case_name = "drawdowncalc-comparison-1"
description = """
Charles is a single retiree used for cross-tool validation with @hugcity's DrawdownCalc. This minimal case (no HFP, flat spending, fixed user-defined rates) isolates the core withdrawal optimization logic for comparison.

Reference benchmarks: max bequest ≈ $90,882; at $80k net spending, bequest ≈ $678,625. Use this case to verify Owl's results against other retirement planning tools.
"""

[basic_info]
status = "single"
names = [ "Charles",]
date_of_birth = [ "1967-01-15",]
life_expectancy = [ 89,]
start_date = "2026-01-01"

[savings_assets]
taxable_savings_balances = [ 250.0,]
tax_deferred_savings_balances = [ 600.0,]
tax_free_savings_balances = [ 600.0,]

[household_financial_profile]
HFP_file_name = "None"

[fixed_income]
pension_monthly_amounts = [ 0,]
pension_ages = [ 65.0,]
pension_indexed = [ true,]
social_security_pia_amounts = [ 3000,]
social_security_ages = [ 70.0,]

[rates_selection]
heirs_rate_on_tax_deferred_estate = 0.0
dividend_rate = 0.0
obbba_expiration_year = 2099
method = "user"
values = [ 6.5, 0.0, 0.0, 2.8,]
from = 1928
to = 2025

[asset_allocation]
interpolation_method = "s-curve"
interpolation_center = 15.0
interpolation_width = 5.0
type = "individual"
generic = [ [ [ 100, 0, 0, 0,], [ 100, 0, 0, 0,],],]

[optimization_parameters]
spending_profile = "flat"
surviving_spouse_spending_percent = 60
objective = "maxBequest"

[solver_options]
netSpending = 80.0
maxRothConversion = 50
startRothConversions = 2026
solver = "default"
spendingSlack = 0
withSCLoop = false
withMedicare = "none"

[results]
default_plots = "today"
