What's New

New features, improvements, and fixes — newest first.

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

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" 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

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.

July 24, 2026

Firms can now upload their own logo, shown in the app header and footer for their clients.
The firm's logo also appears on client PDF reports and in invite emails.

July 24, 2026

Fixed PDF reports occasionally showing "$NaN" for plans with an older saved optimizer result.
Net Worth chart now appears above the Cash on Hand chart on your dashboard.
Cleaner, more specific error messages when something goes wrong signing in or during account actions.

July 17, 2026

New Net Legacy card on your dashboard, shown right alongside Legacy/Estate Value — it's your ending net worth after subtracting the income tax your heirs would owe on any Traditional IRA, 401(k), or HSA balance left behind.
The Optimizer now judges every strategy — including Roth conversions — by Net Legacy instead of raw net worth, so a smart conversion doesn't get penalized just for paying some tax today.
Estate goals can now be set as either a gross figure or "net of heirs' tax," matching how Net Legacy is calculated.
Roth conversion limits can combine multiple ceilings at once (e.g. stay under a specific Medicare/IRMAA tier and avoid the investment-income tax surcharge) instead of picking just one.
Roth conversion strategy is no longer something you configure blind in the wizard — it's a conclusion the Optimizer draws for you from your actual numbers. Want to hand-model a specific ladder yourself? That's still available in What-If Scenarios.

July 17, 2026

Beyond a simple straight-line stocks/bonds glide path, you can now build a fully custom allocation schedule with your own breakpoints in the Portfolio step.
This lets you model a "bond tent" — de-risking as you approach retirement, then gradually shifting back toward stocks afterward — something a single glide path can't express.
A live preview chart shows your allocation path as you build it.
The Optimizer's de-risking recommendation now works with a custom schedule too, adjusting only the years at and after retirement instead of overwriting your whole plan.

July 17, 2026

Fixed a bug where a plan that ran out of spendable money while still owning valuable real estate (a home, a rental) could be shown as on-track instead of flagged as depleted — this could also mislead the Optimizer into recommending a strategy that runs out of money early.
Added plain-English AI summaries explaining the Optimizer's top recommendations and why your plan earned its NestScore grade, shown right in their existing panels.
Fixed the mobile Expenses menu — Upload Expenses, Budget Management, and Category Management are now reachable from a phone or tablet (previously only the Dashboard was).
Added a "Complete Plan Settings" appendix and a "Return & Rate Assumptions" section to the PDF report, so every assumption behind your plan is documented in one place.

July 12, 2026

Replay your plan against every real retirement start year back to 1928, using actual market returns (not a simulation). See how many historical retirements your plan would have survived, optionally drive spending by each era's real inflation, and compare against any single start year.

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