owlplanner 2025.5.30__py3-none-any.whl → 2025.6.21__py3-none-any.whl

owlplanner/abcapi.py

@@ -16,9 +16,9 @@ solvers for comparison.
 This approach has been successful with the MOSEK and the HiGHS solvers.
 A for matrix, B for bounds, C for constraints. Thus the name ABCAPI.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
 """
 

owlplanner/config.py

@@ -4,9 +4,10 @@ Owl/conftoml
 
 This file contains utility functions to save case parameters.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
 """
 
 import toml as toml

owlplanner/mylogging.py

@@ -4,9 +4,9 @@ Owl/logging
 
 This file contains routines for handling error messages.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
 """
 

owlplanner/plan.py

@@ -8,9 +8,10 @@ A retirement planner using linear programming optimization.
 See companion PDF document for an explanation of the underlying
 mathematical model and a description of all variables and parameters.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
 """
 
 ###########################################################################
@@ -303,11 +304,11 @@ class Plan(object):
         # Parameters from timeLists initialized to zero.
         self.omega_in = np.zeros((self.N_i, self.N_n))
         self.Lambda_in = np.zeros((self.N_i, self.N_n))
-        self.myRothX_in = np.zeros((self.N_i, self.N_n))
-        self.kappa_ijn = np.zeros((self.N_i, self.N_j, self.N_n))
+        self.myRothX_in = np.zeros((self.N_i, self.N_n + 5))
+        self.kappa_ijn = np.zeros((self.N_i, self.N_j, self.N_n + 5))
 
         # Previous 3 years for Medicare.
-        self.prevMAGI = np.zeros((3))
+        self.prevMAGI = np.zeros((2))
 
         # Init previous balance to none.
         self.beta_ij = None
@@ -498,7 +499,7 @@ class Plan(object):
     def setBeneficiaryFractions(self, phi):
         """
         Set fractions of savings accounts that is left to surviving spouse.
-        Default is [1, 1, 1] for taxable, tax-deferred, adn tax-exempt accounts.
+        Default is [1, 1, 1] for taxable, tax-deferred, and tax-free accounts.
         """
         if len(phi) != self.N_j:
             raise ValueError(f"Fractions must have {self.N_j} entries.")
@@ -901,7 +902,7 @@ class Plan(object):
         try:
             filename, self.timeLists = timelists.read(filename, self.inames, self.horizons, self.mylog)
         except Exception as e:
-            raise Exception(f"Unsuccessful read of contributions: {e}") from e
+            raise Exception(f"Unsuccessful read of Wages and Contributions: {e}") from e
 
         self.timeListsFileName = filename
         self.setContributions()
@@ -909,6 +910,9 @@ class Plan(object):
         return True
 
     def setContributions(self, timeLists=None):
+        """
+        If no argument is given, use the values that have been stored in self.timeLists.
+        """
         if timeLists is not None:
             timelists.check(timeLists, self.inames, self.horizons)
             self.timeLists = timeLists
@@ -916,14 +920,17 @@ class Plan(object):
         # Now fill in parameters which are in $.
         for i, iname in enumerate(self.inames):
             h = self.horizons[i]
-            self.omega_in[i, :h] = self.timeLists[iname]["anticipated wages"].iloc[:h]
-            self.kappa_ijn[i, 0, :h] = self.timeLists[iname]["taxable ctrb"].iloc[:h]
-            self.kappa_ijn[i, 1, :h] = self.timeLists[iname]["401k ctrb"].iloc[:h]
-            self.kappa_ijn[i, 2, :h] = self.timeLists[iname]["Roth 401k ctrb"].iloc[:h]
-            self.kappa_ijn[i, 1, :h] += self.timeLists[iname]["IRA ctrb"].iloc[:h]
-            self.kappa_ijn[i, 2, :h] += self.timeLists[iname]["Roth IRA ctrb"].iloc[:h]
-            self.myRothX_in[i, :h] = self.timeLists[iname]["Roth conv"].iloc[:h]
-            self.Lambda_in[i, :h] = self.timeLists[iname]["big-ticket items"].iloc[:h]
+            self.omega_in[i, :h] = self.timeLists[iname]["anticipated wages"].iloc[5:5+h]
+            self.Lambda_in[i, :h] = self.timeLists[iname]["big-ticket items"].iloc[5:5+h]
+
+            # Values for last 5 years of Roth conversion and contributions stored at the end
+            # of array and accessed with negative index.
+            self.kappa_ijn[i, 0, :h+5] = np.roll(self.timeLists[iname]["taxable ctrb"], -5)
+            self.kappa_ijn[i, 1, :h+5] = np.roll(self.timeLists[iname]["401k ctrb"], -5)
+            self.kappa_ijn[i, 1, :h+5] += np.roll(self.timeLists[iname]["IRA ctrb"], -5)
+            self.kappa_ijn[i, 2, :h+5] = np.roll(self.timeLists[iname]["Roth 401k ctrb"], -5)
+            self.kappa_ijn[i, 2, :h+5] += np.roll(self.timeLists[iname]["Roth IRA ctrb"], -5)
+            self.myRothX_in[i, :h+5] = np.roll(self.timeLists[iname]["Roth conv"], -5)
 
