owlplanner 2025.8.1__tar.gz → 2025.9.15__tar.gz

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/PKG-INFO

@@ -1,6 +1,6 @@
 Metadata-Version: 2.4
 Name: owlplanner
-Version: 2025.8.1
+Version: 2025.9.15
 Summary: Owl: Retirement planner with great wisdom
 Project-URL: HomePage, https://github.com/mdlacasse/owl
 Project-URL: Repository, https://github.com/mdlacasse/owl
@@ -744,7 +744,7 @@ Look at *Basic capabilities* below for more detail.
 One can certainly have a savings plan, but due to the volatility of financial investments,
 it is impossible to have a certain asset earnings plan. This does not mean one cannot make decisions.
 These decisions need to be guided with an understanding of the sensitivity of the parameters.
-This is exactly where this tool fits it. Given your savings capabilities and spending desires,
+This is exactly where this tool fits in. Given your savings capabilities and spending desires,
 it can generate different future realizations of
 your strategy under different market assumptions, helping to better understand your financial situation.
 

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/README.md

@@ -38,7 +38,7 @@ Look at *Basic capabilities* below for more detail.
 One can certainly have a savings plan, but due to the volatility of financial investments,
 it is impossible to have a certain asset earnings plan. This does not mean one cannot make decisions.
 These decisions need to be guided with an understanding of the sensitivity of the parameters.
-This is exactly where this tool fits it. Given your savings capabilities and spending desires,
+This is exactly where this tool fits in. Given your savings capabilities and spending desires,
 it can generate different future realizations of
 your strategy under different market assumptions, helping to better understand your financial situation.
 

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/examples/case_drawdowncalc-comparison-1.toml

@@ -1,5 +1,5 @@
 "Plan Name" = "drawdowncalc-comparison-1"
-Description = "This is a case involving a single individual. Case is used for comparing with @hugcity's DrawdownCalc. For max bequest, it should yield $90,792, while an $80k net spending should leave $673,156 as a bequest."
+Description = "This is a case involving a single individual. Case is used for comparing with @hugcity's DrawdownCalc. For max bequest, it should yield $90,882, while an $80k net spending should leave $678,625 as a bequest."
 
 ["Basic Info"]
 Status = "single"
@@ -51,6 +51,7 @@ startRothConversions = 2025
 withSCLoop = false
 solver = "HiGHS"
 spendingSlack = 0
+withMedicare = "None"
 
 [Results]
 "Default plots" = "today"

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/pyproject.toml

@@ -4,7 +4,7 @@ build-backend = "hatchling.build"
 
 [project]
 name = "owlplanner"
-version = "2025.08.01"
+version = "2025.09.15"
 authors = [
   { name="Martin-D. Lacasse", email="martin.d.lacasse@gmail.com" },
 ]

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/requirements.txt

@@ -8,5 +8,5 @@ odfpy
 plotly
 pulp
 scipy
-streamlit >= 1.46.1
+streamlit >= 1.49
 toml

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/src/owlplanner/config.py

@@ -296,6 +296,10 @@ def readConfig(file, *, verbose=True, logstreams=None, readContributions=True):
     # Solver Options.
     p.solverOptions = diconf["Solver Options"]
 
+    # Address legacy case files.
+    if diconf["Solver Options"].get("withMedicare", None) is True:
+        p.solverOptions["withMedicare"] = "loop"
+
     # Check consistency of noRothConversions.
     name = p.solverOptions.get("noRothConversions", "None")
     if name != "None" and name not in p.inames:

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/src/owlplanner/plan.py

@@ -1021,7 +1021,7 @@ class Plan(object):
         Refer to companion document for explanations.
         All binary variables must be lumped at the end of the vector.
         """
-        medi = options.get("optimizeMedicare", False)
+        medi = options.get("withMedicare", "loop") == "optimize"
 
