Spending & Inflation
Annual spending$120,000.00
Healthcare$12,000.00
Inflation3.00%
Returns & Buffer
General return7.00%
Cash buffer$40,000.00
Contributions
401k contribution (Alex $23,000 + Jordan $23,000)$46,000.00
Employer match$14,500.00
HSA contribution$8,300.00
Roth contribution$0.00
Taxable contribution$12,000.00
529 contribution$5,000.00
Annual increase0.00%
Planned Large Expenses
College — Sam
2029–2032 · 529 / Education Account$40,000.00/yr
$160,000.00 total
2029–2032 · 529 / Education Account$40,000.00/yr
$160,000.00 total
Kitchen & Master Bath Remodel
2027–2027 · Taxable Brokerage$65,000.00/yr
$65,000.00 total
2027–2027 · Taxable Brokerage$65,000.00/yr
$65,000.00 total
Total impact~$225,000.00
2027–2032
2027–2032
From 529 / Education Account$160,000.00
From Taxable Brokerage$65,000.00
529 Balance: $45,000.00 today → $69,513.72 when college starts (2029) → $0.00 after college (2032)
Employer Benefits (4 items)
| Type | Owner | Start | End | Annual $ | Taxable as | Confidence | Notes |
|---|---|---|---|---|---|---|---|
| pension | mike | 2018 | 2027 | $24,720.00 | ordinary_income | actual | Stater Bros. DB pension. $2,060/mo as of 9/30/2025. Accrues ~$3,200/yr. Normal retirement age 65 (2041). Early retirement age 55 (2031). Exits 2036. |
| phantom_stock | mike | 2022 | 2032 | $0.00 | ordinary_income | actual | $141,000 as of 2026, grows 8%/yr. 25% vests each year 2028-2031 on grown value. Ordinary income at vest. |
| profit_sharing | mike | 2018 | 2027 | $2,600.00 | ordinary_income | actual | Stater Bros. profit sharing. Balance $40,176 as of 9/30/2025. $160,785 projected at 65 (5%/yr + contributions). $1,067/mo annuity at 65. |
| bonus | mike | 2026 | 2036 | $45,000.00 | ordinary_income | actual |
Retirement Income Sources
Social Security — Alex$33,600.00/yr (age 67)
Social Security — Jordan$26,400.00/yr (age 67)
Pension (Stater Bros.) — Alex
Exit 2036: $24,720.00/yr full → $24,720.00/yr at age 65 (100%). Starts 2041.Lump sum ~$449,455.00 in 2041
Exit 2036: $24,720.00/yr full → $24,720.00/yr at age 65 (100%). Starts 2041.Lump sum ~$449,455.00 in 2041
Profit Sharing (Stater Bros.) — Alex
$83,523.02 projected at payout. Starts 2041.Lump sum $83,523.02 in 2041
$83,523.02 projected at payout. Starts 2041.Lump sum $83,523.02 in 2041
⚠ Gap years 2040–2051
No employer income — consider Roth conversions
Rental Income$14,400.00/yr
Total Passive Income (at full benefit)$74,400.00/yr
Est. spending at retirement (inflation-adj.)$181,510.77/yr
Est. Portfolio Withdrawal Needed$107,110.77/yr
Pension/profit sharing distributions are ordinary income. Lump sum before 59½: 20% withholding + 10% penalty; after 59½: 20% withholding (consider IRA rollover). Gap years 2040–2051: no employer income — prime Roth conversion window. Benefits feeding planning engine: 4 items via employer_benefits_active.json → planning_engine.py.
43-Year Projection (base case, to age 95)
Retirement Year
2040
Ages at Retirement
Alex 62 · Jordan 59
Years to Retirement
14 yrs
Est. Passive Income
$74,400.00/yr
Retirement Spending Target
$150,000.00/yr
Portfolio Gap Needed (4% rule)
$1,890,000.00
Projected Portfolio at Retire
$8,966,944.16
Surplus / Deficit
$7,076,944.16
Passive income = SS ($60,000.00/yr) + pension annuity ($0.00/yr) + profit sharing ($0.00/yr) + rental ($14,400.00/yr). Gap years 2040–2051: no pension/PS income — prime Roth conversion window. Portfolio gap = retirement spending − passive income; 4% rule implies 25× gap needed.
Current Portfolio: $1,519,740.00 (as of today)
Values shown below are projected end-of-year portfolio balances, not current values.
