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.

Advisor brief

Concise planning memo

Current recommendation, top risks, strongest alternative, next decision, and what would change the answer.

High confidenceHigh InflationMemo fresh
Current recommendation

Retirement at age 65 is not yet supported at the current spending target. Next, decide on Larger cash buffer.

Recommended retirement age
70
Safe annual spending
$65,160
Planned spending
$120,000
Margin
-$54,840
Quick brief

Top risks: Higher inflation and lower real returns make early claiming less forgiving. If bridge pressure falls below -8 points, earlier claiming becomes more competitive.

Strongest alternative: If you want to compare another path, look at Retire at 65.

Next decision to evaluate: Larger cash buffer

What would change the answer: If bridge pressure falls below -8 points, earlier claiming becomes more competitive.

Back to StrategyOpen Decisions
Why this recommendation
Retiring at 65 is not currently supported under the saved spending target and current assumptions.
The recommended path retires at 70 and claims at 70 because it delivers about $74,400 of annual Social Security income with 0 bridge years and 0.1 points more stress durability than the next-best option.
Planned spending is running $54,840 above the current sustainable spending estimate.
Tradeoffs
Retiring earlier buys time now, but it leaves less room if markets, inflation, or spending move the wrong way.
Larger cash buffer matters next because it has a visible effect on spending flexibility or plan durability.
Key uncertainties
Higher inflation and lower real returns make early claiming less forgiving.
If bridge pressure falls below -8 points, earlier claiming becomes more competitive.
Data sources and assumptions
Financial snapshot updated from manual household detail.
Manual input