Launched a brand-new UIUX for My Plan – big changes, take a look if you haven’t yet! The new design is a beautiful, modern, mobile-friendly app that makes it simpler to find and input data and much easier to view the forecasted results and impact of changes to your plan.

Launched an enterprise-facing API toolkit that allows any organization to build best-in-breed financial planning and forecasting tools. Contact us to learn more.

Built a number of powerful features into the API which will be included in the consumer-facing app over the next few weeks. These include income-linked contributions with optional employer-matched contributions, varied account returns over time, variable start times on pension and annuity COLAs, and more.

Updated payments infrastructure to utilize Stripe.

Improved the free Retirement Calculator

Enhanced the Monte Carlo calculation to more accurately capture the range of plan outcomes

Multiple back-end enhancements in anticipation of upcoming app improvements

Launched a partnership with Marketwatch with a dedicated site for MW users

Added the option to review your ‘average’ plan assumptions in addition to optimistic and pessimistic

New Insights Library to highlight the various graphs, charts, and explorers available

Improved our Monte Carlo modeling and data visualization, and applied Monte Carlo analysis to optimistic and pessimistic assumptions (in addition to average assumptions, which was already happening)

Multi-year scheduled withdrawals now available

Social security claiming is now done by month (previously, it was limited to a given year)

Updated lifetime income projection chart with net savings drawdowns

New Coach page

Expanded access to the Beta Roth Conversion Explorer

Bug fixes for capital gains/estimated tax reporting and a few other small items

Customizable labels across multiple accounts, expenses, and other items

Updated Onboarding flow for new users

Beta Release of new Roth Conversion Explorer

Added new Communities and Live Events sections 

Launched new retirement calculator

Updated new dashboard design

Launched new dashboard beta

Centralized accounts such that balances and other permanent data fields stay in sync across scenarios

Updated the blog in a few places, including new hub pages and more

HSA / 529 Account support added along with related tax forecasting improvements.

Services API architecture updated and moved to Rails – 30% faster, more maintainable and scale-able.

Better instrumentation across our customer life cycle.

Fixes & improvements across Financial Projections, Account Linking and Monte Carlo.

Initial help section with “how to” articles & videos. (see the magnifying glass in the Planner header)

Monte Carlo (Beta) – 1,000 simulations – running on AWS Lambda so we can scale this

Social Security – automatically adjust benefit based on claiming date

We started making Product Tours – still in progress and we’re adding videos

Account Aggregation – you can now link your accounts so that your plan will be kept up to date.

• Assets (Bank, Brokerage, 401K, etc) and
• Debts (Mortgage, Credit Cards, etc)

PlannerPlus Live – aka dedicated coaching support for your Plan

Google Authentication for Login (including underlying data/authentication model)

Migrated to modern WordPress & updated theme.

Site speed improvements

Improved one time financial event handling for RMDs (Required Minimum Distributions) and Charting

Completed porting the entire Planner to React.

Improved tax modeling for one time taxable events.

Tax modeling improvements – cap gains, investment income, inherited IRAs, state tax tuning.

Implemented state specific income tax rules.

RMD modeling updated for spouses > 10 years younger.

Add Federal tax only for pensions & annuities.

Add FICA and Medicare/SDI tax modeling.

Optimize Withdrawals 1.0 – new disbursement controls for Inherited IRAs, charitable giving, etc,

Improve home equity modeling

Improve navigation

Withdrawals 1.0

Allow users to specify tax treatment on investment accounts

Cloud migration – all on AWS (Amazon Web Services)