WealthFluent vs Boldin (2026)

Boldin (formerly NewRetirement) models retirement scenarios, Social Security, Roth paths, and whether the plan holds. WealthFluent is the books, Lifetime Wealth Planning, a cross-account optimizer, and Magpie. PlannerPlus and Premium both list $144 a year — same list price, different job.

This page is a comparison, not a verdict. Prices and plan names change. Check theirs, and check ours. WealthFluent is not a financial advisor. Nothing here is advice or a recommendation.

For the three-product sit-down (planner vs dashboard vs plan-plus-portfolio), see WealthFluent vs Boldin vs Empower. For the category map, see Best retirement planning software. Dedicated Empower contrast: WealthFluent vs Empower. Dedicated Monarch contrast: WealthFluent vs Monarch. Dedicated PortfolioPilot contrast: WealthFluent vs PortfolioPilot. Dedicated ProjectionLab contrast: WealthFluent vs ProjectionLab. Dedicated RIA (human firm) contrast: WealthFluent vs RIA. Dedicated CFP (credential) contrast: WealthFluent vs CFP.

Same price, different machine

PlannerPlus is $144 a year on Boldin’s current public pricing. WealthFluent Premium is $144 a year on the web. That is the same list price. It is not the same product.

Boldin is built for retirement-plan math. Will the plan hold. What if I delay Social Security. What if I convert to Roth this year. What if spending changes. That is a real job.

WealthFluent is a personalized financial decision platform. Assets and liabilities on one sheet. A lifetime plan that produces an investable benchmark — not a risk bucket. Recommended trades across the accounts you already own. And Magpie, connected to that file.

You would not pay $144 twice for the same machine. Read the table. If Boldin already does the job you have, stay there.

Who each is for

Choose Boldin if…

Your question is a retirement-plan question. Social Security timing. Roth conversion paths. Spend scenarios. Monte Carlo on the plan you built. Boldin is a retirement planner (it was NewRetirement). PlannerPlus is the paid tier.

That $144 is honest only if you need that job. Boldin is not trying to be a whole-balance-sheet operating system with a cross-account trade optimizer. Their pricing page has listed asset tracking and lifetime allocation tools as coming soon — check their current plan.

Choose WealthFluent if…

You are self-directed. You want assets and liabilities in one place. You want a lifetime plan that produces a personalized benchmark. You want to simulate a change, then see recommended trades across the 401(k), the old rollover, the IRAs, and taxable. And you want to ask an AI that already has that file.

We founded WealthFluent in 2020 in Edwards, Colorado. David J. Kon (CEO), Dr. Stanley J. Kon (Chairman), and Joshua P. Kon (CTO). Frank J. Fabozzi, PhD, sits on the advisory board.

On the optimizer and assist tools, Fabozzi has said: “Say goodbye to spreadsheets! WealthFluent’s unique product combines electronic access to fundamental security data with all your assets and liabilities and a set of tools for managing customized portfolios. Enormous productivity is achieved with its Optimizer and Assist tools for wealth portfolio management.”

Use both if…

Some households reasonably keep Boldin for Social Security and Roth-path modeling and run WealthFluent for the optimizer and Magpie. We do not need you to delete Boldin. We need the job we actually do to be the one you came for.

At a glance

Web and the Apple App Store for WealthFluent. There is no Google Play listing to claim. App Store billing can differ from the web prices above — that is intentional, not a mismatch to “fix.”

Retirement and scenario planning

Boldin’s center of gravity is the plan. Social Security timing. Roth conversion paths. Side-by-side scenarios. Monte Carlo. State and federal tax projections on PlannerPlus. That is what you buy at $144.

WealthFluent’s center of gravity is Lifetime Wealth Planning: milestones, probability distributions, and a personalized, investable benchmark from your plan. The free When can I retire? calculator is the short front door to that question.

WealthFluent does not replace Boldin’s Social Security / Roth explorers feature-for-feature. Do not invent parity. If those explorers are the work, evaluate Boldin on their site.

Balance sheet and aggregation

On WealthFluent, aggregation of assets and liabilities is core. Read-only. It is the starting point for the plan and the optimizer, not the product.

Boldin offers account linking on PlannerPlus via aggregators. Complete net-worth operations are not their center of gravity. Their public pricing has listed asset tracking as coming soon. Check their current plan.

Portfolio action

WealthFluent: simulate, then the AI Portfolio Optimizer recommends specific trades across accounts, with tax-aware placement. You approve, modify, or dismiss. No custody. No auto-trading.

Boldin: planning-first. Not positioned as a cross-account trade optimizer. Lifetime allocation recommendations have been listed as coming soon on their pricing page. Check their current plan.

A recommended trade list you can execute in the accounts you already own is a different machine from a plan that tells you whether the path holds.

The Magpie wedge: your Roth, not a Roth

Generic AI can explain a Roth. Magpie can explain yours.

That is the difference versus ChatGPT, and it is the difference versus an AI that only knows the plan you typed in.