         self.caseStatus = "modified"
 
@@ -980,8 +987,9 @@ class Plan(object):
         ]
         for i, iname in enumerate(self.inames):
             h = self.horizons[i]
-            df = pd.DataFrame(0, index=np.arange(h), columns=cols)
-            df["year"] = self.year_n[:h]
+            df = pd.DataFrame(0, index=np.arange(0, h+5), columns=cols)
+            # df["year"] = self.year_n[:h]
+            df["year"] = np.arange(self.year_n[0] - 5, self.year_n[h-1]+1)
             self.timeLists[iname] = df
 
         self.caseStatus = "modified"
@@ -1074,8 +1082,6 @@ class Plan(object):
         Utility function that builds constraint matrix and vectors.
         Refactored for clarity and maintainability.
         """
-        self._setup_constraint_shortcuts(options)
-
         self.A = abc.ConstraintMatrix(self.nvars)
         self.B = abc.Bounds(self.nvars, self.nbins)
 
@@ -1084,6 +1090,7 @@ class Plan(object):
         self._add_standard_exemption_bounds()
         self._add_defunct_constraints()
         self._add_roth_conversion_constraints(options)
+        self._add_roth_maturation_constraints()
         self._add_withdrawal_limits()
         self._add_conversion_limits()
         self._add_objective_constraints(objective, options)
@@ -1098,12 +1105,6 @@ class Plan(object):
 
         return None
 
-    def _setup_constraint_shortcuts(self, options):
-        # Set up all the local variables as attributes for use in helpers.
-        oppCostX = options.get("oppCostX", 0.)
-        self.xnet = 1 - oppCostX / 100.
-        self.optionsUnits = u.getUnits(options.get("units", "k"))
-
     def _add_rmd_inequalities(self):
         for i in range(self.N_i):
             if self.beta_ij[i, 1] > 0:
@@ -1131,6 +1132,45 @@ class Plan(object):
                 for j in range(self.N_j):
                     self.B.setRange(_q3(self.C["w"], self.i_d, j, n, self.N_i, self.N_j, self.N_n), 0, 0)
 
