The Dynamic
Lifetime Planning System
Can you confidently answer life’s big financial questions with ease? Now you can.
How much do I need to save for retirement?
When can I retire?
How much can I safely withdraw each year in retirement?
How do I pay for my child’s education?
How long will my savings last?
What investment strategy aligns with my goals?
See what your future net worth is made of. NEW
Most tools give you a single projection line and ask you to trust it. Your Wealth Plan now shows the full composition of your future net worth — investable assets, real assets, annuities & pensions, loans, and Human Capital — each with its share of your wealth and its own annual growth rate.
Reworked preset views put the full range of outcomes front and center, with probability bands that show the downside as clearly as the expected path — because a plan you can question is a plan you can refine.
A value-weighted average growth rate across your plan’s components and a sharpened Risk of Ruin view complete the picture.
Your plan, under your control. NEW
A tabbed settings dialog puts every assumption within reach: search and group your accounts, toggle whole categories on or off, and show or hide each household member’s Human Capital — the chart re-projects in real time as you explore.
Growth rates are editable inline and saved instantly. The Cash Flow dialog breaks out asset changes and Human Capital drawdowns, with inflation toggling and wealth breakdowns by risk band.
Each income source gets its own card with individual start and end dates and its own growth, risk, and discount rates. Annuities get their own drawdown view — and their growth rates can key off TIPS breakeven rates, tying assumptions to observable market data.
Balance growth towards the retirement you want.
Set goals like buying a house, saving for education, AND retirement goals such as target retirement age, time in retirement, and desired income in retirement.
Visualize each goal as part of one timeline. Instantly assess how saving for shorter-term goals will affect your wealth accumulation and retirement strategy.
Adding a new asset to your portfolio? Thinking about taking on a liability? See how every financial decision impacts your path toward retirement.
Goals with real depth. NEW
A health slider adjusts life expectancy across your plan — how long your money must last is a personal input, not an actuarial average. A retirement spending schedule visualizes your monthly spending through retirement.
A plan-wide return scale slider lets you explore different expected wealth vs. risk tradeoffs and watch your plan respond. Existing savings toward a goal now support multiple linked accounts, each growing at its own rate, with risk-aware projections that show the downside path alongside the expected one.
Your home, private investments, and other manual assets carry their own growth and inflation assumptions — and real assets track annual maintenance costs that flow straight into your projections.
Meet your personal benchmark.
Benchmarking an index with no relationship to your financial situation? Not anymore.
Your lifetime plan acts as a fully dynamic personalized benchmark, optimized to account for all tradeoffs within and between your goals, savings requirements, and investment strategies. It’s adjusted to current market conditions and calibrated to your unique lifetime risk aversion—revealed through your selection of the most preferred lifetime probability distribution of Net Worth that achieves all your goals.
Now, you have a system for measuring the success of each real-world financial and investment decision you make. Your benchmark is always on track to meet your goals. Is your actual portfolio?
Tax-Efficient, Market-Adaptive Construction
Built for real-world efficiency.
Your dynamic benchmark uses tax-efficient sub-sector bond and stock ETFs that replicate complete market coverage while optimizing tax location between taxable and tax-deferred accounts. Investment weights are determined by each security’s contribution to your lifetime expected net worth and risk—using current market conditions and asset pricing models, not outdated historical averages.
The system adapts proactively to market changes. For example, during the decade following the 2008 financial crisis, when the yield curve was flat and long-term bonds didn’t compensate for interest rate risk, the optimization excluded them in favor of short-term alternatives. When market conditions shift and the yield curve steepens, allocations automatically adjust. Easy re-optimization means your benchmark evolves as markets change—and you maintain full customization control over which securities to include.
Stay on track no matter what life throws your way.
Your financial situation is constantly evolving. Your lifetime plan can’t be a static snapshot of who you were two years ago.
Automatically adapt your lifetime plan in real-time as you hit milestones, experience changing financial situations, and move through fluctuating market conditions.
Whatever life throws your way, your plan adjusts and keeps you on track to meet your retirement goals.
Beyond traditional approaches.
Forward-Looking: Planning and distribution of Expected Wealth outcomes are based on what the market offers today, not historical average returns.
All Future Cash Flows are Included: Understand the timing of all cash flows for every goal and the sum of all goals.
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 Return.
Comprehensive Lifetime Optimization: Your personalized benchmark accounts for your actual current net worth and incorporates the complete lifetime probability distribution—including downside risks like running out of money before retirement ends, with specific dates and probabilities.
Confidently decide how to keep your financial goals on track
Turn your financial goals into an actionable, investable benchmark portfolio and roadmap. Confidently navigate complex financial decision-making, visualize each potential outcome and understand every short vs. long-term tradeoff. Your benchmark is built from your actual financial situation and personal risk preferences—not a generic questionnaire that places you in a risk bucket. As life and the markets change, your dynamic planning system adapts, keeping your plan aligned with where you want to go.
Define your unique lifetime goals.
SET your GOALS
Plan your financial milestones and decide how much you need to save to reach each one.
Adjust for short vs. long-term tradeoffs.
DETERMINE IMPACT
See how each milestone will affect your longterm financial plan and retirement goals.
Fine-tune your personal risk profile.
Understand RISK
Determine expected wealth versus risk tradeoffs that best satisfies your lifetime goals.
Turn your plan into a actionable, investable benchmark portfolio.
Your BENCHMARK portfolio
Measure the success of each real-world financial decision you make against your lifetime plan.