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Retirement Analyzer from Retirement Analyzer
Retirement cash flow projections, Social Security optimization, pension analysis, health care planning, real-time scenario adjustments, client reporting and interactive workshops.
More about Retirement Analyzer
Product analysis by function
Retirement Planning Systems for Financial Planning
Specialized software for modeling retirement scenarios, calculating required savings rates, projecting retirement income needs, and analyzing Social Security optimization strategies.
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Client Data Management
(8 Yes /8 Known /10 Possible features)
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Comprehensive Profile Storage Ability to capture and store detailed personal, family, and demographic data for each client. |
Retirement Analyzer stores detailed client demographic and financial data for projections and modeling. | |
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Document Management Upload and link client documents for reference and compliance (e.g., tax returns, Social Security statements). |
Product supports uploading and linking of client documents, per features list and demo videos. | |
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Customizable Data Fields Option to configure and add new fields as needed by the advisor. |
Product allows for custom data entry and advisor-specific fields, supporting configuration of additional data points. | |
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Data Import Capabilities Support for bulk or API-driven import of client data from CRMs or custodians. |
Support for import from external data sources such as CRMs or custodians is mentioned in product materials. | |
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Multi-Client/Household Support Ability to manage planning for couples or extended households. |
Product supports multi-client/household scenarios in retirement planning projections. | |
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Access Controls Granular user permission management for client confidentiality. |
No information available | |
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Audit Trails Track and log changes to client data for compliance. |
Audit logs for changes to scenarios and client data referenced in compliance documentation. | |
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Data Encryption Secure encryption for data at rest and in transit. |
Product states use of data encryption for all client information per security policy. | |
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Data Backup Frequency How often the client data is backed up. |
No information available | |
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Multi-Device Accessibility Access client data from web, tablet, or mobile devices. |
Web and tablet access mentioned as client and advisor platforms; mobile is not certain. |
Retirement Scenario Modeling
(10 Yes /10 Known /10 Possible features)
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Goal-Based Planning Set and track retirement lifestyle goals. |
Goal-based planning is a headline feature: retirement spending and income targets. | |
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Monte Carlo Analysis Probability-based simulations for potential retirement outcomes. |
Monte Carlo analysis is explicitly referenced in the features list for scenario stress testing. | |
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Multiple Scenario Comparison Contrast different saving, spending, and retirement age combinations. |
Product allows for comparison of multiple retirement scenarios for a client. | |
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Sensitivity Analysis Test plan sensitivity to variables such as inflation or market returns. |
Sensitivity analysis included as part of scenario exploration and adjustment. | |
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What-If Calculators Interactive tools for instant scenario changes (e.g., early retirement). |
Real-time what-if calculators highlighted on the 'Interactive Workshops' and scenario modeling. | |
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Retirement Age Flexibility Ability to set and model single or phased retirement ages. |
Supports single or phased retirement ages in scenario parameters. | |
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Deferred and Partial Retirement Support Model phased retirements, encore careers, and bridge jobs. |
Deferred and partial retirement support available based on examples and templates. | |
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Tax Rate Assumption Flexibility Customizable current and future tax rates assumptions. |
Tax rate assumptions can be customized for future projections, as per features and screen shots. | |
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Outcome Probability Reporting Reporting on the probability of plan success based on simulation. |
Outcome success probabilities are displayed in plan simulation outputs. | |
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Scenario Save and Archive Save and revisit previous scenario analyses. |
Ability to save, revisit, and archive multiple scenarios per client is standard feature. |
Savings and Contribution Planning
(8 Yes /8 Known /10 Possible features)
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Savings Gap Analysis Calculate shortfall between projected assets and retirement income needs. |
Product includes a savings gap analysis to determine projected shortfall. | |
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Optimal Savings Rate Calculator Automatically compute required savings rates to hit client goals. |
Optimal savings rate calculators are present in product demo and marketing collateral. | |
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Contribution Scheduling Model custom schedules for 401(k), IRA, HSA, or other retirement account contributions. |
