Marcus, 55 — North Carolina
Marcus starts the bridge with $1,250,000 in traditional accounts, $180,000 in Roth accounts, and $220,000 in taxable accounts.
Existing fixture · computed at build time by shipped engines
- Portfolio
- $1,685,000
- Monthly spending
- $7,200
- Historical survival
- 85%
- Windows survived
- 98 of 115
“What does a Roth ladder change in the picture?”
A ladder changes where money sits and when taxable income appears. This fixture supplies the account balances but no annual conversion schedule, so this article does not invent a conversion amount. It shows the exact starting pools: $1,250,000 traditional, $180,000 Roth, and $220,000 taxable.
“How resilient is the underlying bridge?”
The canonical drawdown plan survives 98 of 115 historical windows, producing a floored 85% result. 17 complete windows finish depleted.
“Where does the stress test bend?”
The lower historical band records depletion at age 79. The median tested spending reduction across failed windows is 5%. Those outputs describe the stress test; they do not prescribe a conversion or spending choice.
These are Marcus’s fixture results. RunwayFI recomputes the same engines from each household’s facts and plan assumptions.
RunwayFI provides educational planning estimates, not financial or tax advice. Consult a qualified professional before making financial decisions.