Boldin Arvostelua 

Boldin (formerly New Retirement) started quite a few years ago to help Baby Boomers get their financial house in order as they prepared for retirement. In doing so, they took a very comprehensive approach which has matured to the current software program they made available for free, annual license with loads of support and training as well as access to a variety of professionals. Have used the New Retirement and Boldin packages for some time and anticipate more new features in the future as the benefits of AI continue. Several other programs to consider that are in the space but if your needs are general, focused on ensuring you're taking care of the assets needed to take care of your retirement plans you probably won't do much better than to look at Boldin.

I tried the 14 day free review and simply cannot recommend it. I could not apply real world finances unless I purchased all the upgrades. While I did not do this, I suspect from their presets and drop-down menus how limited I would be in entering my real world data. For example, I receive profit sharing 1x a year but the system only accepts 401k contributions in monthly installments. This means the software is crediting me with 11 months of earnings I will never gain each year. Quite a misstatement of compounded interest. So I suppose it's no wonder my chance of success is 99%, and I'll die with over 12mm in the bank... I will continue shopping.

This retirement planning site has a very complicated layout. Worse, it auto-fills numbers, for example, social security info, and the numbers are wildly inaccurate, but because they're auto-filled, there's no way to correct them. My plan's monthly income was off by $600 a month, which really adds up over decades in retirement, ie, makes the numbers utterly useless. It makes nonsensical assumptions on things like when you'll pay off your mortgage (sure, I'd love to pay off my brand-new 30-year mortgage in seven years!), when you'll take Medicare (some people don't immediately take Medicare at 65, they work and stay on their employer's plan, how can you not know that?), etc. However, they generously offer a service to help you understand how the page works -- IF you pay $250 for it, and it's not even for a full hour, and not with a CFP. They do offer a free meeting, one to discuss programs -- but then you find out it's a group sales pitch for their $2800 advice session, not an individual meeting. It's been one disappointment after another.