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  • Educational and reference use only. A teaching case study for the aiskilldojo AI curriculum — it exists to demonstrate a sealed, source-cited knowledge pipeline with an optional AI layer, not to help you make decisions.
  • Not financial advice. Nothing here is tax, legal, financial, investment, retirement, insurance, or benefits advice.
  • Not advice or consulting of any kind, and no professional, advisory, fiduciary, or client relationship is created by using this page.
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  • Consult a licensed professional — your own CPA, tax attorney, or qualified advisor — about any subject this tool touches, before acting on anything.
  • It can be incomplete or wrong. Figures come from a fixed, dated research snapshot. Some positions are labelled UNSETTLED or UNKNOWN and are never resolved for you.
  • Optional AI assistant — your key, your cost. If you paste an OpenRouter API key, your questions and the sealed reference entries are sent from your browser directly to OpenRouter and its model providers, billed to your key. This server never sees or stores your key. AI-generated text can be wrong; the sealed answer shown next to it is the only authoritative output.
  • Unanswered questions are recorded. To improve coverage, a question this tool could not answer is stored — the question text only, with no IP address, no timestamp, and no account identity — and reviewed to plan future reference entries. Do not type personal information into the question box.
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Retirement Decumulation & Access-Point Reference v2

US federal rules + California overlay · answers drawn only from a SHA-256 sealed, source-cited module · optional AI assistant on your own key · ← all capstones
⚠️ Reference only — not advice. Educational teaching case study. Not tax, legal, financial, investment, or benefits advice; not advice or consulting of any type; not a commercial service. AI-generated text is clearly labeled and is not authoritative. Consult a licensed CPA or tax attorney about anything you read here. Full disclaimer ↓
AI assistant — optional, bring your own OpenRouter key
Without a key this page still works — the sealed module answers directly (free). With a key, questions the exact-match router misses are semantically routed by the model, and you get a short AI explanation of the sealed entries. Trial users: the instructor issues a temporary key capped at $3.00, valid as a 1-week pass — it stops working after either limit. Your key is billed by OpenRouter, never by this site.

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Full disclaimer

  • Educational and reference purposes only. A teaching case study for the aiskilldojo AI curriculum. Not a substitute for your own research or professional guidance.
  • Not advice; no professional relationship. Nothing here constitutes tax, legal, financial, investment, retirement, insurance, or benefits advice, nor advice or consulting of any other type. No advisory, fiduciary, attorney–client, accountant–client, or other professional relationship is created by your use of this page.
  • Not a commercial service. Free and non-commercial. Nothing here is an offer, solicitation, endorsement, or recommendation of any product, service, security, or transaction.
  • Consult a licensed professional about any subject related to this tool before you rely on or act upon it.
  • AI-generated text is not authoritative. If you enable the optional assistant, its output is produced by a third-party model from your own API key, can be wrong, and is always labeled. Only the sealed, verbatim module text — with its citations, tax-year stamps, and UNKNOWN/UNSETTLED labels — reflects the validated reference data, and even that must be verified against primary sources (IRS, FTB, SSA, CMS) before use.
  • Coverage logging. Questions this tool cannot answer are recorded — text only, no IP, no timestamp, no identity — to plan future reference entries. Everything else is unlogged. Your API key never reaches this server.