Contribution scheduling for retirement accounts is described in documentation and demo. | |
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Employer Match Modeling Calculate matching contributions and impacts on plan health. |
Employer match calculations part of the 401(k) module functionality. | |
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Catch-Up Contributions Handling Support for modeling age-based increased contribution limits. |
No information available | |
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Multi-Account Projections Project outcomes using multiple account types and sources. |
Can handle projections across multiple account types (401k, IRA, etc.). | |
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Automatic Inflation Adjustments Apply inflation assumptions to future savings estimates. |
Automatic application of inflation assumptions for savings and income streams. | |
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Custom Retirement Accounts Add and configure non-standard or custom account types. |
Custom retirement account types are configurable as per product FAQ. | |
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External Account Integration Ingest current balances and transactions from custodians or aggregators. |
External account integration supported, including data import from custodians. | |
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Contribution Limit Warnings Automatic alerts if projected contributions exceed legal annual limits. |
No information available |
Retirement Income Planning
(10 Yes /10 Known /10 Possible features)
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Income Source Modeling Project income from pensions, annuities, Social Security, rental income, and other sources. |
Income streams from Social Security, pensions, annuities, and rental are modeled. | |
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Withdrawal Strategy Simulation Model various withdrawal strategies (e.g., 4% rule, bucket, dynamic withdrawals). |
Withdrawal strategy simulation (various rules) highlighted in retirement income tools. | |
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Required Minimum Distribution (RMD) Calculation Automate RMD forecasts for tax-deferred accounts. |
RMD automation is a stated feature for tax-deferred accounts. | |
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Tax-Efficient Drawdown Sequencing Model optimal order of account drawdowns to minimize taxes. |
Tax-efficient withdrawal sequencing included for maximum retirement income. | |
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Longevity Modeling Account for client-specific longevity projections and risks. |
Longevity modeling is mentioned as part of risk analysis scenario planning. | |
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Expense Tracking and Projections Forecast and categorize retirement living expenses. |
Forecasting and categorization of expenses provided in retirement scenarios. | |
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Spending Shock Events Model possible one-time expenses (e.g., healthcare events, home purchase). |
Spending shock events can be modeled; healthcare and one-time expenses are supported. | |
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Income Gap Analysis Identify and quantify the gap between guaranteed and required income. |
Income gap analysis between guaranteed sources and expenses available in output reports. | |
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Multi-Year Cash Flow Reporting Report cash flows year-by-year over the retirement period. |
Year-by-year cash flow reporting provided in retirement analysis outputs. | |
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Custom Inflation Assumptions Allow separate inflation rates for different expense categories. |
Custom inflation assumptions for different expense categories supported. |
Social Security Optimization
(8 Yes /8 Known /10 Possible features)
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Benefit Projection Integrate actual or estimated Social Security earnings and estimate benefit by claim age. |
Benefit projections for Social Security are part of the core optimization feature set. | |
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Filing Strategies Support analysis of claiming strategies (early, FRA, delayed, spousal, survivor). |
Filing strategies including early, delayed, spousal, and survivor are supported. | |
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Taxation of Benefits Account for federal and state taxation of Social Security income. |
Product accounts for federal and state Social Security taxation. | |
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Break-Even Analysis Calculate break-even ages for filing at different times. |
Break-even analysis of Social Security filing age is a highlighted feature. | |
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Restricted Application Modeling Analyze effect of restricted application for eligible clients. |
No information available | |
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Earnings Test Simulation Model impacts of working and income on benefits before FRA. |
Earnings test simulation for working before FRA is supported by the Social Security module. | |
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Survivor & Divorcee Benefits Handle special cases for survivors and ex-spouses. |
Handles scenarios for survivor and divorcee Social Security benefits. | |
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Integration with Retirement Cash Flows Automatically include Social Security benefits in overall income plan. |
Social Security benefits are integrated into total retirement cash flows in all modules. | |
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Annual Statement Import Import official Social Security statement data (e.g., .xml or PDF parsing). |
No information available | |
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Benefit Start Age Flexibility Allow input of custom benefit start ages for client & spouse. |
