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How the work actually happens

Comprehensive financial planning

How financial planning actually gets shipped — for the product, engineering, and ops people who build the software, not for would-be planners. Enough fluency to spec features, run vendor discovery, and make build-vs-buy calls.

How the work gets done
Derived automation mix
56% assisted · 44% automated
Automated — runs unattendedAssisted — software drafts, human approves

Discovery

Goals, values, risk tolerance, family structure.

  • Client discovery & risk profiling

    assistedannual

    An hour of structured questions surfaces goals, values, fears, family structure, and risk tolerance — captured in CRM, not on a notepad.

Data gathering

Accounts, tax returns, statements, insurance policies, estate docs.

  • Data intake & account aggregation

    automatedannual

    Tax returns parsed in minutes, accounts linked via aggregator, statements scanned — not 6 weeks of email back-and-forth.

Analysis

Cash flow, goals, Monte Carlo, tax overlay, estate, insurance gap.

  • Net worth & cash-flow build

    automatedquarterly

    Household balance sheet and 12-month cash flow in one view, refreshed automatically from linked accounts.

  • Goal modeling (retirement, education, large purchase)

    assistedannual

    Per-goal probability of success with sensitivity to savings rate, retirement age, and return assumptions.

  • Insurance needs analysis

    assistedannual

    Gap analysis across life, disability, LTC, P&C — recommendations tied to specific goals.

  • Estate scenario modeling

    assistedannual

    Current vs proposed estate plans flow-charted; transfer taxes, generation-skipping, charitable bunching modeled.

  • Tax-overlay analysis

    assistedannual

    Plan-level tax projection identifies Roth conversion windows, TLH opportunities, bracket-fill strategies.

  • Monte Carlo / probability of success

    automatedannual

    Stochastic projection with both deterministic and Monte Carlo views; clients see ranges, not point estimates.

Plan delivery

Conversation, visual story, scenario walkthrough.

  • Plan delivery & client conversation

    assistedannual

    Interactive scenario walkthrough in front of the client — not a 60-page PDF mailed before the meeting.

Ongoing monitoring

Refreshes, life-event triggers, annual reviews.

  • Ongoing plan refresh & alerts

    automatedmonthly

    Plan auto-refreshes off custodial + aggregator feeds; alerts fire on drift from goal, life-event triggers, or assumption breaches.

Practice & explore

Drills, quizzes, vendor matrix, industry map, and reads — all in one place.