PLANDRM

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Overdue Tasks

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Follow-ups Due

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Concentration Alerts

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Missing Beneficiaries

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Documents Needing Attention

Clients Needing Attention

Client	Net Worth	Why
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Overdue & Upcoming Tasks

Client	Task	Due	Priority
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Pipeline Funnel

Follow-ups Due

Concentration Alerts

Missing Beneficiary Designations

Documents Needing Attention

Recent Activity

Client	Type	Date	Subject
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Total AUM (Active Clients)

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Active Clients

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Avg. Household AUM

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New Clients (YTD)

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Retention Rate (12mo)

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Pipeline Conversion Rate

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Avg. Client Tenure

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Tasks Completed On Time

Net Worth Under Advisement — trailing 13 months, Active Clients

AUM by Pipeline Stage

New Client Additions

Meeting Cadence — trailing 12 months, Active Clients

Active Clients With No Meeting Logged in 12 Months

Referral Sources

Book Concentration

Fees — optional per-client data, set on the Clients page; averages exclude anyone left blank

This Quarter Billed

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Unpaid

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Draft

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Paid

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Client	Period	Fee Type	Basis	Amount Due	Status	Generated	Paid
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New Contact

Name

Profession

Firm

Phone

Email

Address

Notes

Tags (comma-separated)

Name	Profession	Firm	Contact	Tags	Linked Clients
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New Firm

Firm Name

Plan Tier

Seat Limit

Firm	Plan Tier	Seats	Active Users	Clients
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Firm Settings

Firm Name

Plan Tier

Seat Limit

New Person

Name

Email

Role

Name	Email	Role	Status
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Advisor

Assistant

Advisor	Assistant
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New Assistant

Name

Email

Name	Email	Status
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New Client

Name*

Date of Birth (required for Projector / Monte Carlo)

Retirement Age

Life Expectancy

Filing Status

State

State Tax Rate Preset

State Tax Rate (%, flat-rate override — no state brackets modeled)

Pipeline Stage

Next Follow-up

Owner (Advisor)

Contact Info

Email

Phone

Address

Tags (comma-separated — also used to find this client via shared Centers of Influence)

Fee Arrangement (optional — feeds the Practice page's average-fee metrics, otherwise left out of them)

Fee Type

Spouse (optional — leave blank for a single-person household)

Spouse Name

Spouse Date of Birth

Spouse Life Expectancy

Notes

Name	Stage	Owner	Filing Status	Retirement Age	Life Expectancy	Tags
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Select or create a client to manage accounts.

Select or create a client to itemize holdings.

Select or create a client to manage real estate.

Select or create a client to manage debt.

New Debt

Name*

Type

Balance ($)

Interest Rate (%)

Minimum Payment ($/mo)

Linked Real Estate (optional)

Include in Payoff Plan (defaults off for Mortgage/HELOC)

Notes

Total Debt

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Name	Type	Balance	Rate	Min Payment	Linked Property	Payoff Plan

Debt Payoff Plan

Extra Monthly Payment ($)

Compares 3 strategies for whatever debts are marked "Include in Payoff Plan" above: Minimum Payments Only (baseline), Snowball (smallest balance first), and Avalanche (highest interest rate first — mathematically minimizes total interest). Once a debt is paid off, its minimum payment rolls into the next one, same as real snowball/avalanche calculators.

Run a payoff plan to see the comparison.

Feed the Retirement Projector

As each debt above is paid off (Avalanche strategy), its old minimum payment can keep flowing into an account instead of disappearing — this runs the 30-year Retirement Projector twice to show what that's actually worth.

Reinvest freed-up payments into

Run the projection to see the comparison.

Loan Calculator — model a hypothetical loan, not tied to any tracked debt

Loan Amount ($)

Annual Rate (%)

Mode

Term (years)

Select or create a client to manage business equity.

New Business Equity Entry

Name*

Value ($)

Ownership (%)

Annual Business Income ($, TOTAL profit — salary + distribution combined for an S-Corp)

Tax Treatment

W-2 Salary Paid ($/yr — S-Corp only; the rest of Annual Business Income above becomes the K-1 distribution)

Specified Service Business (SSTB)?

Planned Sale Date

Planned Sale Value ($)

Notes

Name	Value	Ownership	Your Equity	Income/yr	W-2 Salary	Tax Treatment	SSTB?	Planned Sale

Select or create a client to track equity compensation.

Select or create a client to see their balance sheet.

Select or create a client to see their income statement.

Select or create a client to see their cash flow statement.

Select or create a client to manage income sources.

Select or create a client to plan one-time events.

Select or create a client to track their goals.

Select or create a client to see their tasks.

Select or create a client to see their activity log.

Select or create a client to see their snapshot.

