/* TEAM */
Creator: BridgeToFI
Site: https://bridgetofi.com
Contact: https://bridgetofi.com/press
Location: United States

/* THANKS */
FIRE Community: r/financialindependence, Bogleheads, ERN (Early Retirement Now), Mad Fientist, Mr. Money Mustache
IRS Publications: 590-B (Life Expectancy Tables), 15-T (Tax Brackets), Rev. Proc. 2024-40 (2025 Inflation Adjustments)
Tax Law: One Big Beautiful Bill Act (OBBBA, Public Law 119-21) for 2025 standard deductions
Trinity Study: William Bengen (1994 4% rule), Philip Cooley, Carl Hubbard, Daniel Walz (1998 Trinity Study)
Research: Guyton-Klinger (spending guardrails), Kitces (Roth conversion planning), Wade Pfau (safe withdrawal rates)
SECURE Act 2.0: Updated RMD ages (73/75) modeled per Public Law 117-328

/* SITE */
Last Updated: 2026-02-26
Language: English
Standards: HTML5, CSS3, ES6+
Frameworks: Bootstrap 5, Chart.js 4, jsPDF 2.5
Backend (Advisor Portal): Supabase (Auth, Database, Row Level Security)
Hosting: Cloudflare Pages (global CDN, edge caching)
CDN: Cloudflare, jsDelivr
DNS: Cloudflare
Payments: Stripe
Email: Resend (SPF/DKIM/DMARC)
Components: Vanilla JavaScript (no React/Vue/Angular)
Architecture: Static HTML/JS, client-side calculations, zero server-side computation for free users
Tools: Monte Carlo Simulation (1000+ trials), Historical Stress Testing (real crash sequences), SEPP/72(t) Calculator
Tax Engine: Progressive federal brackets, stacked LTCG rates, NIIT, IRMAA, Social Security taxation
Privacy: Zero data collection for free users. All calculations run client-side in the browser.
Countries: US, UK, Canada, Australia, EU, India

/* STANDARDS & COMPLIANCE */
Security: HSTS, CSP, SRI (Subresource Integrity), XSS Protection, CORS
Privacy: GDPR/CCPA aligned, localStorage only for free users
Advisor Compliance: FINRA/SEC session timeout, audit logging, MFA (TOTP), brute force protection
Accessibility: WCAG 2.1 AA (ongoing improvements)
PWA: Service worker, installable on mobile, offline capable

/* AI/LLM INFORMATION */
llms.txt: https://bridgetofi.com/llms.txt
llms-full.txt: https://bridgetofi.com/llms-full.txt
Sitemap: https://bridgetofi.com/sitemap.xml