S&P 500 Equivalent Comparison at Retirement
Financial assets only (excl. primary residence) $1,519,740.00 — S&P 500 Shadow (contributions matched, SPY YTD +24.9% 2026 then 7.00%/yr): $6,391,141.55 at retirement
Your projected portfolio at retirement: $8,966,944.16
Your strategy outperforms S&P 500 equivalent by $2,575,802.61 (40.3%)
S&P 500 line on chart: S&P 500 Shadow (contributions matched, SPY YTD +24.9% 2026 then 7.00%/yr).
Portfolio Projection vs S&P 500 Equivalent
— S&P 500 Shadow (contributions matched, SPY YTD +24.9% 2026 then 7.00%/yr)
■ Net Worth
■ Financial Assets
─ ─ S&P 500 Shadow Portfolio (contributions matched)
Market Growth Contribution (7.00%/yr return assumption)
Avg pre-retirement: $302,398.14/yr
Avg post-retirement: $1,139,984.91/yr (lower due to drawdown)
| Year (End of Year, Projected) | Ages | Phase | Income | Benefits/Vest | Roth Conv. | RMD | Withdrawal | Large Expenses | Spending | Mkt Growth | Portfolio | Roth Bal | Trad Bal | Taxable Bal | HSA Bal | From |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 48/45 | Pre | $339,400.00 | — | — | — | — | — | $132,000.00 | $136,481.80 | $2,905,630.80 | $276,220.50 | $900,236.00 | $877,951.00 | $66,722.00 | — |
| 2027 | 49/46 | Pre | $349,438.00 | — | — | — | — | $65,000.00 | $135,960.00 | $154,233.16 | $3,130,730.76 | $295,555.93 | $1,023,752.52 | $886,407.57 | $79,692.54 | — |
| 2028 | 50/47 | Pre | $359,774.26 | $211,280.40 | — | — | — | — | $140,038.80 | $168,736.73 | $3,591,974.23 | $316,244.85 | $1,155,915.20 | $960,456.10 | $93,571.02 | — |
| 2029 | 51/48 | Pre | $370,417.67 | $47,754.36 | — | — | — | $40,000.00 | $144,239.96 | $199,725.84 | $3,914,382.33 | $338,381.99 | $1,297,329.26 | $1,039,688.03 | $108,420.99 | — |
| 2030 | 52/49 | Pre | $381,377.39 | $48,709.45 | — | — | — | $40,000.00 | $148,567.16 | $223,749.76 | $4,257,783.19 | $362,068.73 | $1,448,642.31 | $1,124,466.19 | $124,310.46 | — |
| 2031 | 53/50 | Pre | $392,662.84 | $49,683.64 | — | — | — | $40,000.00 | $181,658.23 | $249,362.11 | $4,623,470.06 | $387,413.54 | $1,610,547.27 | $1,215,178.82 | $141,312.19 | — |
| 2032 | 54/51 | Pre | $404,283.74 | $50,677.31 | — | — | — | $40,000.00 | $192,614.90 | $274,656.65 | $5,014,540.59 | $414,532.49 | $1,783,785.58 | $1,312,241.34 | $159,504.04 | — |
| 2033 | 55/52 | Pre | $416,250.08 | $51,690.86 | — | — | — | — | $162,343.35 | $301,296.79 | $5,472,951.79 | $443,549.76 | $1,969,150.57 | $1,416,098.23 | $178,969.33 | — |
| 2034 | 56/53 | Pre | $428,572.17 | $52,724.67 | — | — | — | — | $167,213.65 | $332,289.76 | $5,960,706.55 | $474,598.25 | $2,167,491.11 | $1,527,225.11 | $199,797.18 | — |
| 2035 | 57/54 | Pre | $441,260.62 | $53,779.17 | — | — | — | — | $172,230.06 | $365,304.59 | $6,479,639.24 | $507,820.12 | $2,379,715.49 | $1,646,130.87 | $222,082.98 | — |
| 2036 | 58/55 | Pre | $454,326.34 | $54,854.75 | — | — | — | — | $177,396.96 | $400,468.26 | $7,031,706.59 | $543,367.53 | $2,606,795.57 | $1,773,360.03 | $245,928.79 | — |
| 2037 | 59/56 | Pre | $467,780.60 | — | — | — | — | — | $182,718.87 | $437,916.23 | $7,577,871.48 | $581,403.26 | $2,849,771.26 | $1,909,495.23 | $271,443.81 | — |
| 2038 | 60/57 | Pre | $481,634.97 | — | — | — | — | — | $188,200.44 | $474,914.33 | $8,160,663.25 | $622,101.49 | $3,109,755.25 | $2,055,159.90 | $298,744.87 | — |
| 2039 | 61/58 | Pre | $495,901.39 | — | — | — | — | — | $193,846.45 | $514,437.92 | $8,782,441.95 | $665,648.59 | $3,387,938.12 | $2,211,021.09 | $327,957.01 | — |
| ● Retirement — Alex age 62, year 2040 ● | ||||||||||||||||