         # Stack all variables in a single block vector with all binary variables at the end.
         C = {}
@@ -1386,7 +1386,7 @@ class Plan(object):
                 self.B.setRange(_q3(self.C["zx"], i, n, 1, self.N_i, self.N_n, self.N_zx), 0, 0)
 
     def _configure_Medicare_binary_variables(self, options):
-        if not options.get("optimizeMedicare", False):
+        if options.get("withMedicare", "loop") != "optimize":
             return
 
         bigM = options.get("bigM", 5e6)
@@ -1444,7 +1444,7 @@ class Plan(object):
                 self.A.addRow(row2, -np.inf, rhs2)
 
     def _add_Medicare_costs(self, options):
-        if not options.get("optimizeMedicare", False):
+        if options.get("withMedicare", "loop") != "optimize":
             return
 
         for n in range(self.nm):
@@ -1627,7 +1627,7 @@ class Plan(object):
             "netSpending",
             "noRothConversions",
             "oppCostX",
-            "optimizeMedicare",
+            "withMedicare",
             "previousMAGIs",
             "solver",
             "spendingSlack",
@@ -1635,7 +1635,6 @@ class Plan(object):
             "units",
             "xorConstraints",
             "withSCLoop",
-            "withMedicare",    # Ignore keyword.
         ]
         # We might modify options if required.
         options = {} if options is None else options
@@ -1713,7 +1712,7 @@ class Plan(object):
         """
         Self-consistent loop, regardless of solver.
         """
-        optimizeMedicare = options.get("optimizeMedicare", False)
+        includeMedicare = options.get("withMedicare", "loop") == "loop"
         withSCLoop = options.get("withSCLoop", True)
 
         if objective == "maxSpending":
@@ -1724,7 +1723,7 @@ class Plan(object):
         it = 0
         old_x = np.zeros(self.nvars)
         old_objfns = [np.inf]
-        self._computeNLstuff(None, optimizeMedicare)
+        self._computeNLstuff(None, includeMedicare)
         while True:
             objfn, xx, solverSuccess, solverMsg = solverMethod(objective, options)
 
@@ -1735,7 +1734,7 @@ class Plan(object):
             if not withSCLoop:
                 break
 
-            self._computeNLstuff(xx, optimizeMedicare)
+            self._computeNLstuff(xx, includeMedicare)
 
             delta = xx - old_x
             absSolDiff = np.sum(np.abs(delta), axis=0)/100
@@ -1955,7 +1954,7 @@ class Plan(object):
 
         return J_n
 
-    def _computeNLstuff(self, x, optimizeMedicare):
+    def _computeNLstuff(self, x, includeMedicare):
         """
         Compute MAGI, Medicare costs, long-term capital gain tax rate, and
         net investment income tax (NIIT).
@@ -1972,7 +1971,7 @@ class Plan(object):
         self.J_n = self._computeNIIT(self.MAGI_n, self.I_n, self.Q_n)
         self.psi_n = tx.capitalGainTaxRate(self.N_i, self.MAGI_n, self.gamma_n[:-1], self.n_d, self.N_n)
         # Compute Medicare through self-consistent loop.
-        if not optimizeMedicare:
+        if includeMedicare:
             self.M_n = tx.mediCosts(self.yobs, self.horizons, self.MAGI_n, self.prevMAGI, self.gamma_n[:-1], self.N_n)
 
         return None

owlplanner-2025.9.15/src/owlplanner/version.py

@@ -0,0 +1 @@
+__version__ = "2025.09.15"

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/ui/Documentation.py

@@ -400,27 +400,23 @@ no Roth conversions will be allowed before the year specified.
 A self-consistent loop is used to compute values that are difficult
 to integrate into a linear program. These includes the net investment income tax (NIIT),
 the rate on capital gains (0, 15, or 20%), the phase out of the additional exemption for seniors,
-and the Medicare and IRMAA premiums.
+and potentially the Medicare and IRMAA premiums.
 Turning off the self-consistent loop will default all these values to zero.
+
 An additional setting allows to turn off mutually exclusive operations,
 such as Roth conversions and withdrawals from the tax-free account.
-Surprinsingly, dropping these constraints can lead to slightly different optimal points.
-
-Mutually exclusive constraints can be imposed between Roth conversions and
-withdrawals from tax-free accounts. Similarly, withdrawals from taxable
-and tax-free accounts should not exist if there is a surplus.
 Enabling these mutually exclusive constraints avoids both these situations.
-Enabling these constraints will slightly increase the computation time due to the
-binary variables involved. Also, the resulting optimized values will be slightly
-different between cases with the constraints on or off for reasons that escape me.
+Surprinsingly, dropping these constraints can lead to slightly different optimal points
+for reasons that escape me.
 