+    def _add_roth_maturation_constraints(self):
+        """
+        Withdrawals from Roth accounts are subject to the 5-year rule for conversion.
+        Conversions and gains are subject to the 5-year rule since conversion.
+        Contributions can be withdrawn at any time (without 59.5 penalty) but
+        gains on contributions are subject to the 5-year rule since the opening of the account.
+        A retainer is put on all conversions and associated gains, and gains on all recent contributions.
+        """
+        # Assume 10% per year for contributions and conversions for past 5 years.
+        # Future years will use the assumed returns.
+        oldTau1 = 1.10
+        for i in range(self.N_i):
+            h = self.horizons[i]
+            for n in range(h):
+                rhs = 0
+                # To add compounded gains to original amount.
+                cgains = 1
+                row = self.A.newRow()
+                row.addElem(_q3(self.C["b"], i, 2, n, self.N_i, self.N_j, self.N_n + 1), 1)
+                row.addElem(_q3(self.C["w"], i, 2, n, self.N_i, self.N_j, self.N_n), -1)
+                for dn in range(1, 6):
+                    nn = n - dn
+                    if nn < 0:  # Past of future is in the past:
+                        # Parameters are stored at the end of contributions and conversions arrays.
+                        cgains *= oldTau1
+                        # If only an contribution - without conversion.
+                        # rhs += (cgains - 1) * self.kappa_ijn[i, 2, nn] + cgains * self.myRothX_in[i, nn]
+                        rhs += cgains * self.kappa_ijn[i, 2, nn] + cgains * self.myRothX_in[i, nn]
+                    else:       # Past of future is in the future: use variables and parameters.
+                        ksum2 = np.sum(self.alpha_ijkn[i, 2, :, nn] * self.tau_kn[:, nn], axis=0)
+                        Tau1 = 1 + ksum2
+                        cgains *= Tau1
+                        row.addElem(_q2(self.C["x"], i, nn, self.N_i, self.N_n), -cgains)
+                        # If only a contribution - without conversion.
+                        # rhs += (cgains - 1) * self.kappa_ijn[i, 2, nn]
+                        rhs += cgains * self.kappa_ijn[i, 2, nn]
+
+                self.A.addRow(row, rhs, np.inf)
+
     def _add_roth_conversion_constraints(self, options):
         if "maxRothConversion" in options and options["maxRothConversion"] == "file":
             for i in range(self.N_i):
@@ -1579,14 +1619,18 @@ class Plan(object):
         if objective == "maxSpending" and "bequest" not in myoptions:
             self.mylog.vprint("Using bequest of $1.")
 
-        self.prevMAGI = np.zeros(3)
+        self.optionsUnits = u.getUnits(myoptions.get("units", "k"))
+
+        oppCostX = options.get("oppCostX", 0.)
+        self.xnet = 1 - oppCostX / 100.
+
+        self.prevMAGI = np.zeros(2)
         if "previousMAGIs" in myoptions:
             magi = myoptions["previousMAGIs"]
-            if len(magi) != 3:
-                raise ValueError("previousMAGIs must have 3 values.")
+            if 3 < len(magi) < 2:
+                raise ValueError("previousMAGIs must have 2 values.")
 
-            units = u.getUnits(options.get("units", "k"))
-            self.prevMAGI = units * np.array(magi)
+            self.prevMAGI = self.optionsUnits * np.array(magi)
 
         lambdha = myoptions.get("spendingSlack", 0)
         if lambdha < 0 or lambdha > 50:
@@ -1949,7 +1993,7 @@ class Plan(object):
         self.Q_n = np.sum(
             (
                 self.mu
-                * (self.b_ijn[:, 0, :-1] - self.w_ijn[:, 0, :] + self.d_in[:, :] + 0.5 * self.kappa_ijn[:, 0, :])
+                * (self.b_ijn[:, 0, :-1] - self.w_ijn[:, 0, :] + self.d_in[:, :] + 0.5 * self.kappa_ijn[:, 0, :Nn])
                 + tau_0prev * self.w_ijn[:, 0, :]
             )
             * self.alpha_ijkn[:, 0, 0, :-1],
@@ -2058,7 +2102,7 @@ class Plan(object):
         dic = {}
         # Results
         dic["Plan name"] = self._name
-        dic["Net yearly spending basis"] = u.d(self.g_n[0] / self.xi_n[0])
+        dic["Net yearly spending basis" + 26*" ."] = u.d(self.g_n[0] / self.xi_n[0])
         dic[f"Net spending for year {now}"] = u.d(self.g_n[0])
         dic[f"Net spending remaining in year {now}"] = u.d(self.g_n[0] * self.yearFracLeft)
 
