Reference implementation

What a white-label build on the component kit looks like: the same fictional household as /demo, but interactive — switch the theme (the sample brand override goes through the same config-time WCAG AA gate every tenant theme faces) and toggle between a consumer-lite view and the full advisor view. Every pixel inside the frame below is drawn by kit components from theme tokens; the engines run server-side.

The Rivera household is fictional, and the assumptions are labeled illustrative defaults — not a market view, not a recommendation, not advice.

ThemeDepth

The Rivera household (fictional)

Projected net worth ends at $3.8M on the deterministic path; 82.7% of 1,000 simulations stay funded over the fixed horizon, 89.9% when simulated lifespans are accounted for.

Roth conversion ladder

Objective: maximize final-year household net worth net of estimated IRMAA Part B surcharges across candidate Roth conversion schedules, each run through the full projection (score = ending net worth − cumulative estimated IRMAA, both stated per alternative)

Baseline: no Roth conversions over the horizon

Convert $60,000/yr for 5 yearstop-ranked
+$37K vs baseline · −$88K tax
- Convert $60,000 from traditional to Roth in 2027.
- Convert $60,000 from traditional to Roth in 2028.
- Convert $60,000 from traditional to Roth in 2029.
- Convert $60,000 from traditional to Roth in 2030.
- Convert $60,000 from traditional to Roth in 2031.
No conversions
baseline
Convert $120,000/yr for 5 years
−$209K vs baseline · −$131K tax
- Convert $120,000 from traditional to Roth in 2027.
- Convert $120,000 from traditional to Roth in 2028.
- Convert $120,000 from traditional to Roth in 2029.
- Convert $120,000 from traditional to Roth in 2030.
- Convert $120,000 from traditional to Roth in 2031.
Convert $250,000/yr for 4 years
−$395K vs baseline · −$333K tax
- Convert $250,000 from traditional to Roth in 2027.
- Convert $250,000 from traditional to Roth in 2028.
- Convert $250,000 from traditional to Roth in 2029.
- Convert $250,000 from traditional to Roth in 2030.

What this ranking does and does not consider (16)

ending net worth: $3,826,574; lifetime tax: $756,034
estimated IRMAA surcharges: $5,846 across 56 enrollee-years (max tier 1); score = ending net worth − surcharges; IRMAA delta vs baseline: $-12,665
ending net worth: $3,789,518; lifetime tax: $844,256
estimated IRMAA surcharges: $18,511 across 56 enrollee-years (max tier 2); score = ending net worth − surcharges; IRMAA delta vs baseline: $0
IRMAA estimate (v0.2): CY2026 Part B thresholds and premiums (cms.partb-premium-irmaa.2026) held constant across the horizon — future brackets are unpublished and MAGI thresholds index annually; MAGI proxied from projection rows (gross income + RMD + conversion) with the SSA two-year lookback; surcharges are NOT fed back into the projection's cash flows; 2 Medicare-age years skipped (two-year lookback precedes the horizon)
candidate schedules are caller-specified; bracket-fill optimization is not yet modeled
projection: RMDs computed per owner at each owner's age (Uniform Lifetime Table)
projection: deficits draw cash → taxable → traditional → roth; the draw is grossed up for the tax it creates, solved in the same year
projection: realized gains on taxable draws are treated as long-term (holding period not tracked) and taxed in the year they are realized
projection: social_security streams with a computed-benefit block use the ssa-pia model, indexed from the claim year at the COLA assumption; the benefit itself is computed from eligibility-year bend points, which are not wage-indexed forward
projection: state tax treats realized gains as ordinary income (no state preferential rates modeled)
projection: state taxable income approximated by federal taxable income
ending net worth: $3,580,635; lifetime tax: $713,582
estimated IRMAA surcharges: $0 across 56 enrollee-years (max tier 0); score = ending net worth − surcharges; IRMAA delta vs baseline: $-18,511
ending net worth: $3,394,736; lifetime tax: $510,985
estimated IRMAA surcharges: $13,637 across 56 enrollee-years (max tier 2); score = ending net worth − surcharges; IRMAA delta vs baseline: $-4,874

Assumptions: profile illustrative-6-3-3@1.0.0 (default; Worthune illustration for demos and documentation — not a market view, not a recommendation. Institutions supply their own profiles.)