Benefit start age is customizable for client and spouse. |
Tax Planning and Analysis
(7 Yes /7 Known /10 Possible features)
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Tax Bracket Visualization Show projected tax brackets per year in retirement. |
Shows projected tax bracket by year throughout retirement in tax reports. | |
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Marginal Effective Tax Rate Calculation Display impact of withdrawals or conversions on total tax liability. |
Marginal effective tax rate calculation available where withdrawals/conversions modeled. | |
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Roth Conversion Analysis Simulate Roth conversions and quantify long-term effects. |
Roth conversion analysis available and displayed in planning tools. | |
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Capital Gains Realization Modeling Include planning for taxable investments and capital gains events. |
Capital gains realization is modeled as part of tax projection tools. | |
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State-Specific Tax Rules Customize tax projections to client’s state of residence. |
System customizes state-based tax calculations for both income and retirement. | |
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Medicare IRMAA Simulation Estimate Medicare premium surcharges due to income spikes. |
Medicare IRMAA premiums estimated based on income projections. | |
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Deductions and Credits Support for common deductions/credits affecting retirees (age 65+, medical deduction, etc.). |
No information available | |
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Estate and Inheritance Tax Calculation Model potential estate/inheritance taxes and gifting strategies. |
No information available | |
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Year-End Tax Summaries Generate annual tax summary reports for clients. |
Year-end tax summary reports available for clients. | |
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Tax Law Update Frequency How often the system updates modeling for new tax laws. |
No information available |
Integration and Data Connectivity
(4 Yes /4 Known /10 Possible features)
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API Access Available developer APIs for programmatic data import/export. |
No information available | |
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Account Aggregation Support Automatic syncing of external bank, investment, and retirement accounts. |
Supports account aggregation and syncing with external financial institutions. | |
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Custodian/CRM Integration Integrate with major custodians and CRM platforms. |
Integrates with certain custodians and CRM platforms, per integrations page. | |
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Real-Time Data Feeds Support for live prices and position updates. |
No information available | |
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File Import/Export Options Support for CSV, Excel, Open Financial Exchange (OFX), and PDF files. |
Supports import/export of data in CSV, Excel, and PDF formats. | |
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Two-Factor Authentication Support Secure login and integrations to protect data flows. |
Two-factor authentication is standard for advisor login. | |
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Single Sign-On (SSO) Seamless login across platforms with corporate SSO. |
No information available | |
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Integration with Planning Tools Connect to proposal, risk profiling, or document signing tools. |
No information available | |
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Update/Sync Frequency How often external data updates (e.g., balances, transactions). |
No information available | |
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Open Banking Standards Compliance Adherence to Open Banking API/data standards for interoperability. |
No information available |
Reporting and Presentation
(6 Yes /6 Known /10 Possible features)
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Custom Report Builder Create branded, advisor-specific report templates. |
Custom report builder present for advisor-branded report templates. | |
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Scenario Comparisons Visualize and explain different retirement strategies side by side. |
Scenario comparisons provided with visualized side-by-side strategy presentation. | |
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Export Formats Export reports in PDF, web, and Excel formats. |
Supports export of reports in PDF, Excel, and web page formats. | |
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White-Labeling Offer branding options for advisory firms. |
White-label/firm branding options available for advisors. | |
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Presentation Mode Advisor-friendly client presentation and guided walkthrough tools. |
Presentation mode described for client workshops and meetings. | |
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Client Portal Access Enable clients to securely review reports and scenarios on demand. |
Secure client portal for report/scenario review is included. | |
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Interactive Dashboards Live dashboards for ongoing engagement and feedback. |
No information available | |
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Language Localization Reports and interface available in multiple languages. |
No information available | |
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Accessibility Compliance Reports meet standards for ADA and screen-reader usability. |
No information available | |
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Automated Distribution Scheduling Auto-send reports to clients or advisors at set intervals. |
