{
  "version": "2026-09-16",
  "startYear": 2026,
  "seed": 20260916,
  "runCount": 500,
  "scenario": {
    "id": "guide-example-2026",
    "name": "Synthetic guide household",
    "variant": "base",
    "household": {
      "state": "WA",
      "filingStatus": "single",
      "planningHorizonAge": 90,
      "people": [
        {
          "name": "Example",
          "currentAge": 60,
          "retirementAge": 60
        }
      ]
    },
    "assets": [
      {
        "id": "cash",
        "label": "Cash",
        "type": "cash",
        "balance": 100000,
        "annualReturn": 0.02,
        "liquid": true
      },
      {
        "id": "taxable",
        "label": "Brokerage",
        "type": "taxable",
        "balance": 500000,
        "costBasis": 400000,
        "annualReturn": 0.05,
        "liquid": true
      },
      {
        "id": "ira",
        "label": "Traditional IRA",
        "type": "pretax",
        "retirementAccountKind": "traditional_ira",
        "ownerIndex": 0,
        "balance": 800000,
        "annualReturn": 0.05,
        "availableAge": 59.5,
        "liquid": true
      },
      {
        "id": "roth",
        "label": "Roth",
        "type": "roth",
        "retirementAccountKind": "roth_ira",
        "ownerIndex": 0,
        "balance": 100000,
        "annualReturn": 0.05,
        "liquid": true
      }
    ],
    "liabilities": [],
    "borrowingPlans": [],
    "plannedEvents": [],
    "income": [
      {
        "id": "ss",
        "label": "Social Security",
        "type": "social_security",
        "annualAmount": 36000,
        "startAge": 67,
        "taxable": false,
        "inflationRate": 0.02
      }
    ],
    "expenses": [
      {
        "id": "core",
        "label": "Living costs",
        "type": "core",
        "annualAmount": 60000,
        "inflationRate": 0.025
      },
      {
        "id": "health",
        "label": "Before Medicare",
        "type": "healthcare",
        "annualAmount": 12000,
        "endAge": 64,
        "inflationRate": 0.04
      },
      {
        "id": "medicare",
        "label": "Medicare years",
        "type": "healthcare",
        "annualAmount": 6000,
        "startAge": 65,
        "inflationRate": 0.04
      },
      {
        "id": "travel",
        "label": "Travel",
        "type": "travel",
        "annualAmount": 8000,
        "inflationRate": 0.025
      }
    ],
    "assumptions": {
      "generalInflation": 0.025,
      "healthcareInflation": 0.04,
      "stateTaxRate": 0,
      "cashBufferYears": 1,
      "concentratedStockRiskThreshold": 0.25,
      "rmdAge": 75,
      "safetyRunway": {
        "preset": "balanced",
        "cashMonths": 12,
        "safeReserveMonths": 24
      },
      "spendingFlexibilityPercent": 0.1,
      "monteCarloProfile": "balanced"
    }
  },
  "conversionScenario": {
    "id": "guide-example-2026",
    "name": "Synthetic guide household",
    "variant": "base",
    "household": {
      "state": "WA",
      "filingStatus": "single",
      "planningHorizonAge": 90,
      "people": [
        {
          "name": "Example",
          "currentAge": 60,
          "retirementAge": 60
        }
      ]
    },
    "assets": [
      {
        "id": "cash",
        "label": "Cash",
        "type": "cash",
        "balance": 100000,
        "annualReturn": 0.02,
        "liquid": true
      },
      {
        "id": "taxable",
        "label": "Brokerage",
        "type": "taxable",
        "balance": 500000,
        "costBasis": 400000,
        "annualReturn": 0.05,
        "liquid": true
      },
      {
        "id": "ira",
        "label": "Traditional IRA",
        "type": "pretax",
        "retirementAccountKind": "traditional_ira",
