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Boldin's calcs don't make sense

I am a Projection Lab user that decided to try Boldin, Fidelity and Claude Opus 5.5 as planning tools. I am seeing so many gaps, it's making me question the model big-time. Had Claude in Chrome also debug my inputs to make sure I entered everything in correctly.

  1. Roth explorer - Testing the "reduce lifetime taxes scenario" it had me making massive 300K withdrawals over 7 years. When I tried to re-run the scenario, the explorer told me they could not find a conversion scenario and completely disregarded my ask to stick to a maximum tax tier or use funds from my tax-deferred accounts to pay taes.

  2. The total social security represented on the social security summary is off by 4K/month, based on my inputs.

  3. Off of a 4.2M net worth portfolio and an early retirement within 2 years, it's projecting $13M at end of life at an 85% success rate (average).

I don't see wierd stuff in PL. If anything, I have full transparency on an annual basis on my taxes, suggested conversions, and optimization tradeoffs.

I am scratching my head - is it just me?

Posted Sep 28, 2026, 4:31 AM UTC

2020
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