What's New
New features, improvements, and fixes — newest first.
August 2, 2026
✨ Optimizer results you can reconcile
- Every dollar figure in the optimizer now reports the same thing — Net Legacy, what your heirs keep after tax — and all of them follow the Nominal $ / Today's $ toggle. Several previously mixed the two, so a headline could disagree with the recommendation it was summarising.
- Reliability now scores the package you have selected, rather than counting how many recommendations are individually robust. On plans where the changes only pay off in combination, the old figure could read 0% while the package itself was strongly positive across simulated markets.
- Unticking a recommendation re-scores the whole result against what you actually kept: the headline, the median and worst-case outcomes, safe-to-spend, and reliability. Previously some of those figures kept describing the full set.
- The results panel is now a single card that shows its own arithmetic — ending net worth gain, plus the heir tax the strategy removes, equals the Net Legacy gain. Where a plan's after-tax gain exceeds its before-tax gain, you can now see exactly why.
- Plans that run out of money are measured in time. Where every dollar figure is zero because nothing is left either way, recommendations are judged on how many years longer the money lasts.
- "How we optimized this" collapses to one scannable line per phase, with the detail behind a click, and now reports each phase's own contribution.
- Because of these corrections, saved optimizer results from before this release are cleared — re-run the Optimizer to see the updated figures. The recommendations themselves are unchanged; only how they were reported.
August 2, 2026
🐛 Optimizer accuracy fixes
- Plans that could be rescued by working a year or two longer weren't getting that recommendation — retirement-date changes weren't factoring in the extra salary. Fixed for both the Optimizer and What-If scenarios.
- Plans projected to run short could show nonsensical figures (billion-dollar "benefits," negative values) in the Optimizer's explanations. These now show a plain-English explanation — like how many extra years your savings last.
- Fixed wording that could describe claiming Social Security earlier as "delaying" it.
- Clarified Roth conversion guidance when it and a Social Security change achieve the same result — previously read as "Roth won't help," now explains they're alternatives.
- Applying or previewing Optimizer results could produce a different plan than the summary reported. Preview, Save, and the Optimized view now match exactly.
August 2, 2026
✨ Easier to find your heirs' tax rate
- Moved into its own highlighted Legacy assumptions section in the Portfolio step, and now shown alongside your Estate / legacy goal — it's the setting that determines how much of a Traditional IRA your heirs keep, and whether the Optimizer favors Roth conversions.
August 2, 2026
🔧 Improvements
- Standardized several pages (Firms, Client Plans, Changelog admin, Feedback admin) to use the full browser width, matching the rest of the app.
- The account activity history in the admin panel now paginates for accounts with a long history, instead of loading every event at once.
August 2, 2026
🐛 Fixed Monte Carlo and Historical Backtest for portfolios weighted toward retirement accounts
- If most of your savings were in a Traditional IRA, 401(k), or Roth IRA rather than a regular brokerage account, Monte Carlo simulations and historical backtests weren't applying market ups and downs to those balances — every simulated outcome came out nearly identical, understating both the risk and the range of possible results. Retirement account balances now experience realistic year-to-year market swings just like brokerage accounts, so the probability fan and backtest results reflect real portfolio risk.
August 2, 2026
🐛 Fixed a critical gap in the Life Insurance Needs calculator
- The insurance-gap calculator could report $0 additional coverage needed for households where the survivor's savings would actually run out years into retirement — the check was looking for a signal that could never trigger. It's now based on whether the survivor's plan runs out of money, and the recommended coverage amount is solved precisely rather than approximated.
August 2, 2026
🔧 Improvements
- Fixed several plan-editing screens (including Allocation over time) where a change could be silently lost if you navigated away right after making it — edits are now reliably saved.
- Fixed a display bug where percentage fields (e.g. inflation rate) sometimes showed long floating-point values like "3.5000000000000004" instead of what you typed.
- Renamed "Stocks & ETFs"/"Bonds" to "Brokerage Stocks"/"Brokerage Bonds" throughout charts and tables, to make clear these are your taxable account's holdings, not a separate account type.
- Renamed the "Financial Planner" header link to "Financial Plans" for clarity.
- Ask AI now retries silently through occasional errors instead of showing "Sorry, I encountered an error" on the first hiccup.
- Fixed a crash on older saved plans that were missing a newer field.
August 2, 2026
🎉 New: Big-expense look-ahead setting
- Fixed a bug where cash could balloon to 3-4x your Cash Cushion target for decades instead of getting invested — a look-ahead safety reserve was adding years of ordinary spending to the threshold every year, not just before genuine big expenses.
- The look-ahead reserve is now a real, adjustable setting ("Big-expense look-ahead") in the Portfolio step, instead of an invisible default.
August 2, 2026
🎉 New: Cash Sweep visibility
- New "Cash Sweep" chart tab shows, year by year, exactly when surplus cash gets invested and where it goes — split between stocks and bonds.
- The Portfolio Flow chart now shows your cash sweep as two separate flows — "Cash Sweep (Brokerage Stocks)" and "Cash Sweep (Brokerage Bonds)" — instead of one combined line, so you can see the actual stock/bond split.
- Ask AI can now explain how each account is taxed when it's drawn down, including why selling bonds doesn't trigger capital gains, and how to read the Cash Buffer lines on the Portfolio Flow chart.
July 24, 2026
🎉 New: Roth Conversion Schedule
- See exactly how much converts each year, when conversions stop, and why — right on your dashboard.
- Hover any year on the chart for a plain-English explanation of that year's conversion amount.
- Ask AI now describes your actual Roth conversion schedule accurately, whether you're viewing your base plan or the Optimized one.
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