Ray for Retirees
Make your money last as long as you do
Fixed income, rising healthcare costs, and withdrawal math that changes every year. Ray monitors your portfolio and tells you when to adjust.
The challenge
Withdrawal rate uncertainty
The 4% rule is a starting point, not a plan. Market downturns, unexpected expenses, and inflation mean your safe withdrawal rate changes constantly.
Healthcare costs keep rising
Medicare doesn't cover everything. Supplemental insurance, prescriptions, and dental add up to $600+/month that wasn't in your original retirement plan.
Portfolio monitoring is stressful
You check your brokerage three times a day during market drops. You know you shouldn't make emotional decisions but you don't have a framework for when to actually worry.
Fixed income doesn't flex
Social Security plus pension is a fixed number. When inflation pushes grocery costs up 15%, your income doesn't move. Something has to give and you're not sure what.
How Ray helps
Dynamic withdrawal guidance
Ray calculates your sustainable withdrawal rate based on current portfolio value, spending, and market conditions — not a static rule from 1994.
❯ at my current spending, how long will my portfolio last?Healthcare cost tracking
Ray isolates and trends your healthcare spending so you can see the real growth rate and adjust your budget before it squeezes everything else.
❯ how much have my healthcare costs increased this year?Portfolio check without panic
Ask Ray how your portfolio is doing and get a calm, data-driven answer. It compares your drawdown to historical recoveries and tells you if action is needed.
❯ my portfolio dropped 8% — should I be worried?Inflation impact analysis
Ray tracks how inflation is actually hitting your specific spending categories, not the national average that doesn't reflect your grocery bill.
❯ how has inflation affected my actual spending this year?You're 68, retired for 3 years. Your portfolio dropped 12% this quarter and you're withdrawing $5,200/month. Your spouse needs a dental procedure that costs $4,800 out of pocket.
❯ with the market down, can we afford the dental work without running out of money?
Your portfolio is currently $680,000, down from $772,000 at its peak. At your current withdrawal rate of $5,200/month ($62,400/year), that's a 9.2% withdrawal rate — above the safe zone. However, you have $18,400 in your money market account that isn't invested. The $4,800 dental work from that account won't affect your portfolio. The bigger issue is the withdrawal rate: at 9.2%, your portfolio lasts roughly 14 years. Reducing withdrawals by $400/month (cutting discretionary spending) brings you to 8.5% and extends that to 17 years. Social Security's COLA adjustment in January should add $180/month, which helps further. The dental work is fine — but let's look at the monthly number.
Explore more
Ray for Couples
Joint accounts, separate accounts, shared goals, different spending habits. Ray sees all of it together and helps you make decisions as a team.
Ray for Parents
Childcare costs, education savings, growing expenses, and shrinking free time. Ray tracks it all so you can focus on your family.