About Lontevis
Retirement optimization, democratized
Lontevis uses SSA life tables, IRS tax brackets, FRED historical returns, and BLS inflation data to help you find the withdrawal strategy that maximizes your retirement income while minimizing portfolio ruin probability -- Social Security timing, withdrawal sequencing, Roth conversions, and all.
The Problem
Millions of Americans retire without a coherent withdrawal strategy. They claim Social Security at 62 because they can, draw from the wrong accounts first, skip Roth conversions that would save them six figures in taxes, and run their portfolio down decades before they expected. The tools that solve this problem cost $96-$999/year and are designed for financial advisors, not consumers.
Our Approach
We ingest mortality tables from SSA, tax brackets and RMD tables from the IRS, historical returns from FRED, and inflation data from BLS. For each strategy, we run 10,000+ Monte Carlo trials simulating portfolio performance, compute the optimal SS claiming age using mortality-weighted NPV, find the tax-optimal withdrawal sequence using dynamic programming, and schedule Roth conversions to fill low tax brackets without triggering IRMAA surcharges.
Our Values
Data Integrity
We use only authoritative SSA, IRS, FRED, and BLS data sources. Every projection traces back to published federal datasets -- no proprietary black boxes.
Accessible Intelligence
Retirement withdrawal optimization has been locked behind $1K+/year advisor tools. We make the math accessible to every retiree for the cost of a single report.
Honest Assessment
We do not sugarcoat ruin probabilities. Our Monte Carlo simulations show the full distribution of outcomes, including worst cases, so you can plan realistically.
Developer-First
Every feature available to consumers is also available through our REST API. Build retirement optimization into your own advisory platform.
Part of Smart Technology Investments
Lontevis is a product of Smart Technology Investments LLC, a research-driven company building decision intelligence tools that help consumers make better financial decisions using data that was always available but never accessible.
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