The WELLth Triangle
Where plans quietly break
Six blind spots wrecking portfolios of all sizes.
Not hypothetical. These are the specific ways money gets out of alignment. Pick the one that sounds like you.
Do you know your real odds?
Most “retirement plans” are a single straight-line guess. Markets don't move in straight lines. See your plan under thousands of real scenarios.
Get your Retirement Clarity ScoreAre you comparing the right numbers?
Average return and the return you actually experience are not the same thing. See the real gap before you decide anything.
Compare growth, side by sideDo you know your real number?
Not net worth. The monthly income that shows up whether or not you work. Most people have never actually measured it.
Get your Cash Flow Independence ScoreDid you know the Internal Revenue Service already picked your withdrawal schedule?
Required Minimum Distributions can force a tax bill you never planned for. See what yours actually looks like, and when.
Run your RMD numbersCould the order of your returns matter more than the returns?
Two portfolios with the same starting point and the same average return can end up wildly different, depending on when withdrawals are taken.
See your sequence-of-returns riskStart where you are. See what's next.
Every stage of life comes with its own money questions. Find the tool built for yours. No rules of thumb. Just the real math.
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Flagship tool · Monte Carlo projection
Retirement Clarity Score
Our most in-depth tool. Model your income needs, your buckets of money, inflation, and taxes. Then run thousands of real market scenarios to see how confident you can be in the plan you're building.
S&P 500 vs. Indexed Annuity. Growth
Compare decades of real S&P 500 history against an indexed annuity's participation-rate crediting strategy. Same market, two very different rides.
Cash Flow Independence Score
For parents and entrepreneurs building toward more freedom. See how much of your expenses are already covered by cash flow that doesn't depend on you showing up to earn it, and your odds of closing the rest of the gap.
RMD Calculator
See exactly when the IRS says it's time to start drawing from your pre-tax accounts, and how much. Using the real Uniform Lifetime Table and the actual SECURE 2.0 age for your birth year.
S&P 500 vs. Indexed Annuity. Sequence of Returns
The market's long-run average matters less than what happens the year you retire. See how sequence-of-returns risk plays out for real historical retirement start years.