@@ -2370,7 +2414,7 @@ class Plan(object):
         the default behavior of setDefaultPlots().
         """
         value = self._checkValue(value)
-        title = self._name + "\nIncome Tax"
+        title = self._name + "\nFederal Income Tax"
         if tag:
             title += " - " + tag
         # All taxes: ordinary income and dividends.
@@ -2489,16 +2533,16 @@ class Plan(object):
         # Account balances except final year.
         accDic = {
             "taxable bal": self.b_ijn[:, 0, :-1],
-            "taxable ctrb": self.kappa_ijn[:, 0, :],
+            "taxable ctrb": self.kappa_ijn[:, 0, :self.N_n],
             "taxable dep": self.d_in,
             "taxable wdrwl": self.w_ijn[:, 0, :],
             "tax-deferred bal": self.b_ijn[:, 1, :-1],
-            "tax-deferred ctrb": self.kappa_ijn[:, 1, :],
+            "tax-deferred ctrb": self.kappa_ijn[:, 1, :self.N_n],
             "tax-deferred wdrwl": self.w_ijn[:, 1, :],
             "(included RMDs)": self.rmd_in[:, :],
             "Roth conv": self.x_in,
             "tax-free bal": self.b_ijn[:, 2, :-1],
-            "tax-free ctrb": self.kappa_ijn[:, 2, :],
+            "tax-free ctrb": self.kappa_ijn[:, 2, :self.N_n],
             "tax-free wdrwl": self.w_ijn[:, 2, :],
         }
         for i in range(self.N_i):
@@ -2595,12 +2639,12 @@ class Plan(object):
             planData[self.inames[i] + " txbl dep"] = self.d_in[i, :]
             planData[self.inames[i] + " txbl wrdwl"] = self.w_ijn[i, 0, :]
             planData[self.inames[i] + " tx-def bal"] = self.b_ijn[i, 1, :-1]
-            planData[self.inames[i] + " tx-def ctrb"] = self.kappa_ijn[i, 1, :]
+            planData[self.inames[i] + " tx-def ctrb"] = self.kappa_ijn[i, 1, :self.N_n]
             planData[self.inames[i] + " tx-def wdrl"] = self.w_ijn[i, 1, :]
             planData[self.inames[i] + " (RMD)"] = self.rmd_in[i, :]
             planData[self.inames[i] + " Roth conv"] = self.x_in[i, :]
             planData[self.inames[i] + " tx-free bal"] = self.b_ijn[i, 2, :-1]
-            planData[self.inames[i] + " tx-free ctrb"] = self.kappa_ijn[i, 2, :]
+            planData[self.inames[i] + " tx-free ctrb"] = self.kappa_ijn[i, 2, :self.N_n]
             planData[self.inames[i] + " tax-free wdrwl"] = self.w_ijn[i, 2, :]
             planData[self.inames[i] + " big-ticket items"] = self.Lambda_in[i, :]
 

owlplanner/plotting/__init__.py

@@ -1,5 +1,10 @@
 """
 Plotting backends for Owl.
+
+Copyright © 2025 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
+
 """
 
 from .factory import PlotFactory

owlplanner/plotting/base.py

@@ -1,5 +1,10 @@
 """
 Base classes for plot backends.
+
+Copyright © 2025 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
+
 """
 
 from abc import ABC, abstractmethod

owlplanner/plotting/factory.py

@@ -1,5 +1,10 @@
 """
 Factory for creating plot backends.
+
+Copyright © 2025 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
+
 """
 
 from .base import PlotBackend

owlplanner/plotting/matplotlib_backend.py

@@ -1,5 +1,10 @@
 """
 Matplotlib implementation of plot backend.
+
+Copyright © 2025 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
+
 """
 
 import numpy as np
@@ -372,17 +377,19 @@ class MatplotlibBackend(PlotBackend):
             raise ValueError(f"Unknown coordination {ARCoord}.")
         figures = []
         assetDic = {"stocks": 0, "C bonds": 1, "T notes": 2, "common": 3}
+        blank = ["", ""]
         for i in range(count):
             y2stack = {}
             for acType in acList:
                 stackNames = []
                 for key in assetDic:
-                    aname = key + " / " + acType
+                    # aname = key + " / " + acType
+                    aname = key
                     stackNames.append(aname)
                     y2stack[aname] = np.zeros((count, len(year_n)))
                     y2stack[aname][i][:] = alpha_ijkn[i, acList.index(acType), assetDic[key], : len(year_n)]
-                t = title + f" - {acType}"
-                fig, ax = self._stack_plot(year_n, inames, t, [i], y2stack, stackNames, "upper left", "percent")
+                t = title + f" - {acType} {inames[i]}"
+                fig, ax = self._stack_plot(year_n, blank, t, [i], y2stack, stackNames, "upper left", "percent")
                 figures.append(fig)
 
         return figures

owlplanner/plotting/plotly_backend.py

@@ -1,5 +1,10 @@
 """
 Plotly implementation of plot backend.
+
+Copyright © 2025 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
+
 """
 
 import numpy as np
@@ -815,7 +820,8 @@ class PlotlyBackend(PlotBackend):
                 stack_data = []
                 stack_names = []
                 for key in assetDic:
-                    aname = f"{key} / {acType}"
+                    # aname = f"{key} / {acType}"
+                    aname = key
                     stack_names.append(aname)
 
