Personal planning platform

Advisor-grade planning workspace

Start with household setup, then move through strategy, decisions, simulation, memo, and data in that order.

Plan Setup
Strategy
Decisions
Simulator
Memo
Data
Secondary
ScenariosEconomicsStrategy Report
Working mode

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.

Decisions

Compare the household choices that most change retirement timing, spending, and flexibility.

Use these four decision briefs to answer practical planning questions: retire now or later, stay current versus Chile, keep or open a HELOC, and advisor versus Constellation.

Start here

Should I retire now or later?

Start with the retirement-age brief. It is the fastest way to see whether the current plan supports retiring now or whether working longer still produces the stronger answer.

Open this first when the main question is retirement timing.
Other major decisions

Open one of the other three household decisions when the answer depends more on location, home equity backup, or advisor cost and support.

Should we spend part of the year in Chile?

Current home, part-year Chile, or lower-cost Florida.

Should I take a HELOC?

No line, backup line, or drawing home equity.

Advisor or Constellation?

Fee drag, safe spending effect, and support tradeoffs.

Decision Center

Guided decision brief

Use this as a household decision brief first. The planner diagnostics stay underneath it, not the other way around.

Load example
Browse example decision briefs

Examples load as drafts only. No saved record is created until you explicitly save.

Decision setup
Rename the decision, adjust option language, or build a custom comparison only when the planner-powered brief does not cover the decision cleanly.
Option 1
Option 2
Option 3
Saved decisions

Decision library

No saved decisions yet. Save the current draft to start a reusable decision record.
Authoring controls

Manual criteria editor

Planner-powered templates already generate a recommendation above. Use these controls only if you want to save or adjust a manual comparison.

Start with the recommendation summary first. Open the manual editor only when you want to document judgment calls, add custom criteria, or override the default planner framing.
Manual scoring controls
Criterion 1
Cost

Compares ongoing and one-time financial burden. Lower cost scores better.

lower is bettercomputedRange 1 to 10
What recurring or upfront costs matter most here?What cost assumption would materially change the decision?
What this score means

How expensive the option is after considering ongoing and one-time cash demands.

Lower is better for this archetype.

Example scoring

A 2 means unusually efficient on cost. An 8 means materially more expensive than the alternatives.

Assumptions to consider
Recurring housing, tax, insurance, and travel costs
One-time setup or relocation costs
Whether lower cost today creates higher cost later
Criterion 2
Risk

Captures downside exposure, uncertainty, and regret risk. Lower risk scores better.

lower is betterhybridRange 1 to 10
Where is the biggest downside if this option underperforms?Which risk assumption is doing the most work in this outcome?
What this score means

How much downside, uncertainty, or regret risk the option carries.

Lower is better for this archetype.

Example scoring

A 3 means risk is contained and manageable. A 9 means the option is exposed to several hard-to-reverse downsides.

Assumptions to consider
How reversible the choice is
How fragile the plan becomes if markets, health, or family needs change
Whether one bad outcome would be hard to recover from
Criterion 3
Tax

Assesses tax drag, tax complexity, and after-tax efficiency.

lower is betterhybridRange 1 to 10
Which option creates the lowest after-tax burden?What tax assumption would move the ranking most?
What this score means

The likely tax drag or tax complexity created by the option.

Lower is better for this archetype.

Example scoring

A 2 means the option is clean and tax-efficient. A 7 means tax drag or complexity is meaningfully worse.

Assumptions to consider
State or local tax differences
Ongoing filing complexity
Whether future withdrawals or capital gains become less efficient
Criterion 4
Healthcare

Measures access, continuity, and quality of healthcare support.

higher is betterhybridRange 1 to 10
How strong is provider access and care continuity?What healthcare assumption would reduce confidence in the winner?
What this score means

The quality, continuity, and convenience of healthcare access.

Higher is better for this archetype.

Example scoring

A 9 means strong provider access and continuity. A 4 means care would be meaningfully less reliable or convenient.

Assumptions to consider
Distance to trusted specialists and hospital systems
Insurance network fit
Whether care access gets harder as aging needs increase
Criterion 5
Family Proximity

Reflects closeness to family, support systems, and caregiving realities.

higher is bettersubjectiveRange 1 to 10
How much daily or emergency support does this option provide?What family assumption would make another option more attractive?
What this score means

How well the option supports closeness, availability, and family support.

Higher is better for this archetype.

Example scoring

A 9 means family access is materially stronger. A 3 means support would mostly depend on travel or long-distance coordination.

Assumptions to consider
Frequency of in-person contact that realistically matters
Emergency support and caregiving needs
Whether travel burden changes over time
Criterion 6
Lifestyle

Represents day-to-day fit, enjoyment, convenience, and energy.

higher is bettersubjectiveRange 1 to 10
Which option most improves daily quality of life?What lifestyle sacrifice is the decision implicitly accepting?
What this score means

How well the option fits the client’s preferred day-to-day life.

Higher is better for this archetype.

Example scoring

A 8 means daily life gets noticeably better. A 4 means the option works, but with clear quality-of-life compromises.

Assumptions to consider
Daily energy, routine, climate, and convenience
Access to activities and social life
Whether the fit will still feel strong five years from now
Criterion 7
Flexibility

Measures reversibility, adaptability, and option value if life changes.

higher is betterhybridRange 1 to 10
Which option leaves the most room to adjust later?What loss of flexibility would be acceptable for a better outcome elsewhere?
What this score means

How easy it is to adjust, exit, or reconfigure the choice later.

Higher is better for this archetype.

Example scoring

A 9 means the decision leaves several clean fallback paths. A 3 means it is sticky and costly to unwind.

Assumptions to consider
How costly it would be to reverse the decision
Whether the option preserves multiple future paths
How much optionality matters if circumstances change
Criterion 8
Custom

Use for case-specific criteria that do not fit the standard archetypes.

higher is bettersubjectiveRange 1 to 10
What unique factor belongs in this decision?How would this custom criterion need to move to change the outcome?
What this score means

A case-specific factor not covered by the standard archetypes.

Higher is better for this archetype.

Example scoring

Use the full range deliberately. A 5 should mean neutral, not default uncertainty.

Assumptions to consider
Whether the factor is truly distinct from cost, risk, or lifestyle
How strongly it should matter relative to standard criteria
Whether the score can be explained clearly to another decision-maker
Explainability

Why this winner wins

Save the draft or load an example to generate recommendation, tradeoff, and sensitivity output.