Engineered Finance
Financial planning tools built for engineers. Show the math, expose the assumptions, tune the inputs.
Roth Conversion Optimizer
The annual bracket question is the wrong frame for the overall conversion decision. Here's a 20-year model showing what systematic conversions actually cost — and what skipping them costs your heirs.
toolsShould You Refinance? The Full Analysis
Is a lower rate always better? Should I apply extra payments to the loan principal or to my Roth IRA? Let's face it,
fundamentalsWhat Is an Index Fund?
"Tracks the market" is technically accurate and practically useless. Here's how index funds actually replicate a benchmark, why active management faces a mathematical headwind after costs, and what concentration you take on when you buy one.
fundamentalsPre-Tax vs. Roth: The Math Behind the Choice
Both account types produce identical after-tax wealth under one specific condition. Understanding where that equivalence holds — and exactly where it breaks — is more useful than any rule of thumb.
fundamentalsThe Time Value of Money
Money has a time dimension. Here's the framework for measuring it precisely and why it sits beneath almost every financial calculation worth making.
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