$3.2M $3.0M $2.8M $2.6M $2.4M $2.2M $2.0M $1.8M ▲ STRUCTURAL CEILING $4.13M STRUCTURAL CEILING $165,000 / yr Modeled estimate. Precision in Studio. The mathematical limit of your plan's capacity. A structural constraint, not an aspirational target. $2.60M ▼ SURVIVAL FLOOR SURVIVAL FLOOR $137,000 / yr Modeled estimate. Precision in Studio. Floor holds in 99% of simulations + all stress scenarios. Survives the 1929 crash. Survives everything. ● YOUR DATUM $2.50M BELOW FLOOR — MAXIMUM DURABILITY Spend: $100,000 / yr Your architecture holds under every historical stress tested.

Your estate has
been measured.

THESE ARE YOUR BOUNDARIES.

Why a Range? →

SEE WHAT MOVES YOUR RANGE ↓
Review Intelligence Dossier ↓

Fragility Insights

Your plan has a shape. Adjust the parameters below to see exactly how your structural boundaries expand or compress under changing conditions.

Target Spend $100k
Market Outlook
CAPE-Aware
Adjusts expected returns using current Shiller CAPE. Most representative of present valuations.
See Datum Diagnostics ↓

Datum Diagnostics

Three honest observations about the shape of your plan:

1.
Your Datum sits 27.0% below your Survival Floor. That's cushion, not coincidence. You have room to weather a severe decade without recalibrating.
2.
Your Ceiling and Floor span a $28k gap. Narrow ranges mean precision. Your architecture operates with tight tolerances and requires closer monitoring.
3.
Your plan is highly sensitive to changes. Pulling the Stress Battery lever to maximum drops your Floor by $12K. Changing your retirement age by 3 years moves it by $7K. Market volatility outweighs timeline risk in your current architecture.
If your plan's shape ever becomes difficult — if the honest answer points to later retirement, reduced spending, or increased savings — Datum FI will tell you that with the same clarity as it tells you today's good news. Confidence requires honesty.

Your Range is built.

Keep building your architecture. Every scenario you model today is a decision you own tomorrow.

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> INITIALIZING DATUM ENGINE V1.4... > COMPILING ARCHITECT PROFILE... [OK] [ACTIVE] MODEL I: Parametric Log-Normal Generates 10,000 return sequences from a log-normal distribution. [ACTIVE] MODEL II: Empirical Bootstrapping Draws actual annual return sequences from 1926-2025. [ACTIVE] MODEL III: CAPE-Adjusted Valuation Dynamically shifts expected returns based on current Shiller CAPE. [Source: Robert Shiller, Yale — econ.yale.edu/~shiller/data] [ACTIVE] MODEL IV: Regime Block Simulation Samples multi-year blocks mirroring current economic conditions. [INJECTING ADVERSE SCENARIO STRESS BATTERY] Testing architecture against: - The 1929 Crash - 1970s Stagflation - Japanese Lost Decade
📊 Model Agreement: 4 engines / >99% survival at your Datum / Healthy spread (CV 5.6%)
The models don't perfectly agree — that's the point. Healthy disagreement across methods builds stronger confidence than any single model could.
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DATUMFI
REPORT GENERATED: APR 18, 2026
SECURITY: COMPUTED LOCALLY
COMPUTATION: 10,000 FUTURES

Structural Intelligence Dossier

Estate Architecture & Range Analysis
Structural Ceiling
$165k / yr
$4.13M Required Estate
Est. Legacy: $0.80M
Modeled estimate. Precision in Studio.
Your Datum - Desired Spending
$100k / yr
$2.50M Required Estate
Est. Legacy: $4.20M
Modeled estimate. Precision in Studio.
Survival Floor
$137k / yr
$2.60M Required Estate
Est. Legacy: $5.20M
Modeled estimate. Precision in Studio.
$134k $112k $90k $68k CEILING FLOOR DATUM
Datum Diagnostics
1.
Your Datum sits 27.0% below your Survival Floor. That's cushion, not coincidence. You have room to weather a severe decade without recalibrating.
2.
Your Ceiling and Floor span a $28K gap. Narrow ranges mean precision. Your architecture operates with tight tolerances and requires closer monitoring.
3.
Under maximum stress, the Floor compresses by $12K. This reflects a severe stagflation scenario from your Monte Carlo simulation.
If your plan's shape ever becomes difficult — if the honest answer points to later retirement, reduced spending, or increased savings — Datum FI will tell you that with the same clarity as it tells you today's good news. Confidence requires honesty. Data In. Confidence Out.
Architectural Inputs
  • Base Portfolio Balance $3,000,000
  • Activation Age 67 yrs
  • Market Outlook Bias Valuations Matter
  • Tax Sequencing Optimized
Engine Telemetry
> DATUM ENGINE V1.4 [LOCKED]
[ACTIVE] MODEL I: Parametric (15%)
[ACTIVE] MODEL II: Empirical (15%)
[ACTIVE] MODEL III: CAPE-Adjusted (40%)
[ACTIVE] MODEL IV: Regime Block (30%)
[ACTIVE] STRESS: 1929, 1970s, Japan

> CONVERGENCE: HEALTHY SPREAD (CV 5.6%)
> 99.8% SURVIVAL AT DATUM COORDINATE