July 24, 2026
🎉 New: Firm Branding
- 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.
What's New
New features, improvements, and fixes — newest first.
July 24, 2026
🔧 Improvements
- 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 — see what your heirs actually keep
- 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
🎉 New: Custom glide paths (bond tents)
- 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
🔧 Improvements
- 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
🎉 New: Historical Backtest
- 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.
July 10, 2026
🎉 New: Budgeting & Expenses module (Premium)
- Upload real statements — drop in PDFs, CSVs, or photos and we read the transactions automatically. No manual entry.
- Auto-categorized spending — every transaction is sorted into Fixed, Essential, and Discretionary buckets you control, with an Ignore bin for transfers and reimbursements.
- Track against budget — a dashboard shows each category's spend versus budget and whether you're trending over or under, month by month.
- Feeds your plan — build an annual living-expenses budget from your actual spending and pull it straight into the planning wizard, so your projection is grounded in reality.
July 6, 2026
🔧 Improvements
- Upload Expenses page now shows each statement's date range and supports paging through longer lists.
- Expenses Dashboard opens on the current year by default and reads a bit cleaner.
- Your AI assistant now knows about the Budgeting & Expenses module and can point you to it.
July 6, 2026
✨ Navigation refresh - We tidied up the top menu so it's easier to move around your account.
- "My Plans" is now "Financial Planner" — with a clear page title and the familiar My Plans / Shared with Me tabs.
- New Expenses dropdown for the Budgeting module, plus small icons across the Expenses and Admin menus.
- The light/dark mode toggle moved next to the "What's New" button for quicker access.
July 3, 2026
Life Insurance Gap Analysis: now shows two coverage measures, not one
- Your Life Insurance Gap Analysis just got more useful. Instead of a single coverage recommendation, you'll now see two: Solvency floor — the minimum coverage so your survivor's savings never run out. Living-standard coverage — the amount needed so your survivor can keep living the life you planned together, not just avoid running out of money.