Net Worth

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Open Tasks

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Planning Readiness

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Next Follow-up

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AI Meeting Brief

Click "Generate Brief" for a 30-second AI summary of what's changed and what to bring up before your next meeting with this client.

Family

Existing Client / Pipeline Lead

Name

DOB

Relationship

Notes

Centers of Influence

Existing Contact

Name

Profession

Firm

Phone

Email

Note

Referral source?

Referred this client

Net Worth Trend

Trend builds automatically each time the Balance Sheet loads — check back after a few days.

Open Tasks

Recent Activity

Change History — every save/delete on this client's record ▾

Select or create a client to see their readiness checklist.

Select or create a client to build their report.

Select or create a client to see their risk and allocation picture.

Select or create a client to track their budget.

Select or create a client to track insurance.

Select or create a client to run protective scenarios.

Insurance Needs Analysis

Life — Recommended

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Life — Owned

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Life — Gap

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Disability — Recommended (60% of income)

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Disability — Owned

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Disability — Gap

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Based on entered Income Sources + Debts only. Life = total debt + 10x annual income (a debt-plus-income-replacement variant of DIME; dependents/education aren't modeled anywhere in this app). Disability = 60% of annual income, the standard long-term-disability issue-limit convention, not full replacement. Income Sources here is summed regardless of start_age — if a client's real current salary isn't reflected there yet, add a rough entry for it or this will understate the need.

Death of an Income Earner

Income source(s) that would stop

Year of death (optional — defaults to this year)

Checking a Social Security source no longer zeroes it out — if the other spouse has their own active SS source on file (opposite Owner), the survivor's benefit steps up to whichever of the two is higher, matching real survivor rules at a simplified level (no government pension offset, remarriage, or restricted-application claiming nuance). Checking a pension reduces it to its survivor continuation % instead of zeroing it — set that % on the Income Sources page (0 = single life). Both require the income sources' Owner field (Primary/Spouse) to be set correctly — go set that on Income Sources first if it isn't. Everything else (wages, business income) still stops entirely, as before.

Run a scenario to see the comparison.

Disability

Reference income source (for benefit calc)

Disability starts at age

Duration (years)

Account(s) that would stop receiving contributions

Only account balances reflect this scenario — the year-by-year Income figure elsewhere in the app won't visibly drop, since this models the lost contributions and any disability benefit as account-level events, not a change to Income Sources. No group/employer disability coverage is assumed unless it's entered as its own Disability policy.

Run a scenario to see the comparison.

Long-Term Care

Cost reference — CareScout Cost of Care Survey 2025

State

Care type

Annual median

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State median, full annual cost of that care type — not itemized per policy or inflation-projected. "Extra annual cost" below is meant as spending ON TOP OF the household's existing baseline (see Assumptions) — subtract any of that baseline you'd expect to continue before using this figure as-is, or use it directly for a simpler, more conservative estimate.

Starts at age

Duration (years)

Extra annual cost ($, today's dollars)

Run a scenario to see the comparison.

Umbrella Liability Gap

Net Worth (Liability Exposure)

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Umbrella Coverage Owned

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Gap / Surplus

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A simple exposure check, not a projection — compares net worth (what a liability judgment could reach) against Umbrella Liability coverage on file.

Select or create a client to run scenarios.

Select or create a client to compare Social Security claiming ages.

Claiming Age	Annual Benefit	% of PIA
Enter a PIA and click Compute.

Select or create a client to run the Scenario Lab.

Scenario	Success Rate	Ending Net Worth	Depletion Year	Retirement Age
Click "Run Scenario Lab" to compare Base Case, Optimistic, and Stress.

Run the lab to see the comparison.

Custom Scenario

Return delta (percentage points)

Inflation delta (percentage points)

Spending change (%)

Retirement age change (years)

Extra monthly toward debt payoff ($)

Reinvest freed-up payments into

Every lever is applied as a delta against this client's own real assumptions and accounts already on file — nothing here is a fabricated absolute. Answers "what happens if I retire earlier," "spending is higher," "returns are lower," or "I pay off the debt" — alone or combined.

Primary Sensitivities

One-at-a-time sensitivity analysis, not causal attribution — each variable is tested alone, holding everything else fixed, to see how far it alone can move simulated plan success. It ranks which variables the plan is most sensitive to; it does not prove what's "causing" any result.

Click "Analyze Sensitivities" to rank which variables move this plan's success rate the most.

Explain a Result

Pick a scenario and click "Explain" to see exactly why the model reached its conclusion — separated into what was calculated, what the model deterministically inferred from it, and (only if generated separately via Meeting Copilot) what AI said about it.

How Do I Improve My Plan?

Each action below is tested alone through the same Monte Carlo engine as everything else on this page — these are simulated outcomes under the model's stated assumptions, not guaranteed advice.

Click "Get Recommendations" to rank which single changes would most improve this plan's simulated success rate.