 Medicare premiums start automatically in the year each individual reach age 65.
-Calculations of Medicare and IRMAA can either be optimized or be calculated through
-the self-consistent loop.
-Optimizing (as opposed to calculating) Medicare and IRMAA is slower given
+Calculations of Medicare and IRMAA can be turned off, calculated through
+the self-consistent loop, or be integrated into the optimization.
+Optimizing (as opposed to calculating) Medicare and IRMAA can sometimes be much slower given
 the additional number of binary variables involved. This option should be used
-for a single case, and compared with results obtained from the self-consistent calculations.
-Medicare optimization should not be used when running Monte Carlo simulations.
+for a single case, and compared with results obtained from self-consistent calculations.
+Medicare optimization should not be used when running multiple scenarios such
+as in Monte Carlo simulations.
 
 If the current age of any individual in the plan makes them eligible
 for Medicare within the next two years,

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/ui/Optimization_Parameters.py

@@ -11,6 +11,8 @@ kz.initKey("survivor", 60)
 kz.initKey("smileDip", 15)
 kz.initKey("smileIncrease", 12)
 kz.initKey("smileDelay", 0)
+mediChoices = ["None", "loop", "optimize"]
+kz.initKey("withMedicare", mediChoices[1])
 
 
 def initProfile():
@@ -78,8 +80,8 @@ else:
     col1, col2 = st.columns(2, gap="large", vertical_alignment="top")
     with col1:
         helpmsg = ("Option to use a self-consistent loop to adjust additional values such as the net"
-                   " investment income tax (NIIT), and adjust capital gain tax rates."
-                   "  This loop also computes Medicare and IRMAA if not optimized.")
+                   " investment income tax (NIIT), and capital gain tax rates."
+                   "  If selected below, this loop will also compute Medicare and IRMAA.")
         ret = kz.getToggle("Self-consistent loop calculations", "withSCLoop", help=helpmsg)
     with col2:
         helpmsg = ("Enable mutually exclusive constraints between surplus deposits,"
@@ -89,16 +91,19 @@ else:
 
     st.divider()
     st.write("#### :orange[Medicare]")
-    kz.initKey("optimizeMedicare", False)
     col1, col2 = st.columns(2, gap="large", vertical_alignment="top")
-    with col2:
-        st.markdown("##### :material/warning: Slow convergence - maybe time for a coffee :coffee:?")
-        helpmsg = ("Optimize for Medicare and IRMAA."
-                   "  Due to the binary variables involved, this requires a few minutes of computation."
-                   "  Be patient.")
-        ret = kz.getToggle("Optimize Medicare and IRMAA", "optimizeMedicare", help=helpmsg)
     with col1:
-        if kz.getKey("optimizeMedicare") or kz.getKey("withSCLoop"):
+        helpmsg = ("How to compute Medicare and IRMAA premiums:"
+                   " ignore, use self-consistent loop, or use additional variables in optimization.")
+        ret = kz.getRadio("Medicare and IRMAA calculations", mediChoices, "withMedicare", help=helpmsg)
+        if ret == "optimize":
+            st.markdown(":material/warning: Medicare optimization can sometimes have slow convergence -"
+                        " time for :coffee: ?")
+        elif ret == "loop" and not kz.getKey("withSCLoop"):
+            st.markdown(":material/warning: Medicare set to 'loop' while self-consistent loop is off.")
+    with col2:
+        medi = kz.getKey("withMedicare")
+        if medi == "optimize" or (medi == "loop" and kz.getKey("withSCLoop")):
             helpmsg = "MAGI in nominal $k for current and previous years."
             years = owb.backYearsMAGI()
             for ii in range(2):

