Other contributors have raised various salient points so if you have addressed those points to the contributors' satisfaction then it's all good.If you have counterexamples of situations the page does not handle well, let me know and we can discuss.
Optimizing for heirs often goes hand in hand with having more "unavoidable" income than expenses. For that we have articles such as Roth conversion, Tax-efficient fund placement, etc.I have not done so because I'm not aware of any tool that optimizes for heir's tax situation and for maximizing value to heirs. All the tools I've seen are for optimizing for your own retirement, which may or may not serve that goal. But, if you can suggest one or two (ideally free or cheap), I will gladly check them out and run some comparison cases.
"Draw-down" implies having more expenses than unavoidable income. Depending on the size of one's investments there could still be inheritance considerations, but determining how to optimize "die with zero" (or thereabouts) for one's own retirement becomes a more likely topic.
I posted in the What Retirement Planning/Budgeting Software Are You Using - Page 3 - Bogleheads.org topic. Let's see if that generates any feedback.
Statistics: Posted by FiveK — Thu Jun 06, 2024 12:08 am — Replies 157 — Views 14629