| 2040 | 62/59 | Conv. | $19,000.49 | — | $300,000.00 tax $58,731.45 (19.6%) | — | $244,427.93 | — | $199,661.84 | $556,650.44 | $8,966,944.16 | $1,012,243.99 | $3,325,093.78 | $2,365,792.57 | $350,914.00 | Cash |
| 2041 | 63/60 | Conv. | $19,380.50 | — | $300,000.00 tax $58,066.60 (19.4%) | — | $249,473.62 | — | $205,651.70 | $568,211.58 | $9,180,476.29 | $1,383,101.07 | $3,257,850.35 | $2,531,398.04 | $375,477.99 | Cash |
| 2042 | 64/61 | Conv. | $19,768.11 | — | $300,000.00 tax $57,380.96 (19.1%) | — | $254,672.65 | — | $211,821.25 | $581,760.83 | $9,425,230.29 | $1,779,918.15 | $3,185,899.87 | $2,708,595.91 | $401,761.44 | Cash |
| 2043 | 65/62 | Conv. | $20,163.48 | — | $300,000.00 tax $56,673.90 (18.9%) | — | $260,029.63 | — | $218,175.89 | $597,449.53 | $9,703,556.39 | $2,204,512.42 | $3,108,912.87 | $2,880,624.51 | $429,884.75 | Mixed |
| 2044 | 66/63 | Conv. | $20,566.75 | — | $300,000.00 tax $55,944.75 (18.6%) | — | $265,549.36 | — | $224,721.16 | $615,440.01 | $10,032,689.01 | $2,658,828.29 | $3,026,536.77 | $2,816,718.87 | $459,976.68 | Taxable |
| 2045 | 67/64 | Conv. | $69,926.94 | — | $300,000.00 tax $64,229.42 (21.4%) | — | $244,295.92 | — | $231,462.80 | $636,936.36 | $10,448,129.15 | $3,144,946.27 | $2,938,394.34 | $2,769,593.26 | $492,175.04 | Taxable |
| 2046 | 68/65 | Conv. | $71,325.48 | — | $300,000.00 tax $63,687.39 (21.2%) | — | $249,669.85 | — | $238,406.68 | $664,421.19 | $10,886,474.94 | $3,665,092.50 | $2,844,081.94 | $2,713,794.95 | $526,627.30 | Taxable |
| 2047 | 69/66 | Conv. | $72,751.98 | — | $300,000.00 tax $63,127.42 (21.0%) | — | $255,213.60 | — | $245,558.88 | $693,453.78 | $11,349,143.40 | $4,221,648.98 | $2,743,167.68 | $2,648,546.99 | $563,491.21 | Taxable |
| 2048 | 70/67 | Conv. | $115,020.89 | — | $300,000.00 tax $67,184.92 (22.4%) | — | $235,570.22 | — | $252,925.65 | $724,130.59 | $11,863,007.17 | $4,817,164.41 | $2,635,189.42 | $2,598,375.06 | $602,935.59 | Taxable |
| 2049 | 71/68 | Conv. | $117,321.31 | — | $300,000.00 tax $66,700.45 (22.2%) | — | $240,982.71 | — | $260,513.42 | $758,329.82 | $12,406,576.46 | $5,454,365.92 | $2,519,652.68 | $2,539,278.60 | $645,141.08 | Taxable |
| 2050 | 72/69 | Conv. | $119,667.73 | — | $300,000.00 tax $66,199.14 (22.1%) | — | $246,572.18 | — | $268,328.82 | $794,544.12 | $12,981,735.49 | $6,136,171.53 | $2,396,028.36 | $2,470,455.92 | $690,300.96 | Taxable |
| 2051 | 73/70 | RMD | $218,806.39 | — | $264,961.00 tax $66,069.65 (24.9%) | $96,745.30 | $181,625.64 | — | $276,378.69 | $832,902.15 | $13,595,143.12 | $6,830,664.54 | $2,202,044.05 | $2,461,762.19 | $738,622.03 | RMD+Mix |
| 2052 | 74/71 | RMD | $216,901.81 | — | — | $92,399.50 | $125,247.22 | — | $284,670.05 | $873,866.63 | $14,370,881.25 | $7,308,811.06 | $2,263,787.63 | $2,591,913.48 | $790,325.57 | RMD+Mix |
| 2053 | 75/72 | RMD | $225,457.91 | — | — | $98,465.56 | $127,498.58 | — | $293,210.15 | $926,119.68 | $15,197,088.11 | $7,820,427.83 | $2,323,787.21 | $2,744,314.40 | $845,648.36 | RMD+Mix |
| 2054 | 76/73 | RMD | $234,445.80 | — | — | $104,913.60 | $129,688.79 | — | $302,006.45 | $981,827.16 | $16,077,989.63 | $8,367,857.78 | $2,381,538.71 | $2,911,641.21 | $904,843.75 | RMD+Mix |
| 2055 | 77/74 | RMD | $243,399.98 | — | — | $111,277.14 | $132,167.66 | — | $311,066.65 | $1,041,280.85 | $17,017,104.31 | $8,953,607.82 | $2,436,969.28 | $3,094,565.58 | $968,182.81 | RMD+Mix |
| 2056 | 78/75 | RMD | $253,290.62 | — | — | $118,525.32 | $134,230.03 | — | $320,398.65 | $1,104,722.77 | $18,018,901.36 | $9,580,360.37 | $2,489,031.81 | $3,295,480.45 | $1,035,955.60 | RMD+Mix |