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/ui/Output_Files.py

@@ -23,7 +23,7 @@ else:
                      "This table provides a summary of the current case and"
                      " compares it with other similar cases that ran successfully.")
             styledDf = df[1:].style.map(kz.colorBySign)
-            st.dataframe(styledDf, use_container_width=True)
+            st.dataframe(styledDf, width="stretch")
             st.caption("Values with [legend] are nominal, otherwise in today's \\$. "
                        "Lines starting with » indicate itemized subtotals.")
             col1, col2 = st.columns(2, gap="large")

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/ui/owlbridge.py

@@ -559,7 +559,7 @@ def showWorkbook(plan):
                     colfor[col] = st.column_config.NumberColumn(None, format="%.3f")
 
         st.write(f"#### :orange[{name}]")
-        st.dataframe(df.astype(str), use_container_width=True, column_config=colfor, hide_index=True)
+        st.dataframe(df.astype(str), width="stretch", column_config=colfor, hide_index=True)
 
         if dollars:
             st.caption("Values are in nominal $, rounded to the nearest dollar.")
@@ -705,7 +705,7 @@ def genDic(plan):
 
     optionKeys = list(plan.solverOptions)
     optList = ["netSpending", "maxRothConversion", "noRothConversions",
-               "startRothConversions", "optimizeMedicare", "bequest", "solver",
+               "startRothConversions", "withMedicare", "bequest", "solver",
                "spendingSlack", "oppCostX", "xorConstraints", "withSCLoop",]
     for key in optList:
         if key in optionKeys:
@@ -779,9 +779,9 @@ def renderPlot(fig, col=None):
     # Check if it's a plotly figure.
     if hasattr(fig, 'to_dict'):  # plotly figures have to_dict method.
         if col:
-            col.plotly_chart(fig, use_container_width=True)
+            col.plotly_chart(fig, width="stretch")
         else:
-            st.plotly_chart(fig, use_container_width=True)
+            st.plotly_chart(fig, width="stretch")
     else:  # matplotlib figure.
         if col:
             col.pyplot(fig)

{owlplanner-2025.8.1 → owlplanner-2025.9.15}/ui/sskeys.py

@@ -369,7 +369,7 @@ def getSolveParameters():
 
     options = {}
     optList = ["netSpending", "maxRothConversion", "noRothConversions",
-               "startRothConversions", "optimizeMedicare", "bequest", "solver",
+               "startRothConversions", "withMedicare", "bequest", "solver",
                "spendingSlack", "oppCostX", "xorConstraints", "withSCLoop",]
     for opt in optList:
         val = getKey(opt)

owlplanner-2025.8.1/examples.new/case_drawdowncalc-comparison-1.toml

@@ -1,56 +0,0 @@
-"Plan Name" = "drawdowncalc-comparison-1"
-Description = "This is a case involving a single individual. Case is used for comparing with @hugcity's DrawdownCalc. For max bequest, it should yield $90,792, while an $80k net spending should leave $673,156 as a bequest."
-
-["Basic Info"]
-Status = "single"
-Names = [ "Charles",]
-"Birth year" = [ 1966,]
-"Life expectancy" = [ 89,]
-"Start date" = "2025-01-01"
-
-[Assets]
-"taxable savings balances" = [ 250.0,]
-"tax-deferred savings balances" = [ 600.0,]
-"tax-free savings balances" = [ 600.0,]
-
-["Wages and Contributions"]
-"Contributions file name" = "edited values"
-
-["Fixed Income"]
-"Pension amounts" = [ 0.0,]
-"Pension ages" = [ 65,]
-"Pension indexed" = [ true,]
-"Social security amounts" = [ 36.0,]
-"Social security ages" = [ 70,]
-
-["Rates Selection"]
-"Heirs rate on tax-deferred estate" = 0.0
-"Dividend rate" = 0.0
-"TCJA expiration year" = 2099
-Method = "user"
-Values = [ 6.5, 0.0, 0.0, 2.8,]
-From = 1928
-To = 2024
-
-["Asset Allocation"]
-"Interpolation method" = "s-curve"
-"Interpolation center" = 15.0
-"Interpolation width" = 5.0
-Type = "individual"
-generic = [ [ [ 100, 0, 0, 0,], [ 100, 0, 0, 0,],],]
-
-["Optimization Parameters"]
-"Spending profile" = "flat"
-"Surviving spouse spending percent" = 60
-Objective = "maxBequest"
-
-["Solver Options"]
-netSpending = 80.0
-maxRothConversion = 50
-startRothConversions = 2025
-withMedicare = false
-solver = "HiGHS"
-spendingSlack = 0
-
-[Results]
-"Default plots" = "today"

