Upgraded the customer journey and coach suggestions via new displays on the dashboard, a new “Your Progress” page, and added filters (and a modified UI) to the suggestions page

Added and improved white-label features on the core planner app for our enterprise partners

Built a new widget to calculate $ amounts to convert from IRA to Roth accounts depending on what a user is trying to accomplish

Modified several tax-related assumptions applying to social security and RMDs

Bug fixes: windfalls and one-time expenses after primary longevity age date are now properly modeled, several charting display issues are improved, and a minor corner case with future relocations is no longer happening

Added TCJA modeling capability to the API product

View the complete Release Notes specific to the API product here

Extended retirement age variable to be used across all relevant payment streams

Enhanced income-linked contribution UX by allowing updates (and displaying relevant data) in accounts and contributions sections of Planner

Shipped a new plan progress section to more easily see and navigate to plan completion items

View the complete Release Notes specific to the API product here

Planner users can now link savings contributions to income streams, making their plan more accurate and easier to maintain

Planner users also have the option to add employer matching savings streams alongside their income-linked contributions

Upgraded our simple retirement calculator mini-tool so that enterprise and content partners are now able to easily embed the tool into articles, blog posts, and other websites

View the complete Release Notes specific to the API product here

Launched the new Classroom offering

Various bug fixes including improvements to our net worth calculation, social security benefits logic, and optimizers

Launched a new feature enabling retirement age to be a variable input that can be utilized to update multiple payment streams at once

Launched in Planner app the ability to change an account’s rate of return over time (for example, reduce the risk/return profile of an account once a user reaches retirement)

Added the ability to exclude specific accounts from the standard withdrawal order.

Added the ability to update key info in multiple accounts in one screen.

Upgraded our age/date pickers in key places (full roll-out across the planner coming next month).

Updated our tax treatment for deductible disbursements.

Added a spending power metric to supplement our API analytics product offering for enterprise clients.

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)