| 2057 | 79/76 | RMD | $263,681.65 | — | — | $126,221.04 | $136,204.60 | — | $330,010.61 | $1,172,461.26 | $19,087,833.35 | $10,250,985.60 | $2,537,043.00 | $3,516,180.53 | $1,108,472.50 | RMD+Mix |
| 2058 | 80/77 | RMD | $274,597.74 | — | — | $134,387.92 | $138,081.58 | — | $339,910.92 | $1,244,803.23 | $20,228,673.46 | $10,968,554.59 | $2,580,248.09 | $3,758,619.50 | $1,186,065.57 | RMD+Mix |
| 2059 | 81/78 | RMD | $285,326.67 | — | — | $142,312.65 | $140,393.16 | — | $350,108.25 | $1,322,077.74 | $21,445,995.96 | $11,736,353.41 | $2,618,552.80 | $4,021,722.86 | $1,269,090.16 | RMD+Mix |
| 2060 | 82/79 | RMD | $297,325.73 | — | — | $151,451.43 | $142,077.09 | — | $360,611.50 | $1,404,599.66 | $22,745,622.26 | $12,557,898.15 | $2,650,400.07 | $4,303,243.46 | $1,357,926.47 | RMD+Mix |
| 2061 | 83/80 | RMD | $309,013.71 | — | — | $160,221.93 | $144,304.76 | — | $371,429.84 | $1,492,770.84 | $24,132,221.46 | $13,436,951.02 | $2,675,706.14 | $4,604,470.51 | $1,452,981.33 | RMD+Mix |
| 2062 | 84/81 | RMD | $322,184.62 | — | — | $170,417.00 | $145,767.04 | — | $382,572.74 | $1,586,912.12 | $25,612,161.45 | $14,377,537.59 | $2,692,588.57 | $4,926,783.44 | $1,554,690.02 | RMD+Mix |
| 2063 | 85/82 | RMD | $334,869.83 | — | — | $180,066.86 | $147,920.60 | — | $394,049.92 | $1,687,462.94 | $27,190,644.84 | $15,383,965.22 | $2,701,002.91 | $5,271,658.28 | $1,663,518.32 | RMD+Mix |
| 2064 | 86/83 | RMD | $348,035.42 | — | — | $190,136.39 | $150,065.39 | — | $405,871.42 | $1,794,780.79 | $28,874,023.90 | $16,460,842.79 | $2,699,936.73 | $5,640,674.36 | $1,779,964.60 | RMD+Mix |
| 2065 | 87/84 | RMD | $361,677.31 | — | — | $200,620.30 | $152,214.74 | — | $418,047.56 | $1,909,303.23 | $30,669,051.07 | $17,613,101.78 | $2,688,312.00 | $6,035,521.57 | $1,904,562.12 | RMD+Mix |
| 2066 | 88/85 | RMD | $374,241.20 | — | — | $209,963.05 | $155,521.71 | — | $430,588.99 | $2,031,495.44 | $32,581,768.46 | $18,846,018.91 | $2,666,530.79 | $6,458,008.08 | $2,037,881.47 | RMD+Mix |
| 2067 | 89/86 | RMD | $356,309.39 | — | — | $221,177.36 | $181,619.26 | — | $443,506.66 | $2,161,772.43 | $34,597,167.80 | $20,165,240.23 | $2,632,010.58 | $6,910,068.64 | $2,180,533.18 | RMD+Mix |
| 2068 | 90/87 | RMD | $368,674.94 | — | — | $230,840.27 | $185,835.78 | — | $456,811.86 | $2,299,075.22 | $36,745,324.78 | $21,576,807.05 | $2,585,411.06 | $7,393,773.45 | $2,333,170.50 | RMD+Mix |
Account Balances by Type
— projected year-by-year (withdrawal order: taxable → traditional → Roth)
■ Roth IRA
■ Traditional/401k
■ Taxable
■ HSA
■ 529
■ Crypto
■ Real Estate Equity
Legacy / Estate — Balances at Retirement (Age 62) and Age 85
| Account Bucket | At Retirement (age 62) | At Age 85 | Heir Tax Treatment |
|---|---|---|---|
| Roth IRA | $1,012,243.99 | $15,383,965.22 | Passes tax-free to heirs — no RMDs, no income tax |
| Traditional / 401k | $3,325,093.78 | $2,701,002.91 | Heirs pay ordinary income on withdrawals within 10 yrs |
| Taxable Brokerage | $2,365,792.57 | $5,271,658.28 | Step-up in basis at death — heirs owe no cap-gains on pre-death appreciation |
| HSA | $350,914.00 | $1,663,518.32 | Triple tax-free for medical; ordinary income for non-medical after 65 |
| 529 / Education | $49,487.34 | $424,008.39 | Can be transferred or rolled to Roth IRA (SECURE 2.0, up to $35k lifetime) |
| Crypto | $104,539.71 | $495,573.59 | Speculative — step-up basis at death applies like other taxable assets |
| Real Estate Equity | $800,148.52 | $1,126,910.90 | Rental equity — step-up basis at death |
| Total | $8,008,219.91 | $27,066,637.61 |