owlplanner-2025.8.1/examples.new/case_jack+jill.toml

@@ -1,57 +0,0 @@
-"Plan Name" = "jack+jill"
-Description = "This example aims to demonstrate some of Owl's capabilities. Jack and Jill are a married couple a few years from retirement. A wages and contributions file called 'jack+jill.xlsx' is associated with this case. This case uses the historical rate sequence of 1969 as a test case for guiding spending amounts from a near worst-case historical scenario. This case also demonstrates that the optimal strategy for Roth conversions does not necessarily involve surfing a tax bracket.  \nA good exercise for learning Owl's capabilities is to duplicate this case and compare two scenarios: one with optimized Roth conversions and one without. Another possible exercise could involve comparing a historical retirement in 1969 vs. one taken in 1966. Or anything else you can think of..."
-
-["Basic Info"]
-Status = "married"
-Names = [ "Jack", "Jill",]
-"Birth year" = [ 1962, 1965,]
-"Life expectancy" = [ 89, 92,]
-"Start date" = "01-01"
-
-[Assets]
-"taxable savings balances" = [ 90.5, 60.2,]
-"tax-deferred savings balances" = [ 600.2, 150.0,]
-"tax-free savings balances" = [ 70.6, 40.8,]
-"Beneficiary fractions" = [ 1, 1, 1,]
-"Spousal surplus deposit fraction" = 0.0
-
-["Wages and Contributions"]
-"Contributions file name" = "jack+jill.xlsx"
-
-["Fixed Income"]
-"Pension amounts" = [ 0.0, 10.5,]
-"Pension ages" = [ 65, 65,]
-"Pension indexed" = [ false, false,]
-"Social security amounts" = [ 28.4, 19.7,]
-"Social security ages" = [ 70, 62,]
-
-["Rates Selection"]
-"Heirs rate on tax-deferred estate" = 30.0
-"Dividend rate" = 1.8
-"TCJA expiration year" = 2026
-Method = "historical"
-From = 1969
-To = 2002
-
-["Asset Allocation"]
-"Interpolation method" = "s-curve"
-"Interpolation center" = 15
-"Interpolation width" = 5
-Type = "individual"
-generic = [ [ [ 60, 40, 0, 0,], [ 70, 30, 0, 0,],], [ [ 60, 40, 0, 0,], [ 80, 0, 10, 10,],],]
-
-["Optimization Parameters"]
-"Spending profile" = "smile"
-"Smile dip" = 15
-"Smile increase" = 12
-"Smile delay" = 0
-"Surviving spouse spending percent" = 60
-Objective = "maxSpending"
-
-["Solver Options"]
-maxRothConversion = 100
-bequest = 500
-noRothConversions = "Jill"
-
-[Results]
-"Default plots" = "today"

