Take control of your lifetime wealth plan and stay on track to retire the way you want.
A Wealth Plan For Your Unique Lifestyle
Planning for a lifetime of financial security can be complex. Whether you are saving for retirement, paying off a mortgage, or planning for major life events, Lifetime Wealth Planning adapts to your unique financial goals. Build a personalized wealth plan and answer those big financial questions with ease.
How much do I need to save for retirement?
When can I retire?
How much can I safely withdraw each year in retirement?
How long will my savings last?
How do I pay for my child’s education?
What investment strategy aligns with my goals?
Answering these questions requires more than simple rules. WealthFluent empowers you to navigate financial complexities while visualizing potential outcomes and probabilities. As life and the markets change, your dynamic plan adapts, keeping your lifetime wealth strategy aligned with your goals.
Build Your Lifetime Wealth Plan With Ease
Create your own unique wealth plan. Determine your financial milestones for today and tomorrow, and make sure each one aligns with all your long-term goals. Confidently make big strategic financial decisions that have an outsized impact on your retirement goals.
PLanning Made simple
Plan and track every lifetime financial milestone, determine your retirement goals, see how each milestone affects your overall plan, and stay on track to retire on your terms.
First
SET your GOALS
Plan your big lifetime financial milestones and decide how much you need to save to hit each one.
Next
DETERMINE IMPACT
See how each milestone will affect your lifetime financial plan and retirement goals. Adjust each goal to meet your desired outcome.
Then
Understand RISK
Evaluate expected wealth versus risk tradeoffs that best satisfies your lifetime financial plan.
Last but not least
Your BENCHMARK portfolio
Planning builds a personalized investable benchmark portfolio. Now, you can keep your actual portfolio in line with your plan benchmark to meet all your goals.
Milestones and Long-Term Goals
Set both milestone goals (buying a house, starting a business, saving for education) and retirement goals (target retirement age, time in retirement, and desired income in retirement).
Prioritize each goal’s impact on your financial strategy. Visualize your goals as part of one timeline, and see how saving for shorter-term goals can affect your wealth accumulation and retirement strategy.
Determine Impact
Every decision impacts your long-term financial plan.
When you set or modify a financial goal, you can analyze how it affects your overall lifetime strategy and see how reaching each goal impacts other areas of your financial life. Make better-informed decisions that align with your long-term wealth trajectory.
Real-Time Adjustments
As your financial situation evolves, your plan adapts in real-time. It recalculates the effect on your milestones and retirement plans. At anytime you can keep adjusting your savings rates or investment strategies to keep you on track. “What-If?” analysis for different life events help you make proactive decisions.
Personalized Risk and Investment Strategies
Lifetime Wealth Planning builds you a personalized investment strategy based on your choice of risk vs expected wealth decisions. It helps you allocate assets between taxable and tax-deferred accounts, maximizing tax efficiency while balancing risk and reward.
You can consider longevity risks, early retirement, or large unplanned expenses and see how these changes affect your overall lifetime wealth strategy. Confidently prepare for life’s uncertainties while clearly viewing your financial goals.
Monitor Progress Toward Each Goal
With clear, real-time tracking, Lifetime Wealth Planning helps you monitor progress and probability of each goal. You’ll see how close you are to achieving each objective and what adjustments can keep you on track. Performance updates ensure your short- and long-term goals align with evolving financial and market conditions.
WealthFluent Lifetime Wealth Planning is Unique
Lifetime Wealth Planning goes beyond traditional approaches
Forward-Looking: Planning and distribution of Expected Wealth outcomes are based on what the market offers today, not historical average returns, providing a more realistic view of potential future wealth.
All Future Cash Flows are Included: Understand the timing of all cash flows for every goal and the sum of all goals. The platform accounts for overall savings, spending including meeting each goal, and investment strategy.
Fully Dynamic Investable Benchmark: Your plan is entirely adaptable, evolving with market conditions and personal circumstances. The output is an investable benchmark of securities you chose with your Risk vs Expected Wealth selection on the efficient frontier, meaning it’s actionable and aligned with your investment goals. Furthermore, you can alter your risk plan as you approach retirement.
With WealthFluent, your lifetime wealth plan is not only grounded in today’s ever changing financial reality but also equipped to adapt and grow with you.
Plan and track every financial goal
Integrate savings, investments, spending, borrowing, and risk management into one comprehensive approach that adapts as your life evolves. Plan your entire financial picture, balance your goals, and maximize the likelihood of achieving financial security.
Retirement(s)
Plan for you and your partner’s retirement and beyond.
Down Payment
Save for a home down payment.
Wedding
Save for a wedding.
New Car
Save to buy a new vehicle.
Home Improvement
Plan for a home improvement project.
Education
Invest in college education.
Emergency Fund
Set aside cash for emergencies.
Vacation
Plan for a big vacation.
Large Events
Save for a big party or life event.
Other Goals
Any goal can be added.
Painless wealth and retirement planning with strategic financial decision-making is here.
Confidently stay on track to retire the way you want.