Withdrawal order: (1) RMDs from traditional/401k at age 73+ • (2) Taxable brokerage • (3) Traditional/401k to fill lower brackets • (4) Roth last (preserve tax-free growth).
Withdrawal Sequence in Retirement
Each year, portfolio need = target spending − guaranteed income. Withdrawn in this order:
- Guaranteed income (SS + pension + rental): $74,400.00/yr — SS $60,000.00/yr • pension $0.00/yr • rental $14,400.00/yr
- RMDs from Traditional (starting age 73): est. $96,745.30/yr — mandatory; excess reinvested in taxable
- Taxable brokerage — lowest capital-gains tax; step-up at death
- Roth conversions (years 2040–2051): ~$324,087.36/yr — converts Trad→Roth at 22% bracket to reduce future RMDs
- Additional Traditional / 401k — fills lower brackets; triggers ordinary income
- HSA — medical expenses only; triple tax-free
- Roth IRA — last resort; preserving for heirs (no RMDs, tax-free inheritance)
Estimated Roth balance at age 85: $15,383,965.22
— passes tax-free to heirs
Scenario Comparison
| Scenario | Ending net worth | Lowest liquid | First shortfall | Total taxes | Status |
|---|---|---|---|---|---|
| base_case | $32,301,009.61 | $0.00 | 2031 | $3,158,144.54 | review_needed |
| retire_early | $26,220,112.98 | $0.00 | 2030 | $2,864,925.42 | review_needed |
| work_longer | $82,410,514.25 | $1,541,699.10 | 2040 | $8,343,259.47 | review_needed |
| conservative_returns | $2,231,803.86 | $0.00 | 2031 | $2,564,109.19 | review_needed |
| bear_market_first | $2,767,201.00 | $0.00 | 2031 | $2,511,763.09 | review_needed |
| high_inflation | $5,709,330.17 | $0.00 | 2032 | $2,977,587.56 | review_needed |
| sell_bryant_rental | $33,959,346.37 | $0.00 | 2032 | $2,938,401.00 | review_needed |
| keep_bryant_rental | $32,301,009.61 | $0.00 | 2031 | $3,158,144.54 | review_needed |
| phantom_stock_low | $31,346,494.23 | $0.00 | 2031 | $3,127,363.25 | review_needed |
| phantom_stock_high | $33,481,645.23 | $0.00 | 2031 | $3,195,014.45 | review_needed |
| roth_conversion_strategy | $32,301,009.61 | $0.00 | 2031 | $3,158,144.54 | review_needed |
Withdrawal Order
| Year | Withdrawals | Est. tax | Roth conv. | Reason codes | Warnings |
|---|---|---|---|---|---|
| 2040 | {'cash': 244427.93} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2041 | {'cash': 249473.62} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2042 | {'cash': 254672.65} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2043 | {'cash': 242456.52, 'taxable': 17573.11} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2044 | {'taxable': 265549.36} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2045 | {'taxable': 244295.92} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2046 | {'taxable': 249669.85} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2047 | {'taxable': 255213.6} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2048 | {'taxable': 235570.22} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2049 | {'taxable': 240982.71} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2050 | {'taxable': 246572.18} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2051 | {'taxable': 181625.64} | $0.00 | $0.00 | preserve_hsa, use_high_basis_taxable | |
| 2052 | {'cash': 83075.15, 'taxable': 42172.07} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2053 | {'cash': 98465.56, 'taxable': 29033.02} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2054 | {'cash': 104913.6, 'taxable': 24775.19} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2055 | {'cash': 111277.14, 'taxable': 20890.52} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2056 | {'cash': 118525.32, 'taxable': 15704.71} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2057 | {'cash': 126221.04, 'taxable': 9983.56} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2058 | {'cash': 134387.92, 'taxable': 3693.66} | $0.00 | $0.00 | preserve_hsa, use_excess_cash, use_high_basis_taxable | |
