Free Tool — DIY Wealth Planning
Milestone Allocator™
A four-step diagnostic built for six-figure earners who have not yet converted active income into structural, self-sustaining wealth. Results update live as you work through each step.
01 — Track Your Baseline Velocity
Enter your primary active income and current age. This establishes the baseline speed of your active wealth generation before progressive tax structures erode your top-line revenue.
02 — Identify the Cash Flow Gap
Quantify your broad overhead — housing, debt obligations, and discretionary spending. True wealth is not determined by what you earn; it is dictated by the efficiency of your remaining liquidity.
03 — Maximize Vehicle Capacity
Align your excess liquidity with advanced wealth-building frameworks. The tool automatically flags your structural eligibility for backdoor strategies to bypass high-bracket exposure.
04 — Secure Asset Autonomy
Your customized asset allocation curve is compiled. Download the free Milestone Allocator™ Cheat Sheet to keep your tier targets and vehicle recommendations in one place.
Live Results
Tier Allocation Targets
Tier 1 — HYSA
6× fixed overhead
Tier 2 — T-Bill Surplus
35% of annual free liquidity
Tier 3 — Equity Engine
Remainder after tiers 1 & 2
Illustrative estimates only. Not financial advice. Results update as you complete each step.
Base of Pyramid — Foundation
Your liquid runway. Covers life if income stops — no penalties, no market risk, instantly accessible.
Vehicles: HYSA or Cash Sweep — FDIC-insured, 4–5% APY.
Middle of Pyramid — Milestone Layer
Capital with a purpose and a deadline. Earns more than savings while staying accessible when your milestone arrives.
Vehicles: T-Bill Ladder — U.S.-backed, maturing on your schedule.
Apex of Pyramid — Wealth Engine
Long-term compounding in tax-advantaged accounts. This is how high earners build lasting wealth.
Vehicles: Tax-Free Brokerage + Backdoor Roth IRA.
Three-Tier Capital Framework
Your Milestone Allocation Pyramid
Click any tier to explore its purpose, vehicle, and your allocation target.
Base — Foundation
Tier 1 — HYSA
Your liquid runway. Covers life if income stops — no penalties, no market risk, instantly accessible.
Recommended Vehicle
HYSA or Cash Sweep — FDIC-insured, 4–5% APY
Your Allocation Target
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Complete the steps above to see your target.
Provided By
Cube Wealth Dimensions LLC
Miguel@CubeInsuranceGroup.comThis tool produces illustrative estimates for educational purposes only. Results are not personalized financial advice.
Strategic Services
- Wealth Protection Architectures
- Life Insurance Structural Optimization
- Health & Medicare Portfolio Advisory
Legal Disclosure
All content produced by this tool is for general educational and illustrative purposes only. It does not constitute personalized investment, tax, or legal advice, and should not be relied upon as such. Past performance of any financial vehicle is not indicative of future results. Consult a qualified financial, tax, or legal professional before making any financial decisions. Cube Wealth Dimensions LLC is not a registered investment adviser.
© 2026 Cube Wealth Dimensions LLC. All rights reserved.
General financial education only. Not investment, tax, or legal advice.
Frequently Asked Questions
What is the Milestone Allocator™?
The Milestone Allocator™ is a free four-step capital segmentation tool that takes your gross income, monthly overhead, filing status, and retirement contributions and produces a three-tier allocation blueprint — showing how much belongs in a liquid HYSA runway (Tier 1), a T-Bill milestone layer (Tier 2), and a long-term equity engine (Tier 3).
How does the three-tier capital segmentation work?
Tier 1 (Core Liquid Runway) targets 6× your monthly fixed overhead in a high-yield savings account for emergencies and near-term needs. Tier 2 (Horizon Segment) directs 35% of your annual free liquidity into T-Bills matched to a specific milestone date such as a home purchase or business launch. Tier 3 (Equity Engine) captures the remaining surplus for long-term compounding in tax-advantaged accounts.
What is a Backdoor Roth IRA and does this tool flag eligibility?
A Backdoor Roth IRA is a two-step strategy — making a non-deductible traditional IRA contribution and then converting it to a Roth — used by high earners who exceed the direct Roth IRA income limits ($150,000 single / $236,000 married filing jointly for 2025). The Milestone Allocator™ automatically flags Backdoor Roth eligibility in Step 3 based on your income and filing status.
Is the Milestone Allocator™ personalized financial advice?
No. The Milestone Allocator™ produces illustrative estimates for general educational purposes only. Results are not personalized investment, tax, or legal advice. Consult a qualified financial, tax, or legal professional before making any financial decisions.
What do I receive after completing all four steps?
After completing all four steps and entering your name and email in Step 4, you receive a free Milestone Allocator™ Cheat Sheet PDF delivered to your inbox. The cheat sheet summarizes the three-tier framework, recommended vehicles for each tier, and Backdoor Roth IRA guidance.