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Personalized retirement planning that remembers you and evolves with your financial life.
What you get
Multiple Income Streams
Model FERS plus military, dual state pensions, or any combination. Each stream is valued separately with its own discount rate, COLA, and survivor election, then rolled up into a single Total Wealth balance sheet.
Spouse / Household Mode
Add a spouse with their own pensions, Social Security, and target retirement age. Joint analysis combines wealth, models joint survival probabilities, and applies per-pension survivor benefits.
Saved Profiles
Your inputs persist across sessions, devices, and visits. Sign in once and your full pension profile is there next time — no re-typing, no lost work.
Allocation Evolution
See how your recommended allocation has shifted over time as markets, ages, and inputs change. Auto-snapshots at key life events plus manual checkpoints when you want to mark a moment.
Portfolio Holdings & Rebalancing
Enter your actual brokerage tickers and balances. We classify each fund's equity exposure and tell you exactly which holdings to buy or sell to hit the target allocation — in dollars, not percentages.
Proactive Rebalancing Alerts
Email notifications when your portfolio drifts beyond your threshold. Pick the trigger (3%, 5%, 10%) and we monitor monthly so you don't have to.