| 2059 | {'cash': 140393.16} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2060 | {'cash': 142077.09} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2061 | {'cash': 144304.76} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2062 | {'cash': 145767.04} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2063 | {'cash': 147920.6} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2064 | {'cash': 150065.39} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2065 | {'cash': 152214.74} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2066 | {'cash': 155521.71} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2067 | {'cash': 181619.26} | $0.00 | $0.00 | preserve_hsa, use_excess_cash | |
| 2068 | {'cash': 185835.78} | $0.00 | $0.00 | preserve_hsa, use_excess_cash |
Tax Strategy — Roth Conversion Plan
22% Bracket Maximizer (MFJ) — Active
Gross income ceiling: $231,050/yr ($201,050 taxable + $30,000 std deduction), inflation-adjusted each year.
Converts ~$324,087.36/yr • Total converted: $3,564,961.00 • Tax cost: $743,996.05
Tax-deferred balance today: $900,236.00 • Est. heir tax savings vs 37% bracket: $814,756.30
Tax on conversion uses stacked MFJ brackets (10%→12%→22%). Bracket thresholds and standard deduction are parameterized in Planning Assumptions.
Roth Conversion Opportunity
You have an estimated 11-year window (2040–2051) before pension and Social Security begin. Converting ~$324,087.36/yr from Traditional to Roth at 22% marginal rate (total ~$3,564,961.00, tax cost ~$743,996.05) could reduce future RMDs and avoid higher brackets when pension + SS start in 2041.
Enable and configure in Planning Assumptions → Roth Conversion Strategy below.
| Year | Age | Taxable Income | Bracket | Roth Conv. | Tax Cost | Eff. Rate | Trad. Balance | Roth Balance |
|---|---|---|---|---|---|---|---|---|
| 2040 | 62 | $19,000.49 | 10% | $300,000.00 | $58,731.45 | 19.58% | $3,325,093.78 | $1,012,243.99 |
| 2041 | 63 | $19,380.50 | 10% | $300,000.00 | $58,066.60 | 19.36% | $3,257,850.35 | $1,383,101.07 |
| 2042 | 64 | $19,768.11 | 10% | $300,000.00 | $57,380.96 | 19.13% | $3,185,899.87 | $1,779,918.15 |
| 2043 | 65 | $20,163.48 | 10% | $300,000.00 | $56,673.90 | 18.89% | $3,108,912.87 | $2,204,512.42 |
| 2044 | 66 | $20,566.75 | 10% | $300,000.00 | $55,944.75 | 18.65% | $3,026,536.77 | $2,658,828.29 |
| 2045 | 67 | $69,926.94 | 12% | $300,000.00 | $64,229.42 | 21.41% | $2,938,394.34 | $3,144,946.27 |
| 2046 | 68 | $71,325.48 | 12% | $300,000.00 | $63,687.39 | 21.23% | $2,844,081.94 | $3,665,092.50 |
| 2047 | 69 | $72,751.98 | 12% | $300,000.00 | $63,127.42 | 21.04% | $2,743,167.68 | $4,221,648.98 |
| 2048 | 70 | $115,020.89 | 12% | $300,000.00 | $67,184.92 | 22.39% | $2,635,189.42 | $4,817,164.41 |
| 2049 | 71 | $117,321.31 | 12% | $300,000.00 | $66,700.45 | 22.23% | $2,519,652.68 | $5,454,365.92 |
| 2050 | 72 | $119,667.73 | 12% | $300,000.00 | $66,199.14 | 22.07% | $2,396,028.36 | $6,136,171.53 |
| 2051 | 73 | $218,806.39 | 22% | $264,961.00 | $66,069.65 | 24.94% | $2,202,044.05 | $6,830,664.54 |
Total conversion: $3,564,961.00 • Total tax cost: $743,996.05 • Strategy: 22% Bracket Maximizer (MFJ)
Placeholder Warnings (0 items)
| Field | Warning |
|---|
Employer Benefits
Benefits flow into the planning projection and withdrawal order. No broker calls.
