Take Control of Your Retirement.
Reduce stress as you approach it.
Educate yourself!
Stop paying a 1% fee for a spreadsheet you can manage yourself.
Traditional financial advisors typically drain your portfolio through complex fee structures:
- Assets Under Management (AUM): Taking 0.5% to 1.5% of your total wealth every single year, regardless
of market performance.
- Hourly Rates: Charging between $200–$400 per hour just to answer basic strategy questions.
- Flat Fees or Retainers: Charging massive upfront costs, only to leave you responsible for actually implementing their recommendations.
Don’t get me wrong, a good advisor has real benefits. Their true value lies in high-level strategy, behavioral discipline, and emotional guidance during market panic.
But you shouldn't pay a premium just to have someone run the math. DrawSmart bridges that gap. Whether you want to arm yourself with hard data so you can walk into an advisor's office knowing exactly what questions to ask, or you want a powerhouse tool to confidently self-manage and track your own retirement strategy, this engine puts you in the driver's seat.
- Waterfall Mode: A step-by-step roadmap telling you exactly which account to pull cash from (Brokerage → Cash Reserves → Traditional IRA). It only pulls cash from assets when you have a specific budget gap.
- Percentage Mode: A customizable model that systematically draws a fixed rate across your mix of accounts. Ideal for stress-testing the classic 4% rule against real-world inflation and forced 401k/IRA withdrawals that can push you into higher tax brackets and IRMAA tiers.
- The Benefit: Your money stays invested longer, compounding tax-efficiently so your savings outlast your timeline.
- Why it matters: You shouldn't have to pay a professional every time your expenses change.
This engine gives you the absolute freedom to pivot your strategy instantly, while arming you with the data you need to sit across from any advisor and know exactly how to evaluate their advice.
- What it does:
An automated monitor that tracks your household Modified Adjusted Gross Income (MAGI) against strict 2-year lookback brackets.
- The Benefit: Banish surprise penalties.
Stop the government from quietly doubling your Medicare Part B and D premiums.
- Why it matters: Navigating retirement income means dodging invisible tax cliffs.
This tracks the rules for you so that when you talk to professionals, you already know your ceiling and can prevent them from making moves that accidentally trigger thousands in unrecoverable surcharges.
- What it does: An interactive
workspace to plan precise, multi-year Roth conversions right up to your current tax bracket ceiling or IRMAA tier (to avoid crossing into the next penalty tier).
- The Benefit: Legally shift your wealth out of the IRS's reach forever before forced RMDs kick in.
- Why it matters: The window between retirement and forced distributions is a massive leverage point.
Educating yourself on this bracket-space means you can walk into any financial discussion knowing exactly what questions to ask, ensuring you aren't leaving money on the table.
- What it does: Instead of just handing you a giant spreadsheet,
the Translator breaks down the exact math of any single year into a conversational, readable text log.
- The Benefit: It eliminates spreadsheet overwhelm.
It acts like a digital financial advisor, plainly explaining exactly where your money went, which accounts were drained, and why taxes were applied.
- Why it matters: You shouldn't need a finance degree to audit your own retirement plan.
It gives you the confidence to verify the complex math yourself in plain English.
- What it does: A visual "Tipping Point" dashboard tracking your cash safety net, investment growth velocity, and true burn rate.
- The Benefit: Pure peace of mind.
Know exactly if you are making money faster than you are spending it.
- Why it matters: Staying blind to your portfolio's actual velocity makes you dependent on an advisor's opinion.
Seeing your real trajectory visually gives you the absolute clarity to control the conversation and confidently discuss or dictate your next move.
- What it does: A Zero-PII Design.
We never ask for bank names, account numbers, or statements.
This is a private strategy engine, not a bank aggregator.
- The Benefit: By disconnecting your financial strategy from your actual banking, we eliminate the primary target for hackers.
- Why it matters: We believe you shouldn't have to trust a company
with your identity to benefit from institutional-grade financial intelligence.