Verifiable record: sha256 3d6448fd13d2ad6f8e521c55d8dd2209f22ed74915a630fdcc0e4213c7ad53db — a tamper-evident fingerprint over this analysis; recheck it from the stored response at worthune.com/proof/record to confirm nothing was altered

Pension election

Objective: maximize the actuarial expected present value of the pension election at the caller's discount rate (scores in USD EPV; mortality from the NCHS 2024 period table)

Baseline: the plan's single-life quote — every option priced on the same lives and rate

Lump sum: $420,000 at 65 (EPV $420,000)top-ranked
+$80K vs baseline
- Elect the $420,000 lump sum at age 65 (in 2027).
Single-life annuity: $2,400/mo (EPV $340,370)
no change vs baseline
- Commence the single-life annuity of $2,400/mo at age 65 (in 2027).
Joint & 100% survivor: $1,850/mo (EPV $328,553)
−$12K vs baseline
- Commence the joint & 100% survivor annuity of $1,850/mo at age 65 (in 2027).
Joint & 50% survivor: $2,050/mo (EPV $327,402)
−$13K vs baseline
- Commence the joint & 50% survivor annuity of $2,050/mo at age 65 (in 2027).

What this ranking does and does not consider (13)

expected present value: $420,000
delta vs single-life: $79,630 (EPV, not a projected net-worth path)
expected present value: $340,370
delta vs single-life: $0 (EPV, not a projected net-worth path)
EPVs at a 5% caller-supplied discount rate, valued at 2027 (participant age 65); payments annual, survival measured at year start
mortality from the NCHS 2024 PERIOD life table (nchs.us-life-table.2024): it understates future longevity improvement, which systematically understates annuity EPVs relative to the lump sum
pre-tax comparison: annuity income taxation vs lump-sum rollover treatment is not modeled
joint-survivor EPVs assume the two lives are independent
lump sums are conditioned on the participant surviving to commencement; pre-commencement death benefits are not modeled
expected present value: $328,553
delta vs single-life: $-11,818 (EPV, not a projected net-worth path)
expected present value: $327,402
delta vs single-life: $-12,968 (EPV, not a projected net-worth path)

Assumptions: profile illustrative-6-3-3@1.0.0 (default; Worthune illustration for demos and documentation — not a market view, not a recommendation. Institutions supply their own profiles.)

Verifiable record: sha256 246854a2ad51e0d1c7493442479ec1e2370e0c7a7509430d41b361964e35bd2a — a tamper-evident fingerprint over this analysis; recheck it from the stored response at worthune.com/proof/record to confirm nothing was altered

Social Security claiming

Objective: maximize final-year household net worth across joint claim-age combinations, each run through the full projection (scores in ending-net-worth USD)

Baseline: current claim plan: alex at 67, sam at 67

Claim: alex at 67, sam at 62top-ranked
+$74K vs baseline · −$46K tax
- Member sam claims Social Security at 62 (in 2026).
Claim: alex at 67, sam at 67 (current plan)
baseline
Claim: alex at 67, sam at 70
−$119K vs baseline · +$27K tax
- Member sam claims Social Security at 70 (in 2034).
Claim: alex at 70, sam at 62
−$123K vs baseline · +$2,194 tax
- Member alex claims Social Security at 70 (in 2032).
- Member sam claims Social Security at 62 (in 2026).
Claim: alex at 62, sam at 62
−$212K vs baseline · −$94K tax
- Member alex claims Social Security at 62 (in 2024).
- Member sam claims Social Security at 62 (in 2026).
Claim: alex at 70, sam at 67
−$225K vs baseline · +$55K tax
- Member alex claims Social Security at 70 (in 2032).
Claim: alex at 62, sam at 67
−$233K vs baseline · −$73K tax
- Member alex claims Social Security at 62 (in 2024).
Claim: alex at 62, sam at 70
−$334K vs baseline · −$56K tax
- Member alex claims Social Security at 62 (in 2024).
- Member sam claims Social Security at 70 (in 2034).
Claim: alex at 70, sam at 70
−$358K vs baseline · +$84K tax
- Member alex claims Social Security at 70 (in 2032).
- Member sam claims Social Security at 70 (in 2034).

