Tools
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 a New York registered investment adviser, CRD# 343145. This material is educational and does not create an advisory relationship or constitute individualized advice. These tools are for informational purposes only and do not constitute investment advice or a recommendation to take any action.
Flagship
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
Pension calculators
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
Claiming-age tool
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
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
If the numbers raise questions
Each tool surfaces decisions worth a thirty-minute conversation with Dan Zimon. No cost, no commitment, no sales pitch. In English or Spanish.