owlplanner-2025.8.1/examples.new/case_joe.toml

@@ -1,54 +0,0 @@
-"Plan Name" = "joe"
-Description = "This is an example of a case involving a single individual. Joe is single and will retire in a few years. His wages and contributions are contained in the 'joe.xlsx' spreadsheet."
-
-["Basic Info"]
-Status = "single"
-Names = [ "Joe",]
-"Birth year" = [ 1966,]
-"Life expectancy" = [ 89,]
-"Start date" = "01-01"
-
-[Assets]
-"taxable savings balances" = [ 338.5,]
-"tax-deferred savings balances" = [ 650.2,]
-"tax-free savings balances" = [ 60.6,]
-
-["Wages and Contributions"]
-"Contributions file name" = "joe.xlsx"
-
-["Fixed Income"]
-"Pension amounts" = [ 18.0,]
-"Pension ages" = [ 65,]
-"Pension indexed" = [ true,]
-"Social security amounts" = [ 28.4,]
-"Social security ages" = [ 67,]
-
-["Rates Selection"]
-"Heirs rate on tax-deferred estate" = 30.0
-"Dividend rate" = 1.8
-"TCJA expiration year" = 2026
-Method = "historical average"
-From = 1969
-To = 2002
-
-["Asset Allocation"]
-"Interpolation method" = "s-curve"
-"Interpolation center" = 15
-"Interpolation width" = 5
-Type = "individual"
-generic = [ [ [ 60, 40, 0, 0,], [ 70, 30, 0, 0,],],]
-
-["Optimization Parameters"]
-"Spending profile" = "smile"
-"Smile dip" = 15
-"Smile increase" = 12
-"Smile delay" = 0
-"Surviving spouse spending percent" = 60
-Objective = "maxSpending"
-
-["Solver Options"]
-maxRothConversion = 50
-bequest = 300
-
-[Results]
-"Default plots" = "nominal"

owlplanner-2025.8.1/examples.new/case_john+sally.toml

@@ -1,53 +0,0 @@
-"Plan Name" = "john+sally"
-Description = "This example reproduces the case of John and Sally, discussed by Eric Sajdak. This case can be used to compare the heuristic strategy of surfing a tax bracket for performing Roth conversions to a solution optimized by linear programming. The former is a good approach when one assumes fixed rates. When rates are varying, and the market drops, an optimized solution shows that it is sometime advantageous to convert above the target tax bracket. File 'john+sally.xlsx' contains wages and contributions associated with this case. Run this case with different rates to see the effects on Roth conversions."
-
-["Basic Info"]
-Status = "married"
-Names = [ "John", "Sally",]
-"Birth year" = [ 1962, 1962,]
-"Life expectancy" = [ 92, 92,]
-"Start date" = "01-01"
-
-[Assets]
-"taxable savings balances" = [ 200.0, 200.0,]
-"tax-deferred savings balances" = [ 750.0, 750.0,]
-"tax-free savings balances" = [ 50.0, 50.0,]
-"Beneficiary fractions" = [ 1, 1, 1,]
-"Spousal surplus deposit fraction" = 0.5
-
-["Wages and Contributions"]
-"Contributions file name" = "john+sally.xlsx"
-
-["Fixed Income"]
-"Pension amounts" = [ 0.0, 0.0,]
-"Pension ages" = [ 65, 65,]
-"Pension indexed" = [ false, false,]
-"Social security amounts" = [ 36.0, 21.6,]
-"Social security ages" = [ 67, 67,]
-
-["Rates Selection"]
-"Heirs rate on tax-deferred estate" = 30.0
-"Dividend rate" = 1.8
-"TCJA expiration year" = 2026
-Method = "historical average"
-From = 1990
-To = 2023
-
-["Asset Allocation"]
-"Interpolation method" = "linear"
-"Interpolation center" = 15
-"Interpolation width" = 5
-Type = "individual"
-generic = [ [ [ 60, 40, 0, 0,], [ 60, 40, 0, 0,],], [ [ 60, 40, 0, 0,], [ 60, 40, 0, 0,],],]
-
-["Optimization Parameters"]
-"Spending profile" = "flat"
-"Surviving spouse spending percent" = 60
-Objective = "maxBequest"
-
-["Solver Options"]
-maxRothConversion = 200
-netSpending = 100
-
-[Results]
-"Default plots" = "today"

