Retirement Simulator

A deterministic, advisor-led retirement planning engine. It follows a strict 6-step flow: Handshake, Horizon (Longevity via Wikidata), Timeline, The Big Four (Financial Inputs), Dashboard (Google Sheets), and Overrides. Centered on the 'Critical Mass' milestone—the portfolio size where the 4% Safe Withdrawal Rate (SWR) covers annual spending indefinitely.