Three tiers that build on each other — from understanding where you are, to building an actionable plan you can follow on your own, to sophisticated optimization with advisory support.
"Where do I stand?"
A quick health check across all four levels of your financial pyramid. Identify strengths and gaps in 10-15 minutes.
"What's my plan?"
Deep-dive tools that build a real, actionable plan — debt payoff strategies, retirement projections, insurance recommendations, and a behavioral self-assessment."How do I optimize everything together?"
Sophisticated strategies that coordinate across all levels — tax optimization, withdrawal sequencing, behavioral coaching, and multi-year planning.The Foundational Plan gives you actionable tools to build a real plan you can follow on your own — strategies, projections, and recommendations across all four levels of your financial pyramid.
The foundation of your financial plan. Optimize debt, project your cash flow, and set savings targets.
| Capability | Diagnostic | Foundational Plan | Advanced Plan | Financial Health Score | ✓ | Gap Identification | By level | Specific issues identified | Cross-level analysis | Improvement Potential | — | ✓ "If X, then Y" | ✓ Multi-year projections | ||||||||||||||||||||||||||||||||||||||||||||
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| Cash Flow Optimization | Savings Rate Analysis | ✓ + targets | Debt Payoff Optimizer | 3 strategies compared | Coordinated with investments | Cash Flow Projection | 12 months | Multi-year with tax events | Wealth Accumulation | Retirement Projection | Single scenario | Monte Carlo simulation | Full scenario modeling | Social Security Optimizer | Spousal coordination | Roth Conversion Analysis | Basic comparison | Multi-year laddering | Withdrawal Sequencing | Risk Management | Insurance Gap Analysis | Coverage gaps | Dollar amounts + cost | Coordinated strategy | Emergency Fund | + funding timeline | Legacy Planning | Document Checklist | Prioritized actions | Attorney coordination | Estate Tax Exposure | Basic estimate | State + Federal | Advanced strategies | Cross-Level | Level Coordination | Transition guidance | ✓ Full integration | Tax Optimization | Single-year | Multi-year strategy | Asset Location | |||||||||||||||
The Advanced Plan is where your Foundational Plan becomes a coordinated, multi-year strategy with personalized advisory support. Everything connects — because every financial decision ripples across your entire financial life.
Every financial decision affects other areas. We model the ripple effects — how a Roth conversion affects Medicare premiums, how insurance changes affect your estate plan.
Strategic timing of income, conversions, and capital gains across your lifetime — not just this year's return.
Your Behavioral Profile shapes how we work together — custom communication cadence, pre-planned responses to volatility, and frameworks that match your tendencies.
Coordinated account sequencing and claiming timing that maximizes sustainable retirement income.
What if you retire early? What if tax rates change? What if you inherit assets? We model your actual life possibilities.
Quarterly reviews, proactive adjustments when life changes, and direct access for questions as they arise.
Begin with the Diagnostic to understand where you stand, then use the Foundational Plan tools to build an actionable plan you can follow on your own.
Disclaimer: The tools and projections on this platform are for educational purposes only and do not constitute financial advice. Results are estimates based on the information you provide and standard assumptions. Consult a qualified financial professional for advice tailored to your specific situation.