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.

Economics

Why the current macro environment changes the plan.

Start with the regime and planning impact. The profile editor is still available, but it stays secondary to the retirement implications.

Current economic regime

High Inflation

CPI inflation is 4.6%, above the 3.5% threshold.

High Inflation
CPI inflation
4.6%

Threshold 3.5%

GDP growth
1.8%

Threshold 1.0%

10-year Treasury
4.4%

Timeline inflation

Current macro conditions move success probability by -6.0 points and durability by -6.0 points versus base assumptions.
Assumption impact

Base assumptions vs current regime

Inflation assumption
Base
2.4%
+2.1 pts
Regime adjusted
4.5%
Stock return assumption
Base
6.8%
-1.3 pts
Regime adjusted
5.5%
Bond return assumption
Base
4.3%
-1.8 pts
Regime adjusted
2.5%
Planning impact

Success probability -6.0 pts

Durability -6.0 pts

Funded ratio -12.2 pts

Profiles

The macro lenses that can shape the plan

Profile editor

Baseline economy

Open this only when you want to tune the saved macro lens itself. The important question on this page is still what the regime means for retirement strategy.

Real rates, yield-curve slope, valuation pressure, copper/growth sensitivity, and FX-volatility signals are derived from these saved assumptions and used in planning automatically. They are shown in planner outputs, not edited as standalone controls here.
Economic context

High Inflation

High

High Inflation uses 4.5% inflation, 5.5% stock returns, and 2.5% bond returns for planning.

Current regime is High Inflation because cpi inflation is 4.6%, above the 3.5% threshold.

CPI 4.6%, GDP growth 1.8%, 10-year Treasury 4.4%.

Inflation assumption shifts from 2.4% to 4.5%.

Stock return assumption shifts from 6.8% to 5.5%.

Planning implication

Elevated inflation reduces retirement flexibility, raises spending pressure, and makes early retirement less forgiving.

Lower Chile cost assumptions improve spending resilience without overwhelming FX drag.

Signature view

Macro impact on retirement durability

Compare how baseline, stress, and optimistic economic assumptions alter inflation, returns, and retirement durability.

Baseline economy

4.5% inflation

5.5% equity return

3.4% cash return

64% durability

Conservative / stress economy

4.5% inflation

5.5% equity return

4.2% cash return

64% durability

Optimistic economy

4.5% inflation

5.5% equity return

3% cash return

61% durability

Planner linkage

Why these assumptions matter

Elevated inflation reduces retirement flexibility, raises spending pressure, and makes early retirement less forgiving.
Lower Chile cost assumptions improve spending resilience without overwhelming FX drag.
Scenarios inherit current-regime-adjusted assumptions automatically through the existing economic profile flow.