Vantage Point Financial

Income & Retirement Planning Dashboard

Project income sources, model RMD obligations, and evaluate Roth conversion strategies. All calculations update live as you adjust inputs.

How to use this dashboard
Step 2 of 5 — Best after Asset Inventory
  • Fill in client profile and income sources in the left sidebar — the dashboard updates live
  • Three tabs: Income Projections (year-by-year), RMD Obligations, and Roth Conversion analysis
  • Uses the correct 2022+ IRS RMD table (Pub. 590-B)
  • Tax estimation uses a simplified gross-up method via the effective tax rate slider — not a full bracket engine. Adjust the rate to match the client's actual effective tax situation.
Prereq: Complete Asset Inventory first for portfolio values. Output: Income projections inform Bucket Plan withdrawal strategy.
Client Profile
For accurate RMD start age
Client 2
Income Sources
$
2%
Spouse Social Security
$
Pension
$
0%
50%
Employment Income
$
Other Income
$
Expenses
$
Annual after-tax spending target
3%
Portfolio
$
$
$
5%
Tax Assumptions
18%
Simple gross-up method for tax estimation
State tax is not modeled separately — adjust the effective tax rate slider to include state impact
Income Sources Over Time
Stacked bar chart showing projected income composition by year
Year-by-Year Projections
From current age through age 95
IRA Balance Over Time
Pre-tax IRA balance declining as RMDs are taken
RMD Schedule
Required Minimum Distributions using 2022+ Uniform Lifetime Table (IRS Pub. 590-B)
Roth Conversion Inputs
Enter conversion amounts for each year. Leave at $0 for no conversion.
Year 1
$
Year 2
$
Year 3
$
Year 4
$
Year 5
$
20%
Net Value Comparison
After-tax net worth: With Conversions vs. Without Conversions
With Conversions
Without Conversions
Educational / Illustrative Only. This tool provides hypothetical projections based on the assumptions entered. It does not constitute investment, tax, or legal advice. Actual results will vary based on market conditions, tax law changes, and individual circumstances. Consult your financial advisor and tax professional before making decisions. Vantage Point Financial is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Vantage Point Financial is not affiliated with Kestra IS or Kestra AS. This tool is for educational purposes only and does not constitute financial advice.