Parallel Wealth

Using overly conservative assumptions can make retirement feel further away than it actually is.

The goal is not to build a plan that is overly optimistic or overly cautious. It is to use reasonable assumptions that help you make confident decisions without adding unnecessary stress.

A zero-tax year might feel like a win, but in retirement it can sometimes mean a missed planning opportunity.

Sometimes paying a little tax today can help avoid a bigger tax problem later.