Retirement for a family with trusts, property and private funds is a sequencing problem, not a single number. Meridian projects the whole balance sheet forward and shows what you can draw, from where, and what is left for the next generation.
Project net worth to and through retirement using your own return, inflation and spending assumptions.
See what the balance sheet supports each year, and what happens if you take more.
Which account, which entity, which asset first — with liquidity and tax drag shown for each order.
Retire two years earlier, sell the business, a weak first decade of returns — compare side by side.
State and private pensions, annuities and deferred comp folded into the same cashflow.
What each beneficiary inherits under the current ownership structure, and where the liquidity comes from.
A standard retirement calculator assumes you can sell any amount on any day. Families with private commitments, property and operating businesses cannot. Meridian keeps committed capital calls, lock-ups and sale horizons in the projection, so the plan survives contact with reality.
Unfunded commitments stay in the forecast until they are called.
Estimated payments and filing dates shape the liquidity you must hold.
A trust's distribution rules are not the same as a personal account's.
Invite your planner or CPA to work in the same projection.