Sample analysis — fictional data for “Walt”, 58, a few years from retirement in Phoenix. This is the real cockpit; the numbers just aren't yours yet.
Run yours free →Every financial decision, optimized.
A structured, progressive read on your financial trajectory.
01Snapshot
- Cash flow100
- Emergency fund100
- Debt100
- Retirement65
- Diversification80
- Protection70
Top ~30% of U.S. households age 55–64
- 23%Cash$204k
- 68%Retirement$610k
- 9%Brokerage$85k
02Spent
$2,291/mo- travel$900
- groceries$520
- dining$380
- utilities$240
- other$210
- Safeway ×2$520
- Marriott$520
- American$380
- SRP$240
- State Farm$210
- SRP · $240
- State Farm · $210
- Netflix · $23
- Hulu · $18
03Analysis
⚠ 4 alertsAbout $190,254 sits above a 6-month buffer in low-yield accounts. At 4% APY that's ~$7,610/yr left on the table.
About $900/mo goes to travel (mostly Marriott, $520/mo) — roughly $10,800/yr.
Subscriptions total $251/mo ($3,012/yr): State Farm ($210/mo), Netflix ($23/mo), Hulu ($18/mo). Some may be unused.
Total Bond Fund makes up ~39% ($270,000) of your $695,000 invested. A single position this size means one company's bad year is your portfolio's bad year.
Your investments are ~39% equities; a common rule of thumb at 58 is ~52%. You may be holding more cash/bonds than your time horizon needs.
Insurers price loyalty poorly — rates drift up on renewal. Re-quoting yearly typically trims ~15% (illustrative).
04Action Plan & Forecast
0/16 done- 01Move idle cash to high-yield savingsTop move+$7,610/yr
- 02Review your investment mix+$4,530/yr
- 03Trim travel spending+$3,240/yr
- 04Review single-stock concentration+$2,620/yr
- 05Audit recurring subscriptions+$753/yr
- 06Re-quote your insurance+$378/yr
- 07DeferralPre-tax 401(k) contributions lower this year's tax~$5,170/yr
- 08HSAAn HSA is the most tax-advantaged account you can use~$1,881/yr
- 09Account choiceAt a 22% bracket, consider a mix~$700/yr
- 10Capital gainsTax-loss harvesting in your taxable account~$660/yr
- 11Capital gainsHold over a year for long-term capital-gains rates~$298/yr
- 12Asset locationPlace tax-inefficient assets in your tax-advantaged accounts~$213/yr
- 13✦ PersonalizedCapture your full employer 401(k) match~$4,200/yr
- 14✦ PersonalizedRoth IRA: tax-free growth you can use~$284/yr
- 15✦ PersonalizedCatch-up contributions unlocked at 58~$1,650/yr
- 16✦ PersonalizedAn HSA is the only triple tax-advantaged account~$1,881/yr
Forecast
Modeled trajectory $9,151,939(2056)Monte Carlo · 500 paths · 80% land between $4,221,447 and $15,293,283 by 2056.
Check moves off above to watch the dotted line respond — captured savings are redirected into your trajectory.
05Personalized Opportunities
✦ TailoredOpportunities specific to your situation — career moves, employer benefits, account structure, tax and location edges a generic checklist would miss.
Capturing your full employer 401(k) match is the highest-return move in finance — an instant 50–100% before any market return, often around $4,200/yr at your income. Contribute at least enough to get all of it.
At your income you can contribute directly to a Roth IRA — up to $7,000 this year ($8,000 at 50+) — for completely tax-free growth in retirement, one of the most powerful and underused long-term accounts.
At 58 you can make catch-up contributions — an extra $7,500 to a 401(k) and $1,000 to an IRA — extra tax-advantaged room in your peak earning years.
If your health plan is HSA-eligible (a high-deductible plan), you can put in up to $8,550 this year — deductible going in, tax-free growth, tax-free out for medical costs. Many people invest it and treat it as a stealth retirement account; confirm eligibility with a CPA.
The named beneficiary on a 401(k), IRA, or brokerage account controls where that money goes — a will doesn't override it, and forms filled in at a first job rarely get revisited. With a spouse, confirming the primary and contingent names on every account (plus basic directives — a will, powers of attorney, a healthcare directive) is an afternoon that decides where the largest accounts you own actually land.
Auto and homeowners policies typically cap liability well below what you've built, and a judgment above the limit reaches personal assets. Umbrella liability sits on top of both and is one of the cheapest coverages per dollar protected — worth pricing at your next renewal.
Every year you delay claiming between 62 and 70 permanently increases the monthly benefit. Modeling claim ages against your cash needs before you retire is one of the highest-impact decisions left on the board.
Long-term-care insurance premiums rise steeply and eligibility narrows after 60. Pricing coverage now — even if you ultimately decide to self-insure — keeps the decision yours instead of the underwriter's.
Open Dialog: Corrections, Comments, Questions
Ask anything about your results — or flag a number that doesn't match reality. The AI answers from your analysis (for educational purposes only).
Upgrade to Command ($14.99/mo) to open the dialog and ask unlimited questions about your analysis.
