Key Assumptions
The rules, data, and signals behind each model — no black boxes.
2025
Methodology
1 min
What It Is
This section outlines the core assumptions that shape each strategy. From return expectations to inflation outlooks and asset class behavior, these are the levers behind the model — and they’re not hidden.
We make them explicit so you know what the plan is built on, and where it might need adjustment over time.
What’s Inside
Expected Returns: By asset class, based on long-term historical data and forward-looking inputs.
Inflation Assumption: How much value erosion we factor in annually.
Rebalancing Logic: Frequency, thresholds, and whether it’s calendar- or drift-based.
Withdrawal Rates (if applicable): For income-oriented plans.
Default Tax Treatment: Only when relevant, and always conservative.
Assumed Correlations: Which asset classes tend to move together — and which don’t.
Why It Matters
Understanding these assumptions helps you stress test the plan and spot when something changes in the real world. It’s also what separates a “model” from a black box.
If your expectations or environment differ, you’ll know where to tweak — or ask us to.
Transparent assumptions make for smarter adjustments.