                     # Get allocation data
@@ -834,7 +840,7 @@ class PlotlyBackend(PlotBackend):
                     ))
 
                 # Update layout
-                plot_title = f"{title} - {acType}"
+                plot_title = f"{title} - {acType} {inames[i]}"
                 fig.update_layout(
                     title=plot_title,
                     # xaxis_title="year",

owlplanner/progress.py

@@ -1,6 +1,10 @@
 """
 A simple object to display progress.
 
+Copyright © 2024 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
+
 """
 
 from owlplanner import utils as u

owlplanner/rates.py

@@ -21,11 +21,10 @@ Rate lists will need to be updated with values for current year.
 When doing so, the TO bound defined below will need to be adjusted
 to the last current data year.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
 
-Last updated: Jan 2025
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
 """
 
 ###################################################################

owlplanner/tax2025.py

@@ -10,9 +10,10 @@ of all variables and parameters.
 
 Module to handle all tax calculations.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
 """
 
 import numpy as np
@@ -93,9 +94,9 @@ def mediCosts(yobs, horizons, magi, prevmagi, gamma_n, Nn):
         status = 0 if Ni == 1 else 1 if n < horizons[0] and n < horizons[1] else 0
         for i in range(Ni):
             if thisyear + n - yobs[i] >= 65 and n < horizons[i]:
-                # Start with the (indexed) basic Medicare part B premium.
+                # Start with the (inflation-adjusted) basic Medicare part B premium.
                 costs[n] += gamma_n[n] * irmaaFees[0]
-                if n < 3:
+                if n < 2:
                     mymagi = prevmagi[n]
                 else:
                     mymagi = magi[n - 2]

owlplanner/timelists.py

@@ -10,9 +10,10 @@ of all variables and parameters.
 
 Utility functions to read and check timelists.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
+
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
 """
 
 from datetime import date
@@ -20,7 +21,7 @@ import pandas as pd
 
 
 # Expected headers in each excel sheet, one per individual.
-timeHorizonItems = [
+_timeHorizonItems = [
     "year",
     "anticipated wages",
     "taxable ctrb",
@@ -47,7 +48,7 @@ def read(finput, inames, horizons, mylog):
     mylog.vprint("Reading wages, contributions, conversions, and big-ticket items over time...")
 
     if isinstance(finput, dict):
-        timeLists = finput
+        dfDict = finput
         finput = "dictionary of DataFrames"
         streamName = "dictionary of DataFrames"
     else:
@@ -58,14 +59,14 @@ def read(finput, inames, horizons, mylog):
             raise Exception(f"Could not read file {finput}: {e}.") from e
         streamName = f"file '{finput}'"
 
-        timeLists = condition(dfDict, inames, horizons, mylog)
+    timeLists = _condition(dfDict, inames, horizons, mylog)
 
     mylog.vprint(f"Successfully read time horizons from {streamName}.")
 
     return finput, timeLists
 
 
-def condition(dfDict, inames, horizons, mylog):
+def _condition(dfDict, inames, horizons, mylog):
     """
     Make sure that time horizons contain all years up to life expectancy,
     and that values are positive (except big-ticket items).
@@ -82,24 +83,24 @@ def condition(dfDict, inames, horizons, mylog):
 
         df = df.loc[:, ~df.columns.str.contains("^Unnamed")]
         for col in df.columns:
-            if col == "" or col not in timeHorizonItems:
+            if col == "" or col not in _timeHorizonItems:
                 df.drop(col, axis=1, inplace=True)
 
-        for item in timeHorizonItems:
+        for item in _timeHorizonItems:
             if item not in df.columns:
                 raise ValueError(f"Item {item} not found for {iname}.")
 
