Episode 6 of 6
The Coordinated Plan
For the first time in 30 years, Eric and Carol sit down and build a unified retirement plan. They model the integrated picture: staggered retirement dates, coordinated Social Security, Roth conversions, and a shared withdrawal strategy.
Key Insight
The coordinated plan — Eric at 63, Carol at 65, staggered Social Security, Roth conversions during the bridge years — projects a 96% Monte Carlo success rate and $142k/year in retirement income. The uncoordinated version projected $118k/year with an 84% success rate. Coordination is worth $24k/year and 12 percentage points of safety.
Model This Scenario