True North is a planning tool that turns the assets you've already built into a clear, year-by-year withdrawal plan — accounting for taxes, sequence of returns, and the life you actually want to live.
Every account, every income source, every expense — laid out so the trade-offs become obvious instead of theoretical.
A withdrawal sequence that respects tax buckets and Required Minimum Distributions — without making you read a tax code.
Model what happens in a down market, an early death, a long-term-care year. See where the plan holds and where it bends.
Retirement income isn't one decision — it's hundreds of them, repeated yearly for thirty years. True North gives you a single place to make them, revisit them, and watch them compound into a plan.
Bring every account — taxable, tax-deferred, Roth, banking, pensions — into one inventory. Tag what's withdrawable, what's locked, and what's just sitting there earning.
Layer in Social Security, pensions, part-time work, and recurring expenses by year. Watch the gap between income and need — the gap your portfolio has to fill.
A year-by-year plan for which account to draw from, how much, and why — with Roth conversion windows, RMD timing, and bracket-aware sequencing built in.
Run your plan against a 2008, an early death, a long-term-care year. Compare side-by-side. Find the version of your plan that survives the worst version of the future.
Calm interface. Real numbers. No charts that pretend the future is smooth. Every screen is built around the question you're actually asking: will this be enough?
You don't have to fill out a 40-page risk tolerance questionnaire. Bring your accounts, tell us when you want to retire, and walk through what your years should look like.
Add the accounts you already have — retirement, brokerage, banking, real estate. Tag tax treatment. Set cost basis where it matters. About fifteen minutes for most households.
Tell us when you stop working, what you'll spend, when Social Security kicks in, and any pensions or part-time income. The model fills in the rest year by year.
Read your withdrawal sequence. Compare scenarios. Change a number. See what breaks and what holds. Come back next year and do it again — that's the whole loop.
True North is built for people who'd rather understand their own plan than outsource it to someone who charges 1% to look at it once a quarter. Best fit if:
The plan matters most in the decade around retirement. That's where True North earns its keep.
Taxable, Roth, tax-deferred, pensions, real estate. The more buckets, the more there is to sequence.
Not a Monte Carlo summary statistic. The actual sequence — what you draw, from where, in which year, and why.
Start your plan in under an hour. Map your assets and see your first-year withdrawal sequence — no card, no advisor, no obligation.