Retire.Portfolio Desk
Welcome

Cash reserve
—
This month's numbers

Your plan
History

History

DateWhatMonths of cashTotalRaisedGains · losses
Set up · once

1
Your plan

2
Your accounts

3
Your cash reserve

4
Done
After-tax money already in your IRA (Form 8606)

Only if you ever made a non-deductible IRA contribution. Form 8606, line 14 of your last return; that slice of every withdrawal comes out tax-free.

This year, outside the plan

Only what the plan does not already count. It sizes the room for gains.

A property or business, after any exclusion.
Including a carryforward (Schedule D, line 16).
Wages, consulting, a one-time payout.
Holdings you never want sold

Drop a statement or a positions download here, or

The desk matches it to an account by its number.

A holding on this list never appears in a refill and Fill it by my rules never picks it. Tap one to keep it; tap again to release it. Useful for a stock you mean to leave to someone, or one with a gain you will not take.

Encrypted on your device with your passcode. Privacy and security

Refill

Refill the reserve

Update your holdings first

Prices change between refills. Drop a fresh statement or positions download for an account and the desk swaps in the new positions before it picks what to sell. Your do-not-sell marks stay.

Drop a statement or a positions download here, or

Read in your browser. Nothing is uploaded.

Example data. Nothing is saved.

An educational calculator from Corso Wealth Coaching LLC. It is not investment, tax or legal advice, and nothing it shows is a recommendation to buy, sell or hold any security. It does not place trades. Its results depend on the numbers and rules you enter, and it does not know your full situation. Review any decision with your financial advisor and tax professional. Confirm lots with your brokerage. It estimates federal tax using the thresholds under Advanced › Plan and does not model state tax, the alternative minimum tax, or every rule that can apply to a sale. Your data stays in this browser; export a file to keep a copy.

Retire.
Portfolio Desk

Account

Encrypted with a passcode only you know. Privacy and security

Step one of two

Create your account

Signs your devices in. The passcode comes next.

Welcome back

Sign in

Your account password signs this device in. Your passcode unlocks the desk afterwards.

Step two of two

Choose a 6-digit passcode

Encrypts your desk. No reset without the recovery code you'll get next.

Save this now

Your recovery code

The only way back in if you forget your passcode. Keep it with your important papers.

Retire.

Enter your passcode.

Your desk is encrypted on this device.

Retire.

Enter your access code.

Reset your passcode

Enter your recovery code

The code you saved when you turned on encryption.

Lost the recovery code too? The desk cannot be opened without one of the two. : the desk is erased everywhere and you set it up again from your statements (or from a desk file you saved under More › Backup).

Privacy and security

Only you can read your desk.

What the desk holds

Your plan numbers, accounts, holdings and settings, plus your email for signing in. Nothing else.

Where it lives

Encrypted on your device, with the same encrypted copy in your account so your phone and computer stay in step. There is no key on any server: nobody at Corso Wealth or at the companies hosting the desk can open it.

How it is locked

AES-256. The key is behind your six-digit passcode (which never leaves your device) and a recovery code shown once. Lose both and nobody can unlock the copy in your account; the recovery screen then offers to start over. Keep a backup file (Settings › Backup). The desk locks itself after 15 minutes.

What we can see

Your email and a daily count of opens, refills recorded and check-ins saved. Never balances, holdings or plan details. Your coach cannot look into your desk; sharing is your move, by Download plan or a backup file.

Nothing else

No analytics, advertising, trackers or third-party scripts. The page talks to one address, the account service, and the browser enforces that. Privacy view (the eye) hides names and amounts on screen only.

Deleting

Start over (Settings › This device) erases the desk here and in your account. To close the account, email your coach.

Questions: your coach at Corso Wealth Coaching LLC. The version is under How this works.

Try an example

Examples

Your desk is set aside until you press Back to my desk.

Set up

Enter your plan.

From your plan's cash flow or distribution report for this year. You can change them later on Set up.

Household
The amount deposited to checking each month.
Income that is not from your accounts

What arrives each month or year besides the withdrawals. Household totals; leave a line at 0 if it does not apply.

Both of you together, the amount deposited.
Before tax.
In taxable accounts only; last year’s 1099s are close enough.
This year’s withdrawals

How much the plan takes from each kind of account this year. Leave a line at 0 if it does not apply.

Include any required minimum distribution.
Guardrails optional

The portfolio balances at which your plan raises or lowers the paycheck. Leave blank if your plan does not use them.

Taxes

Used to estimate the tax on sales and to stay under the next bracket or Medicare tier.

Sets the standard deduction.
If yes, the desk also watches the IRMAA income limit.
Worked from the income above, this year’s IRA withdrawals and the standard deduction.
$0

Set up

Load your plan from Boldin.

Household
Accounts

Boldin does not say what kind of account each one is. Check the type, and match each to an account already on this desk if it is the same one.

Getting the right file

The cost basis download.

    Type it in

    Holdings.

    Faster: paste the positions table from your brokerage's website.

    Prices

    Today's prices.

    One price per ticker. Change it here and every lot that holds it, in every account, follows. Your brokerage's positions page shows the price; last night's close is fine.

    How this works

    How this works

    Reserve

    Two numbers a month

    Refill

    Plan

    An educational calculator from Corso Wealth Coaching LLC. It is not investment, tax or legal advice, and nothing it shows is a recommendation to buy, sell or hold any security. It does not place trades. Its results depend on the numbers and rules you enter, and it does not know your full situation. Review any decision with your financial advisor and tax professional. Estimates are for comparing choices, not for filing. Confirm shares and cost with your brokerage.

    · Privacy and security · Share the desk ↗

    Settings
    Account
    Passcode
    This device
    Appearance
    Backup
    Privacy viewHides names and dollar figures for a screen share
    Advanced
    Copy in your accountIf this device is behind
    This deviceA shared computer: your desk stays in your account