01
Financial Overview
Snapshot of wealth, income, and monthly cash position
Net Worth →
$1,274,900
Assets $1,559,700 · Liabilities $284,800
Monthly Income →
$22,483
$269,792 annually
Est. Monthly Expenses →
$13,972
After savings & taxes
Portfolio Value →
$799,700
Investment accounts only
Monthly Income Allocation
$22,483
Monthly
Taxes 25.4%
Savings 14.6%
Known Exp. 9.2%
Remainder 50.8%
Portfolio Composition
96.8%
Equity
Stocks 96.83%
Bonds 2.98%
Cash/Other 0.19%
02
Key Indicators
Financial health ratios and readiness measures
Liquidity Ratio
4.77
Months of expenses covered by liquid investments
↑ Higher is better
FI Ratio
7.60
Net Worth ÷ Annual Expenses · proximity to work-optional
Target: 25+
Housing Ratio
10.5%
Housing costs ÷ gross income
Target: ≤ 30% ✓
Debt-to-Income
8.4%
Monthly debt payments ÷ monthly income
Healthy range ✓
Savings Rate
14.6%
$3,279/mo into savings & investments
Cash Reserve
$30,000
Goal: $83,834 (6 months expenses) · 64% gap
Equity Rate
96.8%
Portfolio in equities — growth-oriented, higher volatility
03
Cash Flow
Income, savings, expenses, and taxes breakdown
Monthly Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Income | ||
| Bob Employment | $15,319 | $183,823 |
| Sally Employment | $7,164 | $85,969 |
| Total Income | $22,483 | $269,792 |
| Savings | ||
| Bob 401k (Traditional) | $2,583 | $31,000 |
| Employer Contributions | $441 | $5,296 |
| Sally Pension Savings | $210 | $2,525 |
| Sally 403b | $44 | $525 |
| Total Savings | $3,278 | $39,346 |
| Known Expenses | ||
| Mortgage | $1,882 | $22,580 |
| Bob Medical/Dental/Vision | $892 | $10,703 |
| Property Tax | $483 | $5,800 |
| Life/Disability Insurance | $303 | $3,635 |
| Other Payroll Deductions | $215 | $2,590 |
| Total Known Expenses | $3,775 | $45,308 |
| Taxes (Est.) | ||
| Estimated Tax Burden | $5,232 | $62,778 |
Remainder (Discretionary)
$10,198/mo
Cash Flow Visual
Income$22,483
Savings$3,278
Taxes (Est.)$5,232
Debt Payments$1,882
Known Expenses$3,775
Remainder$8,316
Income Less Savings, Taxes & Debt$12,091
Net Income After Debt (Annual)$145,088
04
Goals
Top financial objectives with progress tracking
🎯 Retirement by ~60 (2032)
On Track
Retire around age 60 with an estimated after-tax income above $7k/month.
Current Portfolio$799,700
Target$1,332,000
60.0% funded
May 2032 · 5.1% real return assumed
Likelihood142.9%
✈️ Travel Fund
Not Started
Establish a separate fund for travel expenses in the initial years of retirement.
Current$0
TargetTBD
To be set up as retirement approaches
🏦 Legacy & Giving
Planning
Leave a legacy for kids; portion to education-focused charitable causes (per existing trust language).
Current$0 earmarked
📊 Tax Reduction
Active
Reduce total tax over the long term through Roth conversions, strategic withdrawals, and a tax-efficient portfolio.
StrategyRoth conversion + brokerage
05
Tax Estimates
Current-year projection based on income and deductions
Tax Summary
AGI
$273,000
Average Rate
23%
Marginal Rate
24%
Capital Gains Rate
15%
Bracket Position
$29K to lower bracket$163K to higher bracket
Total Tax Rate (of AGI)23.0%
Estimated Annual Tax$62,778
Tax Return Last Reviewed2024
Tax Planning Notes
1
Roth Conversion Opportunity
$29K of room before hitting next bracket. Annual review of conversion amounts recommended beginning May 2032.
2
Strategic Withdrawals
Prioritize taxable brokerage and pre-tax accounts. Partial withdrawals needed until Sally reaches 59½ (Nov 2031).
3
Capital Gains Rate = 15%
Long-term gains taxed favorably. Maintain tax-efficient holdings in taxable brokerage.
4
Annual Tax Return Review
Verify taxable income and deductions match plan assumptions each year during Q1 review.
