POINT NEMO CAPITAL · PRIVATE WEALTH TOOLS
Retirement Planning Calculator
Built for high-income professionals. Model your 401(k) rollover, dividend reinvestment, and long-term wealth projection with institutional-grade assumptions.
Your Parameters
Estimated Balance
$5,796,943
Total Contributed
$1,420,000
Estimated Growth
$4,376,943
Probability Range
Conservative
$3,952,640
Moderate
$5,796,943
Aggressive
$8,535,288
Projected Growth
Save Your Results
Email me my full retirement projection
Receive a personalised summary based on your inputs.
Next Step
Ready to put this plan into action?
Schedule a private consultation with Brian Anderson.
This calculator is for educational purposes only. No future returns are guaranteed. Actual results may vary based on market performance, fees, taxes, contribution timing, and individual circumstances.
Point Nemo Capital · Wealth Tools
A Retirement Planning Calculator Built for Serious Capital
This is not a generic retirement calculator. It is built specifically for high-income professionals, entrepreneurs, executives, and post-liquidity business owners who are managing meaningful capital and need institutional-grade assumptions — not rules of thumb.
Point Nemo Capital's retirement projection tool models compound capital growth, dividend reinvestment, inflation-adjusted real returns, and Monte Carlo probability ranges — the same variables a private wealth advisor uses when modeling outcomes for clients with $500,000 to $10 million in investable assets.
Whether you are planning a 401(k) rollover, modeling the growth of a separately managed account, or simply stress-testing your retirement timeline, this tool gives you a starting point for a conversation that matters.
401(k) Rollover Planning
Why a 401(k) Rollover Could Be One of the Most Important Financial Decisions You Make
01 · Investment Freedom
Access to a Broader Universe
Most employer 401(k) plans limit you to a narrow menu of mutual funds. Rolling over into an IRA or a separately managed account at a custodian like Charles Schwab opens access to individual equities, dividend stocks, ETFs, fixed income, and direct indexing strategies unavailable inside most plan structures.
02 · Cost Reduction
Eliminate Hidden Fees
Mutual funds within 401(k) plans often carry expense ratios of 0.50% to 1.50% annually. Over a 20-year period, this quietly erodes hundreds of thousands of dollars in potential compounding. An independently managed account with a transparent 0.75% advisory fee and no embedded fund costs can meaningfully improve net long-term returns.
03 · Strategic Control
Tax-Aware, Personalized Management
A rollover creates the opportunity to implement tax-loss harvesting, direct indexing, and customized sector allocation aligned with your actual financial picture — including concentrated positions, equity compensation, business ownership, or other complex wealth factors that generic plans cannot address.
Ideal Clients
Retirement Planning for High-Income Professionals Across Texas
Point Nemo Capital works with professionals, executives, and business owners throughout Texas who have outgrown generic financial advice and need a dedicated, independent investment partner.
Request a Private ConsultationPhysicians & Surgeons
High-income medical professionals with complex compensation, deferred comp plans, and limited time for active portfolio management.
Oil & Gas Executives
Energy sector professionals in Houston, Midland, and Odessa managing equity compensation, royalties, and concentrated energy sector positions.
Attorneys & Partners
Law firm partners and senior counsel navigating buy-ins, distributions, and the transition from deferred compensation to investable capital.
Business Owners Post-Liquidity
Entrepreneurs who have sold or are preparing to sell a business and need a disciplined plan for reinvesting and preserving proceeds.
Corporate Executives & C-Suite
Executives managing RSUs, stock options, and deferred compensation packages alongside traditional retirement accounts.
High-Earning Couples & Families
Dual-income households in Austin, Dallas, and Fort Worth building multigenerational wealth through tax-efficient, long-term capital strategies.
Serving Texas & Beyond
Independent Wealth Management for Texas High-Income Professionals
Point Nemo Capital provides privately managed investment accounts for clients in:
As a registered investment advisor, Point Nemo Capital manages accounts nationally via separately managed account custodianship at Charles Schwab.
The Process
From Projection to Private Wealth Management
The calculator is the starting point. Here is what a structured retirement planning engagement looks like at Point Nemo Capital.
01
Run Your Projection
Use the calculator above to model your current trajectory based on real inputs — your balance, contributions, growth assumptions, and retirement horizon.
02
Request a Consultation
Schedule a private, no-obligation conversation with Brian Anderson to review your projection and discuss your actual financial picture in depth.
03
Receive a Custom Strategy
Point Nemo Capital builds a tailored investment plan aligned to your goals, tax situation, income profile, and risk tolerance — not a template.
04
Ongoing Management
Your separately managed account is custodied at Charles Schwab with full transparency. Brian manages it actively with direct accountability to you.
Facts & Frequently Asked Questions
Retirement Planning Facts for High-Income Professionals
Key data points, concepts, and questions answered for physicians, executives, attorneys, and entrepreneurs planning for retirement.
Point Nemo Capital
Ready to Turn Your Projection Into a Private Wealth Strategy?
Schedule a private consultation with Brian Anderson, Founder and Chief Investment Officer of Point Nemo Capital. No sales pitch. No generic advice. A direct conversation about your capital.
brian@pointnemocapital.com · +1 (713) 858-7966 · SEC Registered Investment Advisor