For just a little over 100 bucks for the year, its worth using the tool. With a good constructed spreadsheet (your image is close to what I built) takes into account IRMMA limits, Fill the tax bracket for Roth conversions, and social security income. Always good to get a second opinion
You make a compelling sales pitch. I'd contact the Boldin folks and see about getting a subsizided subscription for your effort. Be careful in 2026 re the subsidy cliff for the subscription reintroduced by the OBBBA tho. ;-) Seriously, tho, I've long considered having a financial advisor do a once-over of my plan and numbers. Trust (myself), but verify, ya know. Do you think Boldin replicates anything that a financial advisor might do in such an instance?
I definitely think Boldin has some built in best practices that would shortcut what an advisor would do. It's funny, I was just writing my next article about whether we'd use an advisor again, and under what circumstances! Get out of my head ;) - I think a FA would use a similar tool like Right Capital (which is expensive and generally only for advisors) and then they'd maybe give some commentary / actionable recommendations based off that.
For just a little over 100 bucks for the year, its worth using the tool. With a good constructed spreadsheet (your image is close to what I built) takes into account IRMMA limits, Fill the tax bracket for Roth conversions, and social security income. Always good to get a second opinion
Eye opening!
You make a compelling sales pitch. I'd contact the Boldin folks and see about getting a subsizided subscription for your effort. Be careful in 2026 re the subsidy cliff for the subscription reintroduced by the OBBBA tho. ;-) Seriously, tho, I've long considered having a financial advisor do a once-over of my plan and numbers. Trust (myself), but verify, ya know. Do you think Boldin replicates anything that a financial advisor might do in such an instance?
I definitely think Boldin has some built in best practices that would shortcut what an advisor would do. It's funny, I was just writing my next article about whether we'd use an advisor again, and under what circumstances! Get out of my head ;) - I think a FA would use a similar tool like Right Capital (which is expensive and generally only for advisors) and then they'd maybe give some commentary / actionable recommendations based off that.