Retire. Portfolio Desk

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Three drops to set up. Then two numbers a month.

This month's numbers

Two balances from your statements or your brokerage login, once a month. No upload needed.

Total of all your investment accounts today

Cash in your paycheck account today

Set up · once

Four steps.

Your plan

Drop the Income Plan PDF from your coach, or enter the plan numbers by hand.

Your accounts

Give each account its holdings. Drop a file on the line, or type them in. Each line says which file works best for that kind of account.

Your cash reserve

The cash your monthly check is paid from. The desk watches it and tells you when to sell to refill it.

Where is your paycheck paid from?

How much cash do you want to keep?

Measured in months of what the portfolio has to supply. A refill sells investments to bring the reserve back up.

Refill when it drops below monthsFill it back up to months

How often do you want to refill?

Dividends and interest paid out as cash (optional)

If your funds pay dividends or interest into the money market instead of reinvesting, enter the yearly total. The desk then needs to sell that much less.

Paid out as cash per year

Done

Home now shows your reserve in months and what to do next. Once a month it asks for two balances: the total of all your accounts, and the cash in your paycheck account.

This year, outside the plan

Income Lab already counts your pension, Social Security and the planned withdrawals. Add only what happened outside the plan this year, so the tax estimate is right. Estimates for deciding what to sell, not for filing.

Gains from something sold outside these accounts this year

A property or business sale, after any exclusion. Gains the desk itself realized are already counted.

Losses available this year

Losses realized outside these accounts plus any carryforward from last year's return (Schedule D, line 16). The desk treats these as long-term losses.

Other income the plan does not include

Wages, consulting, a one-time payout. Leave at 0 if the plan covers everything.

More ways to add holdings

Drop a statement or a positions download here, or choose a file

The desk matches it to an account by its number.

Do not sell (tap to toggle)

Dividends and interest paid out in cash per year

Encrypted on your device with your passcode. Privacy and security

Target portfolio

Where the portfolio is heading.

Set the mix you want and the funds you want to own. The desk works out how to get there: tax-free moves inside IRAs right away, taxable sales paced by the room you have for gains each year. Every refill sells from the move-out list first.

1. The mix you want

Asset class	You hold now	Target	Gap	Drift

Drift band: ± points. The desk only trades a class that sits outside the band. The gauge shows how far each class sits from its target line; the shaded stretch is the band.

Where each class lives

The mix above is for the whole household. Each account can lean toward the classes that belong there: bonds and REITs in the IRA, stock funds in taxable and Roth.

2. The funds you want to own

One fund per class is plenty. Say which kind of account each belongs in: bonds and REITs in the IRA, broad stock funds in taxable and Roth.

Ticker	Asset class	Use in

3. What you hold: keep or move out

Anything that is not on your fund list is marked "move out". Change any of them. Holdings on the do-not-sell list stay put.

Holding	Account	Value	Gain	Plan

4. The transition plan

How fast?

Moves for this year

Place these as specific-lot sales. Buy the matching fund the same day so the money stays invested.

Account	Sell	Shares	Amount	Gain	Buy instead	Why

Refill

Refill the reserve

Checklist

Update your holdings first

Prices change between refills. Drop a fresh statement or positions download for an account and the desk swaps in the new positions before it picks what to sell. Your do-not-sell marks stay.

Drop a statement or a positions download here, or choose a file

Read in your browser. Nothing is uploaded.

Drop the Income Plan PDF from your coach here, or choose a file

Paste from your custodian

Export positions or lots as CSV from Schwab, Fidelity, Vanguard, or your custodian and paste the contents here. The desk looks for columns named like Symbol, Quantity, Price, Cost Basis, and Date Acquired.

Into account

Create your account

Signs your devices in. The passcode comes next.

Account password (10+ characters)

Type it again

Only you can read your desk.

What the desk holds

The numbers from your income plan, your accounts, your holdings and tax lots, and the settings you choose. Your email address, for signing in. That is all.

Where it lives

On your device, encrypted. A copy of that same encrypted file sits in your account so your phone and computer stay in step. Nobody at Corso Wealth, and nobody at the companies that host the desk, can open it. There is no key on any server.

How it is locked

Your desk is sealed with AES-256 encryption. The key is protected by your six-digit passcode, which is stretched 600,000 rounds before it is used, and by a recovery code shown once when you set up. The passcode never leaves your device. If you lose both the passcode and the recovery code, nobody can unlock the copy in your account, including us. Keep a backup file (More › Desk file › Save) as your own backup.

The desk locks itself after 15 minutes without you. Easy passcodes such as 111111 or 123456 are refused.

Statements and plan PDFs

Files you drop on Set up are read inside your browser. The PDF itself is never uploaded anywhere. Only the positions it lists are kept, inside the encrypted desk.

What we can see

Your email, and a daily count of how many times the desk was opened, a refill was recorded or this month’s numbers were saved, with the app version. That is what lets your coach know the desk is being used. Balances, holdings and plan details are never visible to us.

Your coach

Your coach cannot look into your desk. Sharing is always your move: Download plan prints a two-page plan you can hand to anyone you choose, or you save a backup file and send it however you like.

Privacy view (the eye button in the top bar) hides names, dollar amounts and share counts for screen-shares and public places. It changes only what is drawn on screen; your backup file and the encrypted copy in your account are never altered by it.

Nothing else

No analytics, no advertising, no trackers, no third-party scripts. The page is allowed to talk to exactly one address, the account service, and the browser enforces that rule. Fonts and the PDF reader are served from the desk itself.

Deleting

Start over (Settings › This device) erases the desk and the copy in your account. Erase (also under This device) clears one device and keeps the account copy. To close your account entirely, email your coach and it is removed along with everything stored under it.

Questions

Write to your coach at Corso Wealth Coaching LLC. This page describes the desk as built; it changes when the desk does, and the version is shown under How this works.

Enter your plan.

If you have an Income Lab report, these numbers are on it. You can change them later from Set up.

Household

Household name

Monthly paycheck, after taxThe amount deposited to checking each month.

This year’s withdrawals

How much the plan takes from each kind of account this year. Leave a line at 0 if it does not apply.

From taxable brokerage

From IRAs and 401(k)sInclude any required minimum distribution.

From Roth

Guardrails optional

The portfolio balances at which your plan raises or lowers the paycheck. Leave blank if your plan does not use them.

Raise the paycheck if the portfolio reaches

Lower the paycheck if the portfolio falls to

Taxes

Used to estimate the tax on sales and to stay under the next bracket or Medicare tier.

Filing status

Taxable income this year, before capital gainsLine 15 of last year’s Form 1040 is a reasonable estimate.

On Medicare?If yes, the desk also watches the IRMAA income limit.

Four lines.

Your paycheck is paid from a cash reserve.

Once a month, type two numbers from your statements.

When the reserve runs low, Refill tells you exactly what to sell.

Download the plan and share it with your coach before you trade.

An educational planning aid from Corso Wealth Coaching LLC, not tax advice. Tax figures are estimates for deciding what to sell, not for filing. Confirm shares and cost with your brokerage and check any plan with your tax professional before trading.

Four steps.

Where the portfolio is heading.

1. The mix you want

2. The funds you want to own

3. What you hold: keep or move out

4. The transition plan

Moves for this year

Refill the reserve

Your paycheck, funded from your portfolio.

Create your account

Sign in

Choose a 6-digit passcode

Your recovery code

Enter your passcode.

Enter your recovery code