Scenario Comparison
Compare different strategies side-by-side to see what works best for your situation.
Scenario A: Optimized
Your SS Age:
68
Spouse SS Age:
67
Retirement Income Conversions:
Yes, years 1-5
Health Adjustment:
+2.0%
2,847,000
GH2 EDGE Score
94%
Success Rate
$245K
Legacy
$45K
Tax Savings
$25K
APTC Received
Scenario B: Early SS
Your SS Age:
62
Spouse SS Age:
62
Retirement Income Conversions:
No
Health Adjustment:
+2.0%
2,654,000
GH2 EDGE Score
-$193,000 vs Optimal
87%
Success Rate
$180K
Legacy
$0
Tax Savings
$0
APTC Received
Scenario C: Health Concern
Your SS Age:
64
Spouse SS Age:
67
Retirement Income Conversions:
Yes, years 1-3
Health Adjustment:
+6.0%
2,412,000
GH2 EDGE Score
-$435,000 vs Optimal
91%
Success Rate
$120K
Legacy
$28K
Tax Savings
$16K
APTC Received
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Key Differences
Delaying SS to age 68 vs claiming at 62 adds $193,000 in lifetime utility value. Early claiming reduces your monthly benefit by 30% permanently.
Retirement Income Conversions in Scenario A generate $45,000 in tax savings by filling low tax brackets in early retirement years and reducing future RMD burden.
Scenario B has a 7% higher risk of running out of money. Without Retirement Income Conversions, the higher RMDs at 73+ push you into higher tax brackets.
Scenario C (Health Concern) with +6% utility adjustment shows that claiming SS earlier at 64 becomes optimal when you value present consumption significantly more than future. The GH2 EDGE Score drops because you're discounting future money more heavily.