Start with household setup, then move through strategy, decisions, simulation, memo, and data in that order.
Strategy is the home screen. Use Decisions for tradeoffs, Simulator for stress tests, Memo for the advisor brief, and Data for source-of-truth maintenance.
No connected accounts yet. The current plan is using manual inputs as the source of truth.
positions summarized
Last sync: No connected account sync yet. Provenance summary: Financial snapshot updated from manual household detail.
This clears the active household plan and its attached snapshots so you can rebuild from Setup. It does not remove unrelated repo files or kill runtime state.
$1,750,000 across 3 tracked accounts.
$120,000 with mortgage balance $120,000.
$120,000 annual spending from the current source-of-truth snapshot.
Financial snapshot updated from manual household detail.
medium coverage for the current planning model.
Improve next: Import a spending summary to separate core and flexible retirement costs.
Liquidity-thin posture
Current holdings lean too hard on early-retirement growth exposure relative to the withdrawal path, which leaves the plan more fragile if markets are weak before income floors take over.
Trim by 10 pts to align with the retirement strategy.
Increase by 1 pts to align with the retirement strategy.
Increase by 9 pts to align with the retirement strategy.
Open the snapshot trail when you want the detailed history. Recommendation-sensitive planning impact stays above.
The core recommendation has not changed materially since the last review.
Investable assets decreased by $121,000.
Reported liabilities increased by $67,500.
Data confidence fell because completeness dropped by 8 points.
No material household-picture changes were detected since the last snapshot.
Financial snapshot established for planning.
Initial snapshot created from currently available facts.
Open this when you want to refresh summary-level household facts. It remains secondary to the planning picture and recommendation-sensitive gaps shown elsewhere on this page.
Enter summary-level household facts. This layer is intentionally auditable: assets, debts, and annual spending categories only.
CSV and manual imports are available when you need them, but connected account data should stay primary once SnapTrade is linked.
Import narrow CSV summaries only when connected data is unavailable or a household fact still needs manual correction.
Use label, account_type, balance, institution_label. Supported account types: cash, taxable, tax_deferred, roth, property, debt.
One compact view separates investable capacity, liquidity, and home value so the planner’s facts feel legible before assumptions are applied.
46% of the current household picture.
21% of the current household picture.
0% of the current household picture.
33% of the current household picture.
Later retirement years may face meaningful taxable-income pressure once minimum distributions begin.
Could reduce future taxable income spikes and improve late-retirement flexibility.
Review during the next retirement-income planning session.
• Imported source file
• Liquidity detail
• Observed spending detail
The plan has remained broadly stable, with only modest recommendation movement. The current review cadence should tighten because one or more planning thresholds are close enough to warrant action. Inflation-sensitive assumptions are still pressuring real spending power and portfolio stability. Economic regime shifted from stable to high inflation. The regime shift to high inflation changes planning assumptions: inflation moved by 2.0 points and stock returns moved by -1.0 points.
stable
Stress durability has been broadly stable across the latest review interval.
Review urgency: action required.
Review RMD exposure
Review portfolio allocation
Review Roth conversion window
Review RMD exposure
Review portfolio allocation
Review Roth conversion window
Improve planning inputs
Portfolio strategy guidance has remained broadly consistent across the latest review interval.
Next review date: Apr 16, 2026
Manual and CSV sources remain available, but connected SnapTrade data is now the primary planning source when it has been synced.
Current planner values are being normalized into the Financial Snapshot layer.
Use exported account or spending files to populate the normalized snapshot without linking accounts.
Primary brokerage connector for investment accounts and holdings. Live sync depends on provider credentials and authorization.
Connector architecture is in place. Account sync depends on provider credentials and token exchange.
Observed financial facts are shown here. Planner assumptions, macro adjustments, and scenario outputs remain separate.
Observed financial facts live in the Financial Snapshot layer.
Planner assumptions, macro adjustments, and decision templates consume that normalized picture later.
SnapTrade connection uses the connector layer to bring in brokerage balances and holdings while manual planning inputs remain available for spending, housing, and Social Security assumptions.