Magpie is connected to the accounts, goals, liabilities, and personalized benchmark you already keep in WealthFluent. It answers with share counts, dollar amounts, and real allocations. It is hosted on Amazon Bedrock. Inputs are not used for training, not stored persistently, and do not leave Bedrock to reach the underlying model provider.

Magpie is not a financial advisor. It informs and educates. It does not trade.

The product URL is wealthfluent.com/financial-intelligence/. Do not use /meet-magpie/ — that is a stale beta announcement.

Boldin has its own AI on the plan (limits vary by tier — they currently advertise limited conversations on Basic and unlimited on PlannerPlus). Check their current plan. If the question you care about is “given my accounts and my liabilities, what is true,” that is the Magpie job.

Price, without the slide-deck voice

A subscription is a software contract. It does not scale with your net worth. A flat-fee advisor engagement is a different contract. AUM is a third.

Using figures we publish on wealthfluent.com/pricing/ and Boldin’s public pricing as of August 25, 2026:

WealthFluent Lifetime is $1,200 once, with a 60-day money-back guarantee. Premium stays $144 a year as the portfolio grows. The software does not get more expensive because you did the job.

Apple App Store in-app prices for WealthFluent can differ from these web prices. Disclose that if you shop on iOS; do not treat it as an error.

Boldin Advisors is a flat-fee planning engagement with a CFP. That is not WealthFluent. We are not an advisor. Do not compare a software subscription to a human planning fee and call it a tie.

Confirm Boldin, Empower, and our pricing page before you decide. The AUM line is the figure we show on that page — confirm Empower’s current schedule and minimums before you treat it as a quote.

What you actually get on WealthFluent

If you are comparing line items, this is the stack — not a feature dump.

1. Account aggregation — assets and liabilities, read-only.
2. Financial Wellness Score — plus debt-health and related scores on current plans.
3. Lifetime Wealth Planning — milestones, probability distributions, a personalized benchmark. The free When can I retire? calculator is the short front door to that question.
4. Portfolio Optimization — simulate, then recommended trades. The AI Portfolio Optimizer works across accounts, with tax-aware placement. You execute.
5. Magpie — on your actual file. Portfolio Optimization Engine and Market Analysis are Premium and Lifetime.

Essentials is $15/month or about $72/year: planning and scores, with Magpie listed on pricing. Premium adds the Portfolio Optimizer, Market Analysis, and spouse/partner login. Lifetime is Premium, paid once.

FAQ

WealthFluent vs Boldin — which should I use?

If the work is retirement scenario modeling — Social Security timing, Roth conversions, spend paths — Boldin is built for that. If the work is whole-balance-sheet planning plus getting the portfolio to the plan across accounts, with an AI that has the books, that is WealthFluent. Both list $144 a year at the paid-software tier. Same price, different machine. Some households will reasonably use both. A longer three-way sit-down is on WealthFluent vs Boldin vs Empower.

Why would I pay $144 for WealthFluent if Boldin is also $144?

You wouldn’t, if Boldin already does the job you have. You would if you need liabilities on the same sheet as assets, a plan that produces an investable benchmark, recommended trades across accounts, and Magpie on that file. Read the table. Do not buy a second $144 because a comparison page told you to.

Can I use both WealthFluent and Boldin?

Yes. Plenty of DIY households keep a scenario planner for Social Security and Roth paths and still need a system that optimizes across accounts. We don’t need you to delete Boldin. We need the job we actually do to be the one you came for.

Does WealthFluent replace Boldin’s Social Security / Roth tools?

No. It is not a Boldin clone, and it does not replace those explorers feature-for-feature. Boldin is the retirement-scenario specialist. WealthFluent is the plan-plus-portfolio-action platform. If the explorers are the work, evaluate Boldin on their site.

What’s included in the 14-day trial?

A 14-day free trial of WealthFluent so you can connect accounts and use the tools before you pay. The default Premium trial includes the Portfolio Optimizer and Market Analysis. Confirm current trial terms on the site.

Is this financial advice?

No. WealthFluent is not a financial advisor. Magpie is not a financial advisor. Boldin has its own disclosures; read them. This page is information for a buying decision about software, not about securities.

Start a 14-day free trial

If the work is your whole file — plan, books, and the trades that close the gap — start there. If the work is retirement scenarios first, evaluate Boldin on their site. If you need both jobs, many households keep a planner and an operating system.

Start your free trial · Pricing · Financial Intelligence / Magpie · vs Boldin vs Empower · vs Empower · vs Monarch · vs ProjectionLab · Best retirement planning software · When can I retire?

Disclosure

WealthFluent is not a financial advisor and does not provide investment advice. Magpie is not a financial advisor. Platform analytics and AI output are tools for informed decision-making. They are not recommendations. Competitor features and fees are summarized from publicly stated terms on each firm’s site and from the comparison on our pricing page, checked August 25, 2026. They change. Verify on each firm’s site before you buy. This page is for information only. Do your own research. Consider a qualified professional before you make financial decisions.

Page copy dated August 25, 2026.