No information available |
User and Advisor Experience
(3 Yes /3 Known /10 Possible features)
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Step-by-Step Guided Workflows Templates and wizards for guiding advisors through plan creation. |
Step-by-step and workflow-based plan creation supported via templates and wizards. | |
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In-App Help and Tutorials Context-sensitive help, guides, and support documentation. |
No information available | |
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Bulk Plan Creation/Update Ability to update assumptions/scenarios for multiple clients at once. |
No information available | |
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Customizable Defaults Set firm- or advisor-specific default planning assumptions. |
Custom firm/advisor-level planning defaults can be set during onboarding. | |
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Keyboard Accessibility Efficient navigation and data entry for power users. |
No information available | |
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Work Queue/Dashboard Prioritize and assign tasks for client management. |
No information available | |
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Advisor Collaboration Features Support for team notes, comments, and shared client planning. |
Advisor collaboration via comments and shared planning is supported. | |
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Mobile App Availability Native or responsive mobile app for planning on the go. |
No information available | |
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Performance Speed Average time to run/report a complex scenario. |
No information available | |
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Customizable Task Alerts Notifications and reminders for plan reviews, contribution deadlines, or RMDs. |
No information available |
Compliance and Security
(7 Yes /7 Known /10 Possible features)
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FINRA/SEC Compliance Tools Configurable disclosures, audit trails, and documentation built for U.S. regulation. |
FINRA/SEC compliance tools, including disclosures and audit logging, are listed as compliance features. | |
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GDPR/Global Data Compliance Adapts to international data privacy regulations. |
No information available | |
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Multi-Factor Authentication (MFA) Requires MFA for access by advisors and clients. |
Multi-factor authentication can be enabled for both advisors and clients. | |
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Penetration Testing Frequency Frequency of system security audits and penetration testing. |
No information available | |
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User Role and Permission Granularity Define fine-grained roles for access to sensitive data. |
User role and permission settings are supported as part of advisor/admin controls. | |
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Data Encryption Level Encryption standard used for all client data. |
Data is encrypted in-transit and at-rest, with modern encryption standards referenced. | |
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Audit Logging Comprehensive logging of all user actions for oversight. |
Comprehensive audit logging noted as a primary compliance feature. | |
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Automated Compliance Alerts Receive alerts for out-of-policy actions or missing documents. |
Automated compliance alerts for out-of-policy conditions or documentation are referenced. | |
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Consent Management Track client and user consent for required data uses. |
No information available | |
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Secure Document Delivery Send retirement reports and data via encrypted channels only. |
Reports and sensitive communication are delivered through encrypted channels. |
Product Support and Updates
(6 Yes /6 Known /10 Possible features)
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Live Support Availability Access to phone, chat, or email support during business hours. |
Live support available during business hours via phone and email. | |
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24/7 Emergency Support Round-the-clock support for critical issues. |
No information available | |
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Implementation/Onboarding Assistance Vendor-provided hands-on help during onboarding. |
Implementation and hands-on onboarding assistance is a standard part of the offering. | |
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Scheduled Training Sessions Availability of recurring live or recorded product training. |
Live and recorded training sessions are offered regularly. | |
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User Community / Forums User-driven discussion groups and advisor knowledge sharing. |
User community and advisor discussion forums are available to subscribers. | |
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Knowledge Base Depth Breadth of searchable documentation and FAQs. |
No information available | |
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Product Update Frequency How often new features/functionality are released. |
No information available | |
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Bug Fix Response Time Average time to fix critical system bugs. |
No information available | |
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User Feedback Channels Integrated feedback and suggestion collection. |
In-app feedback and bug reporting are directly available for advisors. | |
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Service Level Agreement (SLA) Vendor guarantees for uptime and support response. |
Service level agreements described in enterprise product documentation. |
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