I've been doing financial planning for forty years. RightCapital is powerful — and yes, it could technically handle most of what I needed. But facing complex multi-generational inheritance planning, or fifty Apple stock lots with IRMAA and Roth conversion implications, meant long hours building models with output that was unfriendly and hard to present. RightCapital couldn't touch it. Excel takes too long.
So I built an app.
What used to take many hours now takes thirty minutes. The output goes directly to the client — personalized, interactive, and built to last. The scenario comparison chart at upper right isn't a static slide deck. It's a live tool the client can come back to.
The second gap I hit: modeling fixed indexed annuities alongside equities and fixed income to show the actual risk-reduction impact on a portfolio. No such tool existed anywhere. Every efficient frontier model on the market treated the universe as equities, bonds, and maybe alternatives — nothing that correctly modeled a floor-and-cap FIA return profile against price-only indices.
So I built that too. The chart to the right isn't theoretical. It plots 10,000 Monte Carlo portfolios against 22 years of actual data, with the FIA sitting exactly where it belongs on the frontier — lower volatility, real return, zero drawdown floor. Maximum Sharpe at just 4.9% standard deviation. That's a conversation-changer.
Oh — and this tool lives on your site, under your brand. Your clients never leave your ecosystem. And the learning curve compared to eMoney and its peers? It's a moped versus a 747. Your clients actually use it.
Now I'm asking: Let's work together.
Try it and tell me what you like, what you don't like, and what you'd like to add. Early access is open to a limited number of independent advisors.