How Lontevis Works

Making a retirement withdrawal optimization decision without the right data is like driving with your eyes closed. Lontevis changes that.

The Problem

Most retirement withdrawal optimization tools give you a single number with no uncertainty range. That number is almost certainly wrong because it ignores the variance in real-world outcomes.

Our Approach

Lontevis uses Monte Carlo simulation — the same technique actuaries and financial engineers use — to model thousands of possible outcomes. Instead of one guess, you get a probability distribution.

We pull data from free federal sources (no paid APIs, no bias) and combine it with published academic frameworks. The math is the moat — no competitor does this.

What You Get

• Expected cost: The most likely outcome
• Worst case (P95): What happens if everything goes wrong
• Best case (P5): The optimistic scenario
• Sensitivity analysis: Which variables matter most

The result is a comprehensive report that tells you not just what to do, but how confident you should be in that decision.

Try the Lontevis calculator free →

Lontevis is part of the Smart Technology Investments portfolio of decision intelligence tools.