pension — mike
2018–2027
$24,720.00/yr
Current benefit$0.00/yr ($0.00/mo)Accrual rate+$0.00/yrEmployer exit—Projected at exit$0.00/yr (full at 65)Payment startAge 65 — Year —Reduction factor100.0% (full)Adjusted benefit$0.00/yr ($0.00/mo)Payout type—
phantom_stock — mike
2022–2032
$141,000.00
5-yr cliff vest2028Growth rate8.00%/yrTotal value$141,000.00
profit_sharing — mike
2018–2027
$2,600.00/yr
Current balance$0.00Growth rate5.00%/yrEmployer exit—Projected at 65$0.00Annual annuity at 65$0.00/yr ($0.00/mo)Payout year—Payout type—
bonus — mike
2026–2036
$45,000.00/yr
Pension Formula Reference
DB Pension: 0.75% × min(earnings, SS wage base) + 2.15% × max(0, earnings − SS wage base) × years of service
2025 SS wage base = $176,100.
Early retirement: Typically 5–7% reduction per year before normal retirement age. Verify with your plan document.
Lump sum: 20% mandatory federal withholding if not rolled over. Additional 10% penalty if before age 59½ (waived if rolled into IRA/qualified plan within 60 days).
Phantom stock (5-yr cliff): All units vest on the 5th anniversary of issue. Value = shares × price at vest. Unvested units forfeit at separation; value freezes.
Social Security delayed credits: Claiming before FRA (67) reduces ~6.67%/yr. Claiming after FRA earns 8%/yr up to age 70.
Benefit Calculators
Social Security Estimator
Pension Formula Estimator
Setup / Import
This area saves local JSON/CSV data only. No broker calls. No order placement. No trading.
Data Sources
| Data | Mode | Path |
|---|---|---|
| accounts | seed fallback | /Users/mike/smart-home/appdaemon/apps/volatility_edge/demo_data/demo_accounts.json |
| holdings | seed fallback | /Users/mike/smart-home/appdaemon/apps/volatility_edge/demo_data/demo_holdings.json |
| planning path | active/workfile | /Users/mike/smart-home/appdaemon/apps/volatility_edge/demo_data/demo_planning.json |
| planning employer_benefits_path | active/workfile | /Users/mike/smart-home/appdaemon/apps/volatility_edge/data/employer_benefits.active.json |
| Resource | Endpoint |
|---|---|
| Positions template | /api/setup/positions-template |
| Employer benefits template | /api/setup/employer-benefits-template |
| Active holdings JSON | /api/setup/holdings-active |
| Active accounts JSON | /api/setup/accounts-active |
| Planning assumptions JSON | /api/planning/assumptions |
| Planning scenarios JSON | /api/planning/scenarios |
Positions Editor
Load, edit, or add positions. Save All writes to active holdings and refreshes the dashboard. No broker calls.
Click "Load from Active" to load current positions.
Paste Positions CSV
Paste CSV matching the positions template. Default mode is Merge — new rows are added, matched rows (by ticker + account) are updated, and all other existing holdings are preserved.
Employer Benefits Editor
Load, edit, or add employer benefits. Save All refreshes planning artifacts. No broker calls. No trading.
Click "Load from Active" to load current employer benefits.
Paste Employer Benefits CSV
Paste CSV matching the employer benefits template. Validate, Preview, or Save as Active Benefits. Saving replaces all active benefits.
Planning Assumptions Editor
Edit planning profile fields. Save writes to data/planning_assumptions.active.json and regenerates the dashboard. Does not touch holdings or accounts files.
Real Estate
Redfin Estimate values for your properties. Click Refresh to fetch current estimates (~10s for 2 properties). Paste the full Redfin property URL from your browser address bar.
Loan / Mortgage Balances
Primary ResidencePRIMARY_HOME
Redfin Estimate
$1,746,745.00
$1,746,745.00
Current Loan Balance
$952,889.00
$952,889.00
Estimated Equity
$793,856.00
$793,856.00
Equity = Redfin Estimate − Loan Balance. Saved equity updates net worth and planning projections.
Rental PropertyRENTAL_PROP
Redfin Estimate
$779,174.00
$779,174.00
Current Loan Balance
$443,381.00
$443,381.00
Estimated Equity
$335,793.00
$335,793.00
Equity = Redfin Estimate − Loan Balance. Saved equity updates net worth and planning projections.