06
Investment Portfolio
Account balances, allocations, and risk profile
Account Summary · Total $799,700
| Account | Type | Risk | Value |
|---|---|---|---|
| Taxable | |||
| Joint Brokerage Account | Taxable | 78 | $36,600 |
| Pre-Tax Retirement | |||
| Bob – 401k (Traditional) | Pre-Tax | 47 | $23,500 |
| Bob – IRA (Pre-Tax) | Pre-Tax | 72 | $377,450 |
| Sally – IRA (Pre-Tax) | Pre-Tax | 68 | $26,700 |
| Sally – 403b | Pre-Tax | 58 | $21,850 |
| After-Tax Retirement | |||
| Bob – Roth IRA | After-Tax | 83 | $279,300 |
| Sally – Roth IRA | After-Tax | 76 | $34,300 |
| Total Portfolio | 75 avg | $799,700 | |
By Asset Type
96.8%
Equity
Stocks 96.83%
Bonds 2.98%
Cash/Other 0.19%
US vs. Non-US (Equity Only)
US Assets
~97%
Non-US
~3%
Excludes "Other" & Cash. Equity holdings only.
By Tax Type
Pre-Tax 56.2%
After-Tax 39.2%
Taxable 4.6%
Portfolio Risk Profile
Your Risk Tolerance
61
Comfort with volatility (1–100)
Portfolio Risk Score
75
⚠ Slightly above tolerance — review allocation
Risk Gap
+14
Portfolio score − tolerance score
Concentrated Holdings
None noted
Flag if any single holding exceeds 10% of portfolio
07
Retirement Income
Spending capacity, guardrails, and income sources
Monthly Spending Capacity
$8,910
Estimated after-tax at retirement (May 2032)
Current Net Income (Less Debt)
$12,091
Monthly take-home after debt payments
Retirement Portfolio Target
$1,324,066
May 2032 · $799,700 today (60% funded)
Spending Guardrails — May 2032
Retire Around Age 60 (2032) with an estimated after-tax income above $7k per month. Your target portfolio is $1,324,066 supporting a monthly withdrawal of $8,910. When the portfolio hits a guardrail, adjust spending as shown below.
Portfolio Value at Guardrail
$1,014,000
−23.4%
$1,169,000
−11.7%
$1,324,066
May 2032 Target
$1,464,000
+8.8%
$1,604,000
+17.5%
↓
↓
↓
↓
↓
Monthly Spending
$8,520
−$390
$8,715
−$195
$8,910
No Change
$9,605
+$695
$10,300
+$1,390
⬇ Decrease Monthly Spend
Portfolio value fell below target
✓ On Track
⬆ Increase Monthly Spend
Portfolio value grew above target
Future Income Sources
| Source | Monthly ($) |
|---|---|
| Bob Social Security | $3,863 |
| Sally Social Security | $2,997 |
| State Pension (Option 3) | $2,716 |
| Total | $9,576 |
Current Monthly Retirement Contributions
| Account | Monthly |
|---|---|
| Bob 401k Traditional | $2,583 |
| Employer Contributions | $441 |
| Sally Pension Savings | $210 |
| Sally 403b Traditional | $44 |
| Total | $3,278 |
Retirement Guardrails Method
The retirement withdrawal guardrails method sets an initial sustainable withdrawal and adjusts spending only when the portfolio moves outside preset upper or lower guardrails. This rules-based trigger creates raises after strong markets and spending cuts after weak markets to keep portfolio longevity and lifestyle in balance.
Current Net Income (Less Debt)$12,091/mo
Household Income$269,792
Financial SituationPre-Decumulation
Investment ObjectiveGrowth
Time HorizonOver 7 Years
Investment ExperienceExperienced
08
Retirement Timeline
Key dates and milestones ahead
June 2026 · Age 54
Sally Eligible for State Pension
Leaves County School District · Analyze survivor options
November 2031 · Age 59
Sally Reaches 59½
Penalty-free withdrawals available for Sally
May 2032
Ideal Retirement — Income Plan Begins
Assess Roth conversions and tax strategies · Review health insurance options · Revisit withdrawal rates every 1–2 years
February 2033 · Age 59
Bob Reaches 59½
Penalty-free withdrawals available for Bob
August 2033 · Age 60
Bob Turns 60
May 2037
Sally Eligible for Medicare
August 2038 · Age 66
Bob Eligible for Medicare
May 2039 · Age 67
Sally Reaches Social Security FRA
Full retirement age — maximum SS benefit
August 2040
Bob Reaches Social Security FRA
Full retirement age — maximum SS benefit
Investment Contribution Strategy
Prioritize tax-deferred and taxable brokerage accounts. Partial withdrawals from pre-tax accounts (and possibly one full year of withdrawals) will be needed to bridge income until Sally reaches age 59½ in November 2031.
