Most planning tools give you a single line on a chart: here’s your projected net worth, trust us. One number, one curve, and no way to look inside it.
We think you deserve to see the machinery. This release opens up the Wealth Plan so you can see exactly what your future net worth is made of — and it upgrades the AI Portfolio Optimizer, deepens Human Capital across the platform, and smooths out dozens of everyday interactions. Here’s the tour.
The Wealth Plan: more accuracy, more detail, more flexibility
The headline change in this release is the Wealth Plan chart. It now shows you the breakdown of your net worth — the full composition of your plan, not just its total.
Where a single projection line used to sit, you can now see how each piece contributes. The plan composition view breaks your net worth into its components — investable assets, real assets, annuities & pensions, loans, and Human Capital — and shows each one’s percentage share and annual growth rate, in a detailed composition table inside the Benchmark Summary.
You also get far more control over the view itself. The old dropdown chart menu has been replaced with a tabbed settings dialog: searchable account lists, grouping by category with mass visibility toggles, per-member Human Capital toggles, and controls for projection lines, probability bands, and time scales. Every change re-projects the chart in real time — hide an account or exclude a member’s Human Capital and immediately see what it does to your future wealth. Growth rate assumptions are editable inline, right where you see them, with instant saving.
The detail runs all the way down. The Cash Flow dialog now breaks out asset changes and Human Capital drawdowns, lets you toggle inflation on and off, and shows wealth breakdowns by risk band. Each income source gets its own breakdown card with individual start and end dates and its own growth, risk, and discount rates — so a consulting gig that winds down at 60 and a pension that starts at 65 are both modeled the way they’ll actually happen. Even annuity growth rates can now be selected using TIPS breakeven rates, tying assumptions to observable market data rather than guesses.
The chart itself was rethought as well. The preset views have been reworked so that the default — now called Overview — shows the full range of outcomes rather than a single expected path. That’s deliberate: one line invites reading a projection as a promise, and a spread of outcomes is the honest picture. The Expected Wealth and Investments views sit one click away in the header. The composition table adds a value-weighted average growth rate across your plan’s components, and the Risk of Ruin visualization has been sharpened with clearer labels and annotations.
This matters because a lifetime plan is only as useful as your confidence in it. When you can see what drives the projection — component by component, assumption by assumption — you can question it, refine it, and trust it.
AI Portfolio Optimizer: new widgets and constraint management
The AI Portfolio Optimizer — the engine that evaluates your portfolio across 56 risk dimensions and surfaces candidate trades for your review — picked up a set of significant upgrades.
Largest Deviation. A new widget that shows exactly where your portfolio strays furthest from your personalized benchmark, with Current, In Progress, and Benchmark allocations side by side and the deviation quantified for each. You see at a glance which exposures deserve attention first.
Yield & Expenses. Another new widget compares the income your portfolio generates against what it costs to hold — across your current portfolio, your in-progress changes, and your benchmark plan. Revisions aren’t only about allocation; now the income and cost consequences are visible in the same frame.
Revision Net Worth. Your bottom line now appears live on the optimization progress bar, so as you work through a revision you always know exactly where your net worth stands.
Efficiency Gap on the dashboard. The Efficiency Gap widget now appears on your home dashboard — a running, dollar-denominated measure of how far your portfolio sits from efficient, with a direct path into the Optimizer when you want to explore closing it.
Constraint management. Real portfolios come with real-world constraints — positions you’re keeping, accounts that shouldn’t trade, preferences the engine must respect. The Preferences & Constraints widget now has a search box, sorting (newest, oldest, A–Z), and source/status filters, plus a reference number on every rule and scrollable groups so long lists stay manageable. What used to be a chore is now a few keystrokes.
Through all of it, the decision stays yours. The Optimizer surfaces candidate trades and the analysis behind them; you review and decide.
It’s the same philosophy members already use to test big life decisions:
“Portfolio Revision helped me simulate the effects of buying a new home on my entire portfolio. It was awesome to fully understand this big life event!” — Izzy E., Young Professional
Curious what the analysis would show for your portfolio? See pricing and the advisor savings calculator →
Human Capital, woven through the platform
Earlier this year we introduced Human Capital — the present value of your future earnings, often the largest asset a household owns and the one the industry ignores because there’s no fee to charge on it.