Data Quality
| Metric | Value |
|---|---|
| Data source | seed files |
| Active holdings total | $1,996,510.00 |
| Active accounts total | $1,994,740.00 |
| Active holdings/accounts difference | $-1,770.00 |
| Seed spreadsheet reference total | $2,550,894.00 |
| Seed spreadsheet comparison | False |
Unmapped Holdings
| Ticker | Name | Value |
|---|
Raw JSON Editors
Holdings JSON
Accounts JSON
Employer Benefits JSON
Planning Assumptions
Scenario Setup
POST individual scenario objects to /api/planning/scenario.
Quote Refresh
Manual prices are used until a quote provider is configured.
File Import
Positions CSV
Employer Benefits CSV
Backup & Restore
Creates timestamped backups of all data files locally. Backups are stored in
data/backups/ and never leave your server. Last 5 backups are kept.Connected Accounts (Plaid)
Link bank and brokerage accounts to automatically sync balances, holdings, and transactions. Access tokens stay server-side and are never sent to the browser.
Click "Refresh Status" to load connected accounts.
Transactions
Read-only view of transaction data synced from connected Plaid accounts. No trading from this dashboard.
Select the Transactions tab to load data.
Legacy Planning
All legacy data is stored locally in
data/legacy_planning.json and is never sent to any external service.Life Insurance Policies
Track life insurance policies for household members.
Loading...
Important Contacts
Attorney, financial advisor, accountant, executor, and other key contacts.
Loading...
Account Summary for Emergency
Auto-generated from current account data. Account numbers are masked — click to reveal. Never sent externally.
| Account | Owner | Institution | Type | Approx Value | Account # (click to reveal) |
|---|---|---|---|---|---|
| Roth IRA | Alex | Fidelity | roth_ira | $149,850.00 | — |
| Roth IRA | Jordan | Vanguard | roth_ira | $108,300.00 | — |
| 401k (Employer Plan) | Alex | Fidelity | employer_401k | $469,800.00 | — |
| 401k (Employer Plan) | Jordan | Vanguard | employer_401k | $315,000.00 | — |
| HSA | Alex | Fidelity | hsa | $54,600.00 | — |
| Individual Brokerage | Alex | Schwab | individual_taxable | $174,300.00 | — |
| Self-Custody Crypto | Alex | Self-Custody | individual_taxable | $37,890.00 | — |
| Primary Residence | Alex | Real Estate | real_estate | $430,000.00 | — |
| Rental Property | Alex | Real Estate | real_estate | $210,000.00 | — |
| CollegeInvest CO 529 | Alex | CollegeInvest | 529 | $45,000.00 | — |
Documents Checklist
Track important documents and where they are stored.
Loading...
Actions
Household actions are read-only or local-data edits. No trading from this dashboard.
Refresh
Quote refresh uses server-side market data only.
Validate
Validation checks local editor rows before saving active files.
AI Analysis
AI Settings
Modelanthropic/claude-sonnet-4-6
API keyConfigured
Max tokens4000 output · Edit in apps.yaml to change
CreditsManage at openrouter.ai · Low credits = truncated output
SpendLoading…
How it works
Each analysis sends your live portfolio data to Claude via OpenRouter. Results are saved server-side and persist across page reloads. Use the History panel below to view past analyses or re-run with fresh data.
🕒 Analysis History
click to expand/collapseLoading history…
System
No trading from household dashboard. Tradier tokens stay server-side and are never written into browser JavaScript.
Dashboard Server
Statusserving this page
Last dashboard refresh2026-05-29
Last quote refresh2026-06-29T13:45:00+00:00
Quote refreshread-only market data; no trades
Active Data Files
Data sourceseed files
| Data | Mode | Path |
|---|---|---|
| accounts | seed fallback | /Users/mike/smart-home/appdaemon/apps/volatility_edge/demo_data/demo_accounts.json |
| holdings | seed fallback | /Users/mike/smart-home/appdaemon/apps/volatility_edge/demo_data/demo_holdings.json |
| planning path | active/workfile | /Users/mike/smart-home/appdaemon/apps/volatility_edge/demo_data/demo_planning.json |
| planning employer_benefits_path | active/workfile | /Users/mike/smart-home/appdaemon/apps/volatility_edge/data/employer_benefits.active.json |
Quote Status
Refreshed24
Manual14
Unsupported8
Errors0
Token foundyes
Token locationapps.yaml tradier_api_key
API Status
Snapshot/api/portfolio/snapshot
Quotes/api/portfolio/quotes
Refresh quotes/api/portfolio/refresh-quotes
Test Commands
python3 -m unittest discover -s tests
python3 main.py refresh-quotes
python3 main.py dashboard-refresh --refresh-quotes