BoldinReviews of boldin.com

Boldin provides the detail and thoroughness people need to plan confidently for retirement and navigate today’s complexities I also appreciate Boldin’s commitment to continually