Taxable Capital Gains Drag (~15% LTCG):-$41,281.00
Estimated After-Tax Clean Liquidity:$1,878,366.38
📊Asset Allocation
💼All Portfolio Accounts (7)
Tap any account card to expand underlying holdings, cost basis, and shares.
🧠Strategy Review & Optimization
Executive Insights
Actionable strategic diagnostics across risk, growth velocity, and capital efficiency:
⚠️ Concentration Alert23.5% of Portfolio
Google GSU Work Shares ($590,672.41)
Area for Improvement: Over one-fifth of your total net worth is tied to a single tech equity. Consider establishing scheduled trim tranches or hedging on strength to systematically rebalance into tax-deferred index pools (e.g. S&P 500 / Vanguard), reducing single-firm downside volatility.
✈️GSU De-Risking Flight Simulator
Interactive Rebalancer
Simulate trimming Google GSU shares (1,722.68 shares @ $335.45 = $577.8k) into diversified S&P 500 / Index funds to lower single-stock exposure:
Trim Quantity:200 shares (~$67.1k)
0 shs (Hold All)200 shs500 shs1,000 shs (58%)
Net Post-Tax Proceeds (~15% LTCG)
$57,026.50
Remaining GOOG Weight
20.8% (-2.7%)
💡 Reinvesting $57.0k into S&P 500 compounding at 9%/yr yields $134,990 in 10 years without single-stock corporate risk.
🚀 Core Alpha Engine+37.07% 3-Yr CAGR
Gartner 401(k) / Fidelity Pool F ($1,015,915.34)
Strategic Win: Your premier wealth compounding engine. Grew from $394.4k to $1.015M in 36 months. Maximize annual employer match and mega-backdoor additions to maintain tax-sheltered velocity.
⏳ Convexity & Beta~506 Days Runway
Options LEAPs 2028 ($39,997.00 Position)
Optimization Strategy: WDAY $195 Call is deeply in-the-money ($20.3k). Define limit profit-taking ladders to convert paper options gains into cash liquidity as expiration draws nearer in 2027.
⏰ Convexity Lifecycle PhasePhase 1: Golden Convexity (~506d)
1. Convexity (Now)
2. Harvest Window
3. Theta Cliff
Jan 2026 (Inception)▲ Current Runway (~506 Days Left)Jan 21, 2028 (Exp)
💧 Low Cash Drag0.38% Allocation
Sweep Cash & Working Liquidity ($9,630.11)
Efficiency Rating: 99.62% of your portfolio is actively earning market returns with near-zero cash drag. Ensure external non-brokerage liquid reserves cover 6 months of lifestyle expenses.
📈10-Year Wealth & Social Security Runway
Model additional savings, time in market, and Social Security for a complete view of retirement income:
Additional Monthly Savings:$2,500 / mo
$0$2,500$5,000$10,000
Time Horizon in Market:10 Years
1 Yr5 Yrs10 Yrs20 Yrs25 Yrs
Projected Portfolio Value (10 Yrs)
$6,634,439.82
Your Added Savings:+$300,000.00
Compounded Market Growth:+$3,825,358.55
Total Monthly Spendable Income at Retirement
$23,170.45 / mo
Portfolio SWR (3.5%): $19,350.45/mo+ Social Security: $3,820.00/mo
🛰️Monte Carlo Market Weather Radar
10,000 Scenarios
Statistically models 10,000 future market paths across a 10-year horizon (10th bear, 50th median, 90th bull percentiles) and calculated probabilities of crossing major wealth milestones:
💡 Note: Over a 10-year horizon, time in the market and dividends historically buffer bear markets. Even in the bottom 10th-percentile market cycle, total net worth finishes positive at $3.2M (+27.5%).
94.8%
Crossing $3M
~1.8 Yrs (Expected)
78.2%
Crossing $5M
~6.4 Yrs (Expected)
42.6%
Crossing $7M
~9.8 Yrs (Expected)
⚡Macro Stress-Test & Shock Simulator
Simulate market drawdown scenarios across your asset buckets in real time: