Find answers about your financial analysis, account settings, and how the platform works. 44 topics across 8 sections.
The full onboarding flow typically takes 20–30 minutes. You can save your progress and return at any time — your data is preserved automatically.
You will need approximate balances for your retirement accounts, taxable accounts, debts, and monthly expenses. If you have a pension or Social Security estimate, have those handy. Exact numbers are not required — reasonable estimates work well.
Yes. If a section does not apply to you (for example, debts or college funding), you can skip it. The analysis engine adjusts automatically when sections are skipped.
All financial data is encrypted with AES-256-GCM at the application level. We never store Social Security numbers, bank account numbers, or credit card numbers. Email addresses are stored as one-way hashes.
Reasonable estimates are perfectly fine. The analysis engine runs 10,000 Monte Carlo scenarios, so approximate inputs still produce meaningful projections. You can always return later to refine your numbers.
Yes. Click any completed step in the progress indicator to navigate back and edit your previous answers. Your later entries are preserved.
Your PIA is your estimated monthly Social Security benefit at full retirement age. You can find it on your annual Social Security statement at ssa.gov/myaccount.
This analysis is for educational and informational purposes only. It does not constitute investment advice, financial planning advice, or a recommendation to buy or sell any security. You should consult with a qualified professional before making financial decisions.
The success rate shows the percentage of 10,000 simulated scenarios where your portfolio balance remains positive through your target end age. A rate above 80% is generally considered strong, but context matters — consult a professional for personalized guidance.
The engine runs 10,000 year-by-year projections using randomized stock returns, bond returns, and inflation drawn from historical distributions. Each scenario follows your specific income, spending, and asset profile. The aggregate results show how resilient your portfolio is across a wide range of market conditions.
The 5th, 25th, 50th (median), 75th, and 95th percentiles show the distribution of outcomes across all 10,000 scenarios. The median (50th) is the "typical" outcome. The 5th percentile represents a challenging but plausible scenario.
This platform provides financial education, not personalized investment advice. Regulations require that we describe asset categories (e.g., "U.S. total stock market index fund") rather than naming specific funds or tickers. Your brokerage can help you identify appropriate funds in each category.
The base formula uses an age-based approach (110 minus your age for stock allocation percentage). If you have a pension, its present value is treated as a fixed-income asset, which may allow for a higher stock allocation. Sub-allocations split across domestic/international and government/corporate bonds.
This table shows your success rate at different spending levels — current spending, +25%, +50%, +75%, and +100%. It helps you understand how much spending flexibility you have while maintaining plan sustainability.
Yes. Return to the onboarding flow to update any inputs, then re-run the analysis. The engine detects changed inputs automatically and produces updated projections.
The full report includes: Executive Summary, Retirement Readiness, Social Security Strategy, Insurance Analysis, Tax Strategy, Investment Allocation, College Funding (if applicable), Estate Planning Checklist, Budget & Cash Flow, and Methodology Notes.
Yes. Use the download button at the top of the report to generate a professionally formatted PDF. The PDF includes all charts, tables, and narrative content for easy sharing or printing.
This section outlines the financial steps and considerations if one spouse passes first. It covers benefit transitions, account access, and categories of professionals who can help during that time.
Tax brackets and limits are updated annually. The engine version and parameter dates are shown in the Methodology Notes section. If your analysis was run before the latest update, you can re-run it to use the current year's parameters.
A Roth conversion window is a period — typically between retirement and the start of Social Security or RMDs — when your taxable income is low. Converting traditional IRA funds to Roth during these years can save significant taxes over your lifetime.
This financial analysis report is for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Past performance and projected outcomes are not guarantees of future results. Consult a qualified professional before making financial decisions.
Go to Account Settings and select "Update Email." A verification link will be sent to your new email address. Your existing analysis data is preserved during the change.
Yes. In Account Settings, select "Delete Account." All your financial data, analysis results, and encrypted records will be permanently and irreversibly removed within 30 days.
If you cancel a subscription, your existing analysis and report remain accessible in read-only mode. You can re-subscribe at any time to run new analyses. Your data is retained unless you explicitly request deletion.
From Settings, select "Edit Financial Profile" to return to the onboarding flow with your current data pre-filled. Update any fields and re-run the analysis to see updated projections.
All financial data is encrypted at rest using AES-256-GCM. We never store Social Security numbers, bank account numbers, or credit card numbers. Your email is stored as a one-way hash. We do not share or sell your data.
Check your spam/junk folder. Magic links expire after 15 minutes. If you still don't see it, request a new one. Ensure the email address matches the one you registered with.
SSO is available for B2B/enterprise tenants. If your employer provides access, use the SSO button on the login page. For direct-to-consumer accounts, magic link email login is the primary authentication method.
Yes. We use passwordless magic-link authentication, which eliminates the risk of password breaches. Each link is single-use and expires after 15 minutes. Enterprise tenants can use SAML/OIDC SSO for additional security.
If you cannot remember which email you registered with, contact support. We can verify account ownership through alternative means while protecting your data privacy.
The comprehensive financial analysis covers: retirement readiness (Monte Carlo simulation), Social Security optimization, tax strategy and withdrawal sequencing, insurance analysis, asset allocation, college funding, estate planning, and budget/cash flow analysis.
Start with a free analysis to see limited results. Unlock the full dashboard and PDF for a one-time fee of $89, or get unlimited re-runs and AI coaching for $99/year — significantly less than the $2,600–$10,000 typically charged by human financial planners for comparable analysis.
No. This platform provides financial education and informational analysis. It is not a registered investment adviser, broker-dealer, or financial planner. The analysis uses deterministic calculations and does not provide personalized investment recommendations. Consult a qualified professional for investment advice.
If your employer offers this platform as a benefit, use the employer-specific URL or SSO link provided by your HR department. You do not need to create a separate account or pay individually.
In Tenant Settings, upload your logo and set primary/secondary colors and font family. Changes are applied immediately across all user-facing pages for your tenant.
Yes. Use Feature Flags in Tenant Settings to enable or disable specific analysis modules. For example, an employer may only want to expose the retirement and 401(k) allocation modules.
In Tenant Settings, add your custom domain and configure a CNAME record pointing to the platform. SSL certificates are provisioned automatically. Domain resolution typically takes a few minutes after DNS propagation.
No. Admin dashboards show only aggregate, anonymized engagement metrics (completion rates, module usage, average time to complete). Individual user financial data is never accessible to tenant administrators.
Use the Bulk Provisioning API endpoint or upload a CSV file through the Admin Dashboard. Users will receive magic-link invitations. SSO-enabled tenants can use SAML/OIDC for automatic provisioning.
Click the help button (?) on any screen to see context-specific tips. You can also press the "?" key on your keyboard to toggle help. Use the search box at the top to find specific topics.
Entries highlighted in amber are regulatory disclaimers or important data privacy notices. They contain critical information about the educational nature of the analysis and how your data is protected.
The deterministic engine performs all financial calculations using rules-based, auditable, testable code — no AI inference. The AI layer only handles conversational data collection and plain-language explanations of engine outputs. This separation ensures calculation accuracy and regulatory compliance.
For technical issues, billing questions, or account concerns, contact our support team. Response times are typically within one business day. For urgent account security issues, use the priority channel.
This platform does not provide investment advice, name specific securities, or recommend financial professionals. It uses educational analysis based on deterministic calculations. Projected outcomes are not guarantees of future results. Always consult qualified professionals for personalized financial, tax, and legal advice.
This help center is for educational and informational purposes only. It does not constitute investment advice, financial planning advice, or a recommendation to buy or sell any security.
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