What this ranking does and does not consider (17)

ending net worth: $3,863,717
ending net worth: $3,789,518
the deterministic projection has NO mortality: members do not die, so longevity-insurance value beyond the horizon and survivor benefits are not captured — this ranking holds under this horizon and these assumptions only
pension elections are handled by the pension-election strategy, which prices options on the NCHS mortality table
projection: RMDs computed per owner at each owner's age (Uniform Lifetime Table)
projection: deficits draw cash → taxable → traditional → roth; the draw is grossed up for the tax it creates, solved in the same year
projection: realized gains on taxable draws are treated as long-term (holding period not tracked) and taxed in the year they are realized
projection: social_security streams with a computed-benefit block use the ssa-pia model, indexed from the claim year at the COLA assumption; the benefit itself is computed from eligibility-year bend points, which are not wage-indexed forward
projection: state tax treats realized gains as ordinary income (no state preferential rates modeled)
projection: state taxable income approximated by federal taxable income
ending net worth: $3,670,350
ending net worth: $3,666,556
ending net worth: $3,577,423
ending net worth: $3,564,079
ending net worth: $3,556,957
ending net worth: $3,455,058
ending net worth: $3,431,532

Assumptions: profile illustrative-6-3-3@1.0.0 (default; Worthune illustration for demos and documentation — not a market view, not a recommendation. Institutions supply their own profiles.)

Verifiable record: sha256 a7b8f70154125d987e984849e9f914101feb4f0fc400939c76d2d378ed852f7c — a tamper-evident fingerprint over this analysis; recheck it from the stored response at worthune.com/proof/record to confirm nothing was altered

Important information about this projection

This analysis is a mathematical projection of the household described, computed under the stated assumptions. It is hypothetical, does not reflect actual investment results, and is not a guarantee of future results.

Outcomes depend on the assumptions used; small changes in assumptions can produce large changes in projected outcomes. Actual returns, inflation, taxes, and life events will differ from any fixed assumption.

The simulated range reflects 1,000 randomized return paths under the stated volatility. Percentages describe the distribution of those simulations, not the probability of any future outcome, and a different set of simulations would produce a somewhat different range.

The assumptions applied are illustrative defaults. They are not a market view and not a recommendation; they exist so the tool can be demonstrated before an institution supplies its own assumptions.

Assumptions

Annual return: 6.00% (nominal, applied to account balances)
Inflation: 3.00% (applied to inflation-adjusted expenses)
Income growth default: 3.00% (streams without their own rate)

Simplifications that applied to this run

RMDs computed per owner at each owner's age (Uniform Lifetime Table)
deficits draw cash → taxable → traditional → roth; the draw is grossed up for the tax it creates, solved in the same year
realized gains on taxable draws are treated as long-term (holding period not tracked) and taxed in the year they are realized
social_security streams with a computed-benefit block use the ssa-pia model, indexed from the claim year at the COLA assumption; the benefit itself is computed from eligibility-year bend points, which are not wage-indexed forward
state tax treats realized gains as ordinary income (no state preferential rates modeled)
state taxable income approximated by federal taxable income

Assumptions source: profile illustrative-6-3-3@1.0.0 (default; Worthune illustration for demos and documentation — not a market view, not a recommendation. Institutions supply their own profiles.)

Verifiable record: this projection carries a tamper-evident fingerprint — sha256 a88c7cdb0d904774fd8bd3786c5a5ea73f991155ed811202490f82db06c7bf86 (projection spec v0.11.0). Anyone can recheck it from the stored response at worthune.com/proof/record — no account needed — to confirm the numbers are unaltered.

Embed these widgets anywhere

The same surfaces are embeddable on any site — no React required — with the same loader that serves the calculator embeds:

<div data-worthune-embed="household-overview" data-theme="dark"></div>
<script async src="https://worthune.com/embed.js"></script>

Or as custom elements, if your stack prefers components — same frames, reactive attributes:

<script async src="https://worthune.com/elements.js"></script>
<worthune-household widget="monte-carlo" theme="dark"></worthune-household>
<worthune-calculator model="fire" input-current-age="35"></worthune-calculator>

Widgets: household-overview, household-projection, household-monte-carlo, household-decisions. Frames size themselves to their content. Without a token, embeds show the seeded fictional household; Growth-tier tenants bind them to real households with signed tokens (data-token) restricted to their domain allowlist — see the API docs for /api/v1/tenant-config and /api/v1/embed-tokens.