Planning Modules
Explore Your Financial Questions

Select a module below to get personalized guidance. Your inputs are preserved within your session.

Module 01

Am I Saving Enough?

See if your current savings rate puts you on track for the retirement you envision.

Module 02

How Should I Be Invested?

Get a personalized allocation based on your risk tolerance and time horizon.

Module 03

Pre-Tax or Roth?

Compare your current tax bracket to retirement to find the optimal contribution type.

Module 04

Roth Conversion Evaluator

Determine if converting pre-tax dollars to Roth could reduce your lifetime tax burden.

Module 05

Saving for College

Estimate education costs, compare account types (529, Coverdell, UTMA), and build a savings plan.

Module 06

Debt Payoff Planner

Enter your debts and compare snowball vs. avalanche strategies to find the fastest path to debt-free.

Module 07

Debt Payoff vs. Retirement Savings

Should you pay down debt aggressively or capture your employer's 401(k)/403(b)/457 match? Compare the true cost of each strategy.

Module 08

Debt Consolidation Evaluator

List your debts and see whether consolidating into a single loan could lower your total interest and simplify payments.

Module 09

Trump Accounts (MAGA Accounts)

Learn about the new tax-advantaged savings accounts for children, check if your child qualifies for the $1,000 government deposit, and project account growth.

Am I Saving Enough?

Let's see where you stand and what it would take to reach your retirement goal.

In today's dollars — we'll adjust for inflation
Total: 401(k) + IRA + brokerage

How Should I Be Invested?

Answer a few questions and we'll recommend an asset allocation.

Pre-Tax or Roth Contributions?

This depends on your tax bracket now vs. what you expect in retirement.

SS + pensions + expected withdrawals

Roth Conversion Evaluator

Should you pay tax now on pre-tax retirement dollars to benefit from tax-free growth later?

Saving for College

Estimate what you'll need and which account type works best for your family.

Debt Payoff Planner

Add your debts below, set your total monthly budget, and compare payoff strategies.

Total you can put toward all debts each month
Debt NameBalance ($)Interest Rate (%)Min. Payment ($)

Debt Payoff vs. Retirement Savings

Compare the financial impact of paying down debt aggressively versus contributing to your employer-sponsored retirement plan and capturing the match.

Your Situation
Leave blank to auto-estimate from income
Extra cash per month for debt or retirement
Employer Match Structure

Define your employer's matching tiers. For example: "100% match on first 3% of salary" + "50% match on next 2% of salary."

Your Debts
Debt NameTypeBalance ($)Interest Rate (%)Min. Payment ($)
Long-term expected return in retirement plan
How many years to project forward

Debt Consolidation Evaluator

Enter all your current debts, then explore whether a consolidation loan could save you money and simplify your payments.

Your Current Debts
Debt NameTypeBalance ($)Interest Rate (%)Min. Payment ($)Remaining Months
Consolidation Loan Options

Enter the terms you've been offered or are considering for a consolidation loan. You can compare up to 3 options.

Option A
One-time fee deducted from proceeds
What you can put toward debt each month total

Trump Accounts (MAGA Accounts)

Explore the new tax-advantaged savings accounts for children created under the One Big Beautiful Bill Act. Check eligibility, estimate contributions, and project long-term growth.

What Are Trump Accounts?
Created under the One Big Beautiful Bill Act, Trump Accounts are tax-advantaged investment accounts for U.S. children and young adults. Key features include:
✓ $1,000 government seed deposit for qualifying children born 2025–2028
✓ Tax-free growth — earnings grow free of federal income tax
✓ Up to $5,000/year in contributions from family, friends, or the child themselves
✓ Qualified uses: Higher education, first home purchase (up to $50,000), or retirement (after age 59½)
✓ Available to children under 18 (or under 24 if a student) at account opening
Note: This module reflects provisions as understood through the legislative process. Specific details such as income thresholds, contribution limits, and qualified uses may have been adjusted in final legislation or subsequent rulemaking. Always verify current rules at ssa.gov or irs.gov.
Eligibility Check — $1,000 Government Deposit
Account Growth Projector

Model how a Trump Account could grow over time. Works whether or not your child qualifies for the $1,000 seed deposit.

Additional one-time deposit beyond the $1,000
Max annual total from all sources: $5,000
How many years you plan to contribute
Historical stock market avg: ~7–10%
See what tax-free compounding could do
Get Personalized Guidance

Talk to a Financial Planner

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