Select or create a client to see their plan timeline.

Select or create a client to run a sequence-of-returns stress test.

3-Bucket Retirement Income Strategy

Bucket 1 (cash) funds spending directly; Buckets 2 (bonds) and 3 (growth) refill it annually. Deterministic — no market volatility modeled, shows the mechanics, not a success rate.

Total Portfolio ($)

Annual Spending ($)

Bucket 1 (years of cash)

Bucket 2 (years of bonds)

Bucket 1 Return (%)

Bucket 2 Return (%)

Bucket 3 Return (%)

Inflation (%)

Floor & Upside Allocation

Compares guaranteed income (Social Security, pension, annuities) against essential expenses. If guaranteed income already covers essentials, that's a "zero floor" — the rest of the portfolio can be invested for pure upside with no survival risk.

Guaranteed Annual Income ($)

Essential Annual Expenses ($)

Total Portfolio ($)

Floor-Funding Cost (% of gap, optional)

Pension Maximization

Single-life pension + term life insurance (self-insure the survivor) vs. the reduced joint-and-survivor election — total household cash across both phases (while both are alive, and after the pensioner's death).

Single-Life Annual Pension ($)

Joint-Survivor Annual Pension ($)

Annual Term Life Premium ($)

Life Insurance Death Benefit ($)

Years Until First Death

Survivor Years After

Roth Conversion Modeling

Two comparisons: paying the conversion tax from outside funds vs. withheld from the IRA (needs a client selected — uses their real tax picture, not a flat rate), and the general Roth-vs-Traditional advantage given current vs. assumed future tax rates.

Conversion Amount ($)

Years to Grow

Annual Return (%)

Select a client above to see this — uses their real current-year tax picture.

Roth vs. Traditional Contribution Advantage

Contribution Amount ($, pre-tax)

Current Marginal Rate (%)

Assumed Future Rate (%)

Years to Grow

Annual Return (%)

Roth Access & Backdoor Strategies

Direct Roth IRA contribution eligibility by MAGI, backdoor Roth pro-rata mechanics, and mega backdoor Roth room in a 401(k). 2026 best-effort limit estimates — verify against the actual IRS Rev. Proc./Notice. Not tax or filing advice.

Household MAGI ($)

Filing Status

Age

Mega Backdoor Roth (401(k) After-Tax Room)

Age

Elective Deferral Made ($)

Employer Contributions Made ($)

Plan allows after-tax contributions?

Yes

Invest Extra Cash vs. Pay Off a Loan Faster

Compares directing extra monthly dollars toward additional loan principal vs. investing them instead, holding total monthly cash outlay equal in both paths. Pre-tax — doesn't model the mortgage-interest deduction or capital-gains tax.

Loan Balance ($)

Loan Rate (%)

Loan Remaining Term (years)

Extra Monthly Dollars ($)

Assumed Investment Return (%)

Years to Compare

CD / Bond / Social Security Bridge Ladder

A maturity ladder sized to bridge income needs for a fixed number of years (e.g. before Social Security starts) — one rung maturing per year, priced at a single flat rate (a simplification vs. a real per-maturity yield curve).

Bridge Years

Annual Income Needed ($)

Rung Rate (%)

Select or create a client to track their estate plan.

Select or create a client to manage their documents.

Select or create a client to edit assumptions.

Federal Ordinary Income Brackets

Standard Deduction: —

Your Tax Estimate (Current Client)

Select a client above to see their estimated current-year tax.

Where Every Dollar Is, Tax-Wise

Taxable / tax-deferred / tax-free composition of every account — today, and projected forward to retirement age at current contribution rates. Not a drawdown simulation — see the Retirement Projector for what happens after.

Select a client above to see their tax-bucket breakdown.

What Your Deductions & Contributions Are Actually Saving You

Rough estimate — each row is a true counterfactual (whole return recomputed with that item removed), not a flat rate multiply. That's why a small itemized deduction can show $0 saved: if it doesn't clear the standard deduction, it isn't doing anything.

Long-Term Capital Gains Brackets

Roth Conversion "What If" (Current Client)

Select a client above to model a Roth conversion against their actual tax picture.

Roth IRA Eligibility

Select a client above to check Roth IRA eligibility.

Backdoor Roth

Select a client above to model a backdoor Roth.

Mega Backdoor Roth Capacity

Select a client above to check mega backdoor Roth capacity.

Roth vs. Traditional

Select a client above to compare Roth vs. Traditional.

Your Actual Contribution Capacity (Current Client)

Select a client above to see their actual earnings-based contribution room.

RMDs & Social Security

Select or create a client to run a projection.

Year	Age	Status	Income	RMD	Withdrawal	Taxes	Surplus / (Shortfall)	Invested Net Worth	Total Net Worth
Run a projection to see the year-by-year detail.

Select or create a client to run Monte Carlo.