        "ownerIndex": 0,
        "balance": 800000,
        "annualReturn": 0.05,
        "availableAge": 59.5,
        "liquid": true
      },
      {
        "id": "roth",
        "label": "Roth",
        "type": "roth",
        "retirementAccountKind": "roth_ira",
        "ownerIndex": 0,
        "balance": 100000,
        "annualReturn": 0.05,
        "liquid": true
      }
    ],
    "liabilities": [],
    "borrowingPlans": [],
    "plannedEvents": [],
    "income": [
      {
        "id": "ss",
        "label": "Social Security",
        "type": "social_security",
        "annualAmount": 36000,
        "startAge": 67,
        "taxable": false,
        "inflationRate": 0.02
      }
    ],
    "expenses": [
      {
        "id": "core",
        "label": "Living costs",
        "type": "core",
        "annualAmount": 60000,
        "inflationRate": 0.025
      },
      {
        "id": "health",
        "label": "Before Medicare",
        "type": "healthcare",
        "annualAmount": 12000,
        "endAge": 64,
        "inflationRate": 0.04
      },
      {
        "id": "medicare",
        "label": "Medicare years",
        "type": "healthcare",
        "annualAmount": 6000,
        "startAge": 65,
        "inflationRate": 0.04
      },
      {
        "id": "travel",
        "label": "Travel",
        "type": "travel",
        "annualAmount": 8000,
        "inflationRate": 0.025
      }
    ],
    "assumptions": {
      "generalInflation": 0.025,
      "healthcareInflation": 0.04,
      "stateTaxRate": 0,
      "cashBufferYears": 1,
      "concentratedStockRiskThreshold": 0.25,
      "rmdAge": 75,
      "safetyRunway": {
        "preset": "balanced",
        "cashMonths": 12,
        "safeReserveMonths": 24
      },
      "spendingFlexibilityPercent": 0.1,
      "monteCarloProfile": "balanced"
    },
    "taxPlanning": {
      "annualRothConversion": 30000,
      "conversionStartAge": 60,
      "conversionEndAge": 64,
      "annualQcd": 0,
      "qcdStartAge": 71,
      "withdrawalStrategy": "taxable_first"
    }
  },
  "monteCarlo": {
    "runCount": 500,
    "successProbability": 0.694,
    "runoutProbability": 0.306,
    "medianEndingLiquid": 619362.3652794171,
    "stressEndingLiquid": 0,
    "criticalScenarios": [
      {
        "key": "p5",
        "label": "Severe downside path",
        "percentile": 0.05,
        "endingLiquid": 0,
        "runoutYear": 2048
      },
      {
        "key": "p10",
        "label": "Poor market sequence",
        "percentile": 0.1,
        "endingLiquid": 0,
        "runoutYear": 2051
      },
      {
        "key": "p50",
        "label": "Typical modeled path",
        "percentile": 0.5,
        "endingLiquid": 620872.5980453414
      }
    ],
    "flexibleSpendingStressYears": 2560,
    "commonRunoutWindow": {
      "startYear": 2050,
      "endYear": 2054,
      "runCount": 73,
      "probability": 0.146
    },
    "downsideRunoutYear": 2055,
    "tailRiskRunoutYear": 2051
  },
  "noConversion": {
    "firstYearConversion": 0,
    "firstYearTax": 0,
    "firstYearCashWithdrawal": 80000,
    "firstYearEndingLiquid": 1490400,
    "firstRmd": 50580.2081795983,
    "firstRmdYear": 2041,
    "lifetimeNominalTax": 309056.669339096,
    "endingLiquid": 928440.4570630086,
    "firstShortfallYear": null,
    "firstShortfall": 0
  },
  "conversion": {
    "firstYearConversion": 30000,
    "firstYearTax": 1420,
    "firstYearCashWithdrawal": 81420,
    "firstYearEndingLiquid": 1488951.6,
    "firstRmd": 38438.75459210242,
    "firstRmdYear": 2041,
    "lifetimeNominalTax": 289361.15310090943,
    "endingLiquid": 925580.0703330025,
    "firstShortfallYear": null,
    "firstShortfall": 0
  }
}