owlplanner-2025.8.1/examples.new/case_jon+jane.toml

@@ -1,56 +0,0 @@
-"Plan Name" = "Jon+Jane"
-Description = "This case reproduces a similar case discussed a while back on i-orp. It involves Jon and Jane close to retirement, and assumes a base case of optimistic returns of 10% with an inflation of 3.5%. A wages and contributions file called 'jon+jane.xlsx' is associated with this case."
-
-["Basic Info"]
-Status = "married"
-Names = [ "Jon", "Jane",]
-"Birth year" = [ 1965, 1968,]
-"Life expectancy" = [ 92, 92,]
-"Start date" = "01-01"
-
-[Assets]
-"taxable savings balances" = [ 50.0, 0.0,]
-"tax-deferred savings balances" = [ 900.0, 500.0,]
-"tax-free savings balances" = [ 0.0, 0.0,]
-"Beneficiary fractions" = [ 1.0, 1.0, 1.0,]
-"Spousal surplus deposit fraction" = 0.0
-
-["Wages and Contributions"]
-"Contributions file name" = "jon+jane.xslx"
-
-["Fixed Income"]
-"Pension amounts" = [ 0.0, 0.0,]
-"Pension ages" = [ 65, 65,]
-"Pension indexed" = [ false, false,]
-"Social security amounts" = [ 21.0, 21.0,]
-"Social security ages" = [ 65, 65,]
-
-["Rates Selection"]
-"Heirs rate on tax-deferred estate" = 30.0
-"Dividend rate" = 1.8
-"TCJA expiration year" = 2026
-Method = "user"
-Values = [ 10.0, 6.0, 5.0, 3.5000000000000004,]
-From = 1928
-To = 2024
-
-["Asset Allocation"]
-"Interpolation method" = "linear"
-"Interpolation center" = 15.0
-"Interpolation width" = 5.0
-Type = "individual"
-generic = [ [ [ 100, 0, 0, 0,], [ 100, 0, 0, 0,],], [ [ 100, 0, 0, 0,], [ 100, 0, 0, 0,],],]
-
-["Optimization Parameters"]
-"Spending profile" = "flat"
-"Surviving spouse spending percent" = 60
-Objective = "maxSpending"
-
-["Solver Options"]
-maxRothConversion = 0.0
-noRothConversions = "None"
-withMedicare = true
-bequest = 30.0
-
-[Results]
-"Default plots" = "today"

owlplanner-2025.8.1/examples.new/case_kim+sam-bequest.toml

@@ -1,56 +0,0 @@
-"Plan Name" = "kim+sam-bequest"
-Description = "This is the case of Kim and Sam used as an example case for optimizing bequest and Roth conversions. No wages and contributions file is associated with this case."
-
-["Basic Info"]
-Status = "married"
-Names = [ "Kim", "Sam",]
-"Birth year" = [ 1966, 1967,]
-"Life expectancy" = [ 86, 89,]
-"Start date" = "01-01"
-
-[Assets]
-"taxable savings balances" = [ 1000.0, 0.0,]
-"tax-deferred savings balances" = [ 2000.0, 800.0,]
-"tax-free savings balances" = [ 500.0, 25.0,]
-"Beneficiary fractions" = [ 1, 1, 1,]
-"Spousal surplus deposit fraction" = 0.5
-
-["Wages and Contributions"]
-"Contributions file name" = "kim+sam.xlsx"
-
-["Fixed Income"]
-"Pension amounts" = [ 0.0, 0.0,]
-"Pension ages" = [ 65, 65,]
-"Pension indexed" = [ false, false,]
-"Social security amounts" = [ 45.0, 25.0,]
-"Social security ages" = [ 70, 68,]
-
-["Rates Selection"]
-"Heirs rate on tax-deferred estate" = 33.0
-"Dividend rate" = 1.8
-"TCJA expiration year" = 2026
-Method = "conservative"
-From = 1922
-To = 2023
-
-["Asset Allocation"]
-"Interpolation method" = "s-curve"
-"Interpolation center" = 15
-"Interpolation width" = 5
-Type = "individual"
-generic = [ [ [ 60, 40, 0, 0,], [ 70, 30, 0, 0,],], [ [ 60, 40, 0, 0,], [ 70, 30, 0, 0,],],]
-
-["Optimization Parameters"]
-"Spending profile" = "smile"
-"Smile dip" = 15
-"Smile increase" = 12
-"Smile delay" = 0
-"Surviving spouse spending percent" = 60
-Objective = "maxBequest"
-
-["Solver Options"]
-maxRothConversion = 300
-netSpending = 180
-
-[Results]
-"Default plots" = "today"