Brackets 101 · Provisional income · The $1→$1.85 multiplier · IRMAA · The survivor reality. The conceptual foundation that makes every other tool make sense.

Spend-down simulation showing the compounding impact of fees and sequence-of-returns risk on TIME — not just returns. The urgency that opens every conversation.

Structure Over Strategy demonstration engine. Progressive reveal of Turbo 1, Phase 2, Income Stress Test, and lifetime CAGR comparison.

Sacrificial capital vs conventional portfolio comparison. Full Journey (Turbo 1 → 2) and Late Start scenarios. Shows capital liberated from income obligation.