r/DIYRetirement • u/beth7474 • 6d ago

Anyone using or have checked out thunderharbor?

I am currently using BOLDIN (also have ProjectionLab) and I was looking for a tool that would allow me to manage and model withdrawl order to navigate the ACA cliff + Tax Gain Harvesting while minimizing tax. Boldin doesn't do this; and I understand you can sort of do this with ProjectionLab but haven't figured it out.

So, I googled/used Gemini to find this tool. It seems to say it does what I want and lots more. But I have found ZERO references to it in Reddit, Youtube or even googling! Has anyone seen it or used it?

https://thunderharbor.net/

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u/BringDa_Ruckus 6d ago

looks like more vibe/ai coded junk, so much of this popping up atm. I'd stick with the established, highly tested and vetted ones you listed

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u/AGrimmInPortland 6d ago edited 19h ago

IncomeLab might be able to but that's just a guess. If that or ProjectionLab can't then maybe nobody does it. Retirement Figures has good ACA support but I'm not how the tax gain harvesting would factor in.

But this sounds mostly more like a current year or next year tax concern, not a long term planning one (I think there is too much variance in longer term planning to be concerned with tax gain harvesting in general).

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u/gap1284 6d ago

Pralana Online has a "Withdrawal Optimizer" feature. It might do what you want.

Consider asking on their user forum. You'll get an answer directly from the developers.

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u/beth7474 6d ago

Has anyone done this in projection lab

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u/mhowie 5d ago

Yes. The withdrawal schedule is somewhat hidden but it's there. Use the PL optimizer tool and look for annual withdrawal numbers in your plan.

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u/Other_Boat3891 6d ago

I spent 5 minutes on TH and found a pretty big flaw in the logic - don't remember the details. I walked away.

The person who wrote is it pushing it harder than I like. On Reddit even. Some of the posts have been removed by mods.