AllocateLite Retirement Intelligence
From "Can I retire?" to a clear plan.
A modern advisor workspace that turns retirement questions into projections, tax strategies, income plans, stress tests, and next-best actions.
Client Snapshot
John & Sarah M.
Goal: Retire at 62 • Lifestyle spending target: $135K/year
Yes — on track with an 87% probability of success.
Age 60 is possible. Age 62 is optimal under the current plan.
The current plan is projected to support spending through age 94.
Execute phased Roth conversions while staying within the 24% bracket.
Income Strategy
Retirement income engine
Tax Optimization
Roth and tax planning
- Convert $40K/year to Roth while staying inside the current tax bracket window.
- Reduce projected lifetime taxes by an estimated $180K.
- Lower future RMD pressure starting at age 73.
Risk Analysis
Stress testing
Plan remains viable with reduced discretionary withdrawals in years 1–3.
Spending pressure rises, but delayed Social Security improves resilience.
Fixed income helps stabilize withdrawals and reduces plan volatility.
Advisor Workflow
Planning coverage
$320K estimated lifetime healthcare cost with Medicare and supplemental coverage assumptions.
Model self-funding vs insurance to protect late-stage retirement outcomes.
Optimize beneficiary outcomes with tax-aware asset location and Roth-heavy legacy transfers.
Advisor Summary
Not a retirement calculator. A decision engine.
Connect client data, run retirement scenarios, evaluate tax actions, stress test outcomes, and generate next-best recommendations inside one modern interface.