-        # Only consider lines in proper year range.
-        df = df[df["year"] >= thisyear]
+        # Only consider lines in proper year range. Go back 5 years for Roth maturation.
+        df = df[df["year"] >= (thisyear - 5)]
         df = df[df["year"] < endyear]
         missing = []
-        for n in range(horizons[i]):
+        for n in range(-5, horizons[i]):
             year = thisyear + n
             if not (df[df["year"] == year]).any(axis=None):
                 df.loc[len(df)] = [year, 0, 0, 0, 0, 0, 0, 0, 0]
                 missing.append(year)
             else:
-                for item in timeHorizonItems:
+                for item in _timeHorizonItems:
                     if item != "big-ticket items" and df[item].iloc[n] < 0:
                         raise ValueError(f"Item {item} for {iname} in year {df['year'].iloc[n]} is < 0.")
 

owlplanner/utils.py

@@ -4,9 +4,9 @@ Owl/utils
 
 This file contains functions for handling data.
 
-Copyright (C) 2024 -- Martin-D. Lacasse
+Copyright © 2024 - Martin-D. Lacasse
 
-Disclaimer: This program comes with no guarantee. Use at your own risk.
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
 
 """
 

owlplanner/version.py

@@ -1 +1 @@
-__version__ = "2025.05.30"
+__version__ = "2025.06.21"

{owlplanner-2025.5.30.dist-info → owlplanner-2025.6.21.dist-info}/METADATA

@@ -1,6 +1,6 @@
 Metadata-Version: 2.4
 Name: owlplanner
-Version: 2025.5.30
+Version: 2025.6.21
 Summary: Owl: Retirement planner with great wisdom
 Project-URL: HomePage, https://github.com/mdlacasse/owl
 Project-URL: Repository, https://github.com/mdlacasse/owl
@@ -748,13 +748,6 @@ This is exactly where this tool fits it. Given your savings capabilities and spe
 it can generate different future realizations of
 your strategy under different market assumptions, helping to better understand your financial situation.
 
-Disclaimers: I am not a financial planner. You make your own decisions.
-This program comes with no guarantee. Use at your own risk.
-
-More disclaimers: While some output of the code has been verified with other approaches,
-this code is still under development and I cannot guarantee the accuracy of the results.
-Use at your own risk.
-
 -------------------------------------------------------------------------------------
 ## Purpose and vision
 The goal of Owl is to create a free and open-source ecosystem that has cutting-edge optimization capabilities,
@@ -839,11 +832,13 @@ an Excel spreadsheet that contains future wages, contributions
 to savings accounts, and planned *big-ticket items* such as the purchase of a lake house,
 the sale of a boat, large gifts, or inheritance.
 
-Three types of savings accounts are considered: taxable, tax-deferred, and tax-exempt,
+Three types of savings accounts are considered: taxable, tax-deferred, and tax-free,
 which are all tracked separately for married individuals. Asset transition to the surviving spouse
 is done according to beneficiary fractions for each type of savings account.
 Tax status covers married filing jointly and single, depending on the number of individuals reported.
 
+Maturation rules for Roth contributions and conversions are implemented as constraints
+limiting withdrawal amounts to cover Roth account balances for 5 years after the events.
 Medicare and IRMAA calculations are performed through a self-consistent loop on cash flow constraints.
 Future values are simple projections of current values with the assumed inflation rates.
 
@@ -892,14 +887,16 @@ assets to support, even with no estate being left.
 - Streamlit Community Cloud [Streamlit](https://streamlit.io)
 - Contributors: Josh (noimjosh@gmail.com) for Docker image code,
  Dale Seng (sengsational) for great insights and suggestions,
- Robert E. Anderson (NH-RedAnt) for bug fixes and suggestions.
+ Robert E. Anderson (NH-RedAnt) for bug fixes and suggestions, Clark Jefcoat (hubcity) for fruitful interactions.
 
 ---------------------------------------------------------------------
 
 Copyright © 2024 - Martin-D. Lacasse
 
-Disclaimers: I am not a financial planner. You make your own decisions.
-This program comes with no guarantee. Use at your own risk.
+Disclaimers: This code is for educatonal purposes only and does not constitute financial advice.
+
+Code output has been verified with analytical solutions when applicable, and comparative approaches otherwise.
+Nevertheless, accuracy of results is not guaranteed.
 
 --------------------------------------------------------
 

owlplanner-2025.6.21.dist-info/RECORD

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owlplanner-2025.5.30.dist-info/RECORD

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