Near-Term Action Items
Pension Survivor Option AnalysisJun 2026
Roth Conversion ReviewAnnual
Health Insurance Planning2032+
Withdrawal Rate RevisitEvery 1-2yr
09
Meeting Agenda
Current planning priorities and annual review items
Agenda Items
1
Set and Review Goals
Establish and periodically review short-term and long-term financial goals, adjusting plans as needed to stay on track.
2
Cash Reserve Target
Agree on a target — suggested 6 mo. expense while working ($83,834), 12 mo. at retirement. Currently at $30K (36%).
3
Risk Tolerance Review
Assess comfort level with investment risk. Portfolio score (75) is above stated tolerance (61) — review alignment.
4
Financial Independence / Retirement
Start timeline on withdrawal needs. FI Ratio is 7.60, target is 25+. Track annual progress.
5
Investment Contribution Strategy
Prioritize tax-deferred and taxable brokerage. Plan partial withdrawals until Sally is 59½.
6
Savings Prioritization
Balance emergency funds, retirement savings, and other financial goals. Adjust rates based on income changes.
7
Cash Flow Review
Review income and expenses to ensure positive cash flow. Identify opportunities to reduce expenses and increase savings.
8
Tax Return Review
Review prior year tax return to verify taxable income and deductions match plan notes.
Annual Items
| Item | Due | Notes |
|---|---|---|
| Current Implementation Plan | Jan 2026 | Develop and implement actionable steps to achieve financial goals. |
| Tax Return Review | Q1 | Verify income and deductions against plan. |
| Risk Tolerance Assessment | Annual | Review portfolio alignment with risk profile. |
| Roth Conversion Strategy | Annual | Assess bracket room and conversion amounts. |
Questions for This Meeting
Add questions from your Excel data source
10
Net Worth Detail
Full asset and liability breakdown
Assets · $1,559,700
| Asset | Value | Updated |
|---|---|---|
| Investment Accounts | ||
| Bob – IRA (Pre-Tax) | $377,450 | Oct 2025 |
| Bob – Roth IRA | $279,300 | Oct 2025 |
| Joint Brokerage Account | $36,600 | Oct 2025 |
| Sally – Roth IRA | $34,300 | Oct 2025 |
| Sally – IRA (Pre-Tax) | $26,700 | Oct 2025 |
| Bob – 401k (Traditional) | $23,500 | Sep 2025 |
| Sally – 403b | $21,850 | Sep 2025 |
| Investment Subtotal | $799,700 | |
| Other Assets | ||
| Home | $730,000 | Oct 2025 |
| Joint Savings Account | $30,000 | Sep 2025 |
| Total Assets | $1,559,700 | |
Liabilities
| Liability | Balance | Updated |
|---|---|---|
| Mortgage | $284,843 | Feb 2026 |
| Total Liabilities | $284,843 |
Net Worth Summary
Total Assets$1,559,700
Total Liabilities−$284,843
Net Worth$1,274,900
Net Worth History
⚙
OneDrive / Excel Data Connection Guide
How to update this dashboard monthly from your Excel file — securely
Recommended Setup (Secure)
1. Excel Workbook on OneDrive (M365)
Store your data workbook in your M365 OneDrive. Use named ranges or a dedicated Dashboard_Data sheet with standardized field names.
2. Microsoft Graph API
Register an Azure AD App with Files.Read scope. Use the MSAL OAuth 2.0 flow. Users authenticate with their own M365 login — no hardcoded credentials.
3. Read-Only Token
The app only requests Files.Read permission. Tokens expire and refresh automatically via MSAL.
4. Hosting
Host on your M365 SharePoint site or a private Azure Static Web App.
Excel Sheet Layout
Create a sheet named Dashboard_Data with keys in column A, values in column B:
| Key (Col A) | Example Value |
|---|---|
| net_worth | 1274900 |
| total_income_monthly | 22483 |
| total_assets | 1559700 |
| total_liabilities | 284800 |
| portfolio_value | 799700 |
| cash_savings | 30000 |
| savings_monthly | 3279 |
| tax_monthly | 5232 |
| as_of_date | Oct 2025 |
🔒 Security Notes
• No API keys or secrets are stored in this HTML file · Authentication is delegated to Microsoft's MSAL library
• Scope the Azure App Registration to your specific tenant (single-tenant) to prevent external access
• Use Conditional Access policies in Azure AD to restrict login to known devices
• Enable audit logging in M365 to track who accessed the data file
• For maximum isolation, host on a private SharePoint page with M365 group-based access
• Scope the Azure App Registration to your specific tenant (single-tenant) to prevent external access
• Use Conditional Access policies in Azure AD to restrict login to known devices
• Enable audit logging in M365 to track who accessed the data file
• For maximum isolation, host on a private SharePoint page with M365 group-based access