Why do the Dashboard and Monte Carlo projected investment values differ?

The Projected Investment Value at End of Plan shown on the Dashboard uses static annual return assumptions. https://support.mywealthtrace.com/21145/kb/article/105917/how-monte-carlo-works" target="_blank Monte Carlo analysis uses varying investment returns across 1,000 simulations. The median is the 500th result out of 1,000 simulations, which generally will be lower than the static projected [...]

How can I increase the state tax rate after the first spouse passes away?

Go to Plan Settings > Taxes and use the Move to a New State In Future option. Set the move date to the year of the first spouse’s death, then enter the state tax rate you want WealthTrace to use beginning that year. You can use this setting even when no actual move is planned. It allows you to model a change in state taxes starting in a future year. [...]

How can I prioritize tax-deferred accounts for expenses and taxes?

You can https://support.mywealthtrace.com/21145/kb/article/106420/how-to-tie-a-goalexpense-to-a-particular-investment-account" target="_blank tie individual additional expenses to specific accounts, which overrides the standard withdrawal order for those expenses. src="https://cdn.livehelpnow.net/clients/21145/kb/screenshot 2026-07-07 at 10.17.40_5ada1b53-e610-4aca-bbae-b453928ae233.png" [...]

How can I control which accounts are used first for withdrawals?

WealthTrace generally withdraws funds from accounts in the order they are listed. If a Roth account is being used before a taxable account, review the account order and move the accounts you want to use first higher in the list.Click the Reorder Rows button, then drag and drop the accounts into your preferred order, as shown in the screenshot below. Move the accounts you want WealthTrace to use [...]

Why is WealthTrace using taxable account principal when income appears sufficient?

This can happen when a withdrawal from a taxable account generates capital gains taxes. WealthTrace may use additional principal from that same account to pay the taxes created by the withdrawal. As a result, it may appear that the program is drawing from the account balance even when dividends, interest, Social Security, pensions, or other income are available elsewhere. WealthTrace currently [...]