An elegant three-layer model showing how strategic planning optimizes your financial future—balancing taxes, income, and asset preservation
The Building Blocks
The Math Layer
The Optimization Layer
The system calculates two complete cases and compares them to show how strategic planning optimizes your financial outcomes
We always run both cases—your current plan (Base) and the optimized plan (Strategic)—so you can see exactly how each strategy impacts your financial outcomes. The goal is optimization, not minimization.
The easiest way to eliminate taxes? Have no income, no gains, no assets. But that defeats the purpose! Strategies that increase your income or accelerate gains (like Roth conversions) may increase taxes—and that's often the optimal choice for long-term wealth.
Every calculation projects through your life expectancy, showing how your portfolio grows, income changes, and taxes evolve over time with and without strategies.
Strategies are applied in the sequence you define, creating sequential transformation pipeline. The end result is that strategies work together, with each strategy building on the others.
The system balances multiple goals: sustainable income streams, asset preservation across generations, tax efficiency, and flexibility. Success means optimizing across all dimensions, not just minimizing one number.
What looks like a higher tax bill in isolation might enable better strategic positioning, preserve more wealth for heirs, or create more reliable retirement income. We optimize for your complete financial picture.