This release integrates it throughout WealthFluent. Human Capital now appears in your Balance Sheet and Net Worth calculations, in your Investor Profile, and in per-member views. Each income source supports its own start and end dates, with breakdown cards that show how every income stream contributes. Your true economic picture, in every corner of the platform where it belongs.
Inflation and growth rates for manual accounts
Your home, a private business stake, collectibles, that account you track by hand — manual accounts hold a large share of many members’ wealth, and they shouldn’t sit flat while everything else moves.
All eligible manual accounts now support their own inflation and growth rate assumptions, with a quick-edit dialog so adjusting them takes seconds. Set your home to appreciate at your own estimate; give a private investment its own trajectory. Your plan follows suit.
Real assets also gain maintenance cost tracking. A home isn’t just an appreciating asset — it’s a roof, a furnace, and a property tax bill. Annual carrying costs can now be recorded on real assets and flow directly into your wealth projections, so the model reflects what ownership actually costs.
Goals with real depth
Goals received one of the quieter but most substantive upgrades in this release. A new health slider adjusts life expectancy across your plan — because how long your money must last is a personal input, not an actuarial average. A retirement spending schedule visualizes monthly spending through retirement, in milestone or full-table views. A plan-wide return scale slider lets you interactively explore different risk-return postures and watch the plan respond.
And 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. A goal that looks funded on average but fragile in a bad decade is something you want to see — now you can.
Term life insurance, made transparent
Most tools treat a term life policy as a line item, if they capture it at all. WealthFluent values it — and this release makes that valuation something you can actually see and understand.
The redesigned term life form puts the fair value of your remaining policy front and center, clearly labeled as an asset or a liability on your balance sheet — because a policy whose expected payoff outweighs its remaining premiums is genuinely part of your net worth, and one whose premiums outweigh the expected payoff is genuinely a drag on it. The form tells you which, and why, in plain English.
The math shows its work, too. The valuation discounts the policy’s expected payoffs — using each year’s probability of death from actuarial life tables — at a risk-adjusted rate, and that rate is now displayed as the formula it actually is: duration-matched Treasury rate + risk premium = risk-adjusted discount rate. Every input carries a plain-English tooltip, from the life-insurance industry beta that sizes the risk premium to the Treasury yield that anchors it. It’s the kind of analysis an institution would run on a policy, presented so you can follow every step — and useful for comparing against a real policy quote, or for thinking about when self-insuring might be worth evaluating as your wealth grows.
One more piece: your annual premium now flows through your Wealth Plan as a monthly cash outflow for as long as the policy is in force. Coverage isn’t just valued — it’s fully woven into your projected future.
Forms that work with you
Speaking of forms: this release delivers autosave with a visible save status across the platform, cleaner number inputs with % and $ formatting, better tooltips, and smarter validation. None of these makes a headline on its own. Together, they mean less friction and no lost work — every time you touch the platform.
Cleaner security data
Behind every chart is a security master — the reference data that identifies and classifies what you own. Ongoing improvements there mean better handling of hard-to-classify positions. Cleaner data in, sharper analysis out.
And a long tail of improvements
A release this size comes with plenty more. First-visit guided tours now walk you through the Planning, Optimizer, Transactions, Financial Health, and Markets pages. Onboarding has been streamlined and now builds your household — partner and children — as you answer. The top navigation gains section and widget submenus so you can jump straight to what you need. Tax-aware investment bands arrive with bulk actions, alongside a new inline tax status editor so you can view and correct how any account is classified. Every account supports notes. Benchmark allocation views collapse to two clean views with a market/book value toggle. And the Wealth Portfolio vs. Plan Benchmark widget picks up $/% and view toggles.
Why we build this way
An advisor charging 0.89% on a $500K portfolio collects $4,450 a year — and the incentive is to keep the machinery opaque. WealthFluent runs $72–$144 a year, and our incentive is the opposite: to make you a more capable manager of your own wealth. That’s why this release is full of breakdowns, toggles, and controls rather than black boxes. The more you can see, the better your decisions get.
Everything above is included in this release and available to WealthFluent members.
Not a member yet? Start your free 14-day trial and see what your future net worth is made of.
WealthFluent is not a financial advisor and does not provide investment advice. Platform analytics are tools for informed decision-making.
