From Raw Data to Real Freedom

ProjectionLab-powered financial independence coaching that turns your numbers into a clear, stress-tested path to FI and beyond.

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Why Choose Us?

Clarity on Your Exact FI Date

Get a precise, personalized timeline — not vague estimates. We model your real numbers in ProjectionLab so you know exactly when (and how) freedom is achievable.

Confidence That Survives Market Crashes

See your plan hold up under real historical downturns and worst-case sequences. No more wondering “what if the market tanks?” — you’ll have the proof it survives.

Lifelong Model Ownership & Mastery

You walk away with a fully custom ProjectionLab model and the skills to update and refine it yourself forever — no ongoing dependency or black-box mystery.

Our Services

Complete Turn-Key FI Plan

$499

The full transformation: From scattered numbers to a finished, bulletproof Financial Independence plan.

  • ✅ 3 × 1-hour private sessions
  • - Session 1: Onboarding & full data import into ProjectionLab
  • - Session 2: Review of your initial plan + real-time adjustments
  • - Session 3: Final plan review + mastery handover (you’ll know how to maintain it forever)
  • ✅ Custom ProjectionLab model built just for you
  • ✅ Written summary + next-steps roadmap
Build My Custom Plan

Limited spots • Best value for complete FI transformation

1:1 Private Session

$200

/ hour

Flexible, focused coaching for quick questions, scenario reviews, or ongoing support.

  • ✅ 60-minute Zoom session tailored to your needs
  • ✅ Real-time ProjectionLab walkthroughs or adjustments
  • ✅ Actionable takeaways you can apply immediately
  • ✅ Great for testing the waters or spot support
Book a Session

Pay-per-session • Educational coaching only

What Can We Model For You?

ProjectionLab lets us answer your most important "What If" questions with precision. Here are 30 common scenarios we model every day.

  • When will I actually reach Financial Independence with my current savings rate?
  • How many years earlier can I retire if I increase my savings rate by 10–15%?
  • Is it possible for me to retire at 50 (or 55) — and what would it take?
  • How does working 2–3 more years change my safe withdrawal rate and lifestyle?
  • What age gives me the highest probability of success in my Monte Carlo simulations?
  • What if my spending increases with inflation plus lifestyle creep?
  • How much can I safely spend in early retirement without running out of money?
  • What happens if I downsize my home and invest the proceeds?
  • How does cutting my expenses by $1,000/month accelerate my FI timeline?
  • What happens to my plan if we get another 2008-style market crash right after I retire?
  • How does a decade of low returns (4% average) affect my safe withdrawal rate?
  • What if sequence-of-returns risk hits me in the first 5 years of retirement?
  • How much safer is my plan if I shift to a more conservative portfolio allocation?
  • What’s the impact of a prolonged bear market on my withdrawal strategy?
  • What if I retire early with limited taxable brokerage funds — how do Roth conversion ladders, 72(t) SEPP withdrawals, or simply taking the 10% penalty affect my plan until age 59½?
  • Should I contribute to a Roth 401(k)/IRA or traditional 401(k)/IRA — and how much?
  • How much will I actually pay in taxes during retirement with large traditional account withdrawals?
  • What if I move to a zero-state-income-tax state — how much does that save me long-term?
  • Should I do Roth conversions now — and exactly how much per year?
  • When is the optimal year to start Social Security to maximize my plan?
  • What if I claim Social Security at 62 vs. waiting until 70 — what’s the real difference?
  • How do spousal or survivor benefits affect our joint retirement model?
  • How is my plan affected if I bridge the gap to Medicare with ACA Marketplace coverage?
  • What if I need long-term care for 3–5 years — does my plan still survive?
  • How do HSA contributions and tax-free medical withdrawals optimize my long-term model?
  • What if I take a 2-year sabbatical or switch to part-time work?
  • How does adding rental income or a side hustle change my FI date?
  • What if one spouse stops working completely or we have kids later in life?
  • How does helping with college costs or supporting aging parents affect my plan?
  • What happens if I inherit money, get divorced, or need to care for a family member?

See something that matches your situation?
Let’s model it together.

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About Me

With 15+ years as an applied physicist at leading tech and aerospace companies, I've spent my career modeling and simulating complex physics systems.

This same rigorous, analytical mindset is what I apply to financial independence planning. For years, I've used ProjectionLab to build and optimize my own detailed financial-life model, running Monte Carlo simulations, stress-testing every "what-if" scenario, and refining projections until they were bulletproof.

I now bring that same precision to help others as well: creating custom ProjectionLab models that map your exact path to Financial Independence and beyond, with full ownership and the skills to maintain it forever — no generic advice, no product sales.

Have questions or ready to get started?
Reach out: adam@datatofi.com