Intelligent Withdrawal Engine

FCC determines which investments can legally and practically fund your retirement need, protects your selected liquidity reserve, then prioritizes lower-cost and lower-return funding sources so higher-performing investments can remain invested.

Withdrawal Request

Protected liquidity: $36,611. Tax-aware mode combines each investment's recorded tax rate with one year of foregone return when ranking otherwise eligible accounts.

Requested
$12,204
Review Expenses →
Funded by Current Rules
$12,204
Open Funding Plan →
Estimated Tax Cost
$0
Open Taxes →
1-Year Lost Return
$488
Open Investment Center →

Recommended Funding Order

OrderAccountTypeAmountYieldRecorded Tax RateEst. Tax CostLost 1-Yr ReturnWhy
1CITI Money MarketMONEY_MARKET$12,2044.00%0.00%$0$488Available at any time under the current withdrawal rule. Funding priority 3. Yield 4.00%. Recorded tax rate 0.00%. FCC favors the lowest estimated after-tax economic cost while preserving higher-return assets when practical.

Estimated Cost of Funding

Estimated Tax Cost$0
Estimated 1-Year Lost Return$488
Combined Planning Cost$488
Unfunded Amount$0

FCC Funding Policy

  1. Respect investment withdrawal restrictions.
  2. Protect required minimum balances.
  3. Protect your chosen liquidity reserve.
  4. Respect your explicit funding priority.
  5. Minimize estimated tax + foregone-return cost.
  6. Preserve higher-return assets whenever practical.

Planning Limitation

The tax rate used here is the tax rate recorded on each investment. This is an optimization estimate, not a tax-return calculation. Principal, cost basis, long-term capital gains, annuity exclusion ratios, retirement-account taxation, and institution penalties will be modeled more precisely as those modules are completed.

FCC recommends the withdrawal sources but does not execute any transaction without your approval.