TheReference Desk.

Pull up a chair and take a closer look.

The forces around retirement are easier to examine when they can be seen. A collection of visual readings about money, time, and the life a retirement structure needs to support.

Featured reading

The Sequence.

When markets meet withdrawals.

Maria has retired. Money now leaves her savings for life. Move one difficult market year through retirement and see why the order can change the path.

Enter the Sequence

A detail from Maria’s reading / Savings left at year-end

Year 1 has a 25% loss. Years 2 and 3 each have an 8% gain. Each column’s height shows remaining savings on the same zero-to-$1-million scale; the gold portion shows the $50,000 taken out after the return.

$50,000 comes out after every year. In this fictional example, $1 million becomes $700,000 after Year 1, $706,000 after Year 2, and $712,480 after Year 3. The reading lets you change when the loss arrives.
Illustrative, not a forecast. Full assumptions are inside the reading.One difficult year / Ten arrival points

All readings

01—02

The Contribution.

The same $300. Different years.

Gary starts sooner. Cindy keeps going. Follow what time and continued saving each add to the picture.

The Sequence.

When markets meet withdrawals.

Maria needs money through changing markets. Keep the returns. Move one year. See what remains.

General financial education. Fictional examples, not personalized retirement results.

From understanding to examination

See a force.Bring your own questions.

These readings make one idea visible at a time. Studio brings your own retirement structure into view, so its spending, timing, and assumptions can be examined together.

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