Tools

Free tools. The math is the easy part.

Four educational tools for Long Island retirement households, built around the decisions that actually compound. Each one runs your real numbers in your browser, returns a result, and points at the conversation that the chart can’t resolve on its own.

Educational tools only. Camba Capital is not yet registered as an investment adviser and is not currently providing advisory services. These tools are for informational purposes only and do not constitute investment advice or a recommendation to take any action.

Flagship

Retirement plan analyzer

Monte Carlo simulation across the full horizon. 1,000 paths, confidence bands, plan-success rate. Tax-aware withdrawal sequencing, RMD + IRMAA thresholds, NY pension COLA, optional long-term-care stress test.

Decisions the conversation covers

Pension election timing · Roth conversion windows · IRMAA tier management · SSA claim age · withdrawal ordering across taxable / tax-deferred / Roth

Run the analysis →

Pension calculators

Plan-specific pension election

Lump sum vs. annuity. Single life vs. joint-and-survivor. Plan-aware tier rules, Final Average Salary calculation, COLA mechanics, and Social Security coordination for NYSTRS, NYCTRS, PFRS, NYSLRS-ERS, NYCERS, NYC Police, FDNY, BERS, RRB-LIRR, and hospital systems.

Decisions the conversation covers

Single life vs J&S election · lump-sum-vs-annuity present value · spousal-consent forms · term-life replacement strategy

Run the pension calculator →

Claiming-age tool

Social Security claiming-age calculator

Monthly and cumulative-lifetime Social Security benefits at every claiming age from 62 to 70 using the SSA's published reduction and delayed-credit formulas. Spousal benefits coordinated.

Decisions the conversation covers

Claim timing for primary + spouse · survivor planning · IRMAA-tier interaction at age 63 · pension-start coordination

Run the Social Security calculator →

Fee review

Inactive 401(k) fee review

Side-by-side fee comparison for an inactive 401(k) against a target rollover structure. 20-year balance-divergence projection. Recordkeeping + administrative + fund + advisory fees broken out separately.

Decisions the conversation covers

Rollover decision (taxable vs in-kind transfer) · NUA analysis on company stock · beneficiary designations · target-account selection

Run the fee review →

If the numbers raise questions

The tools run the math. The chess moves are the conversation.

Each tool surfaces decisions worth a thirty-minute conversation with Dan Zimon. No cost, no commitment, no sales pitch. In English or Spanish.

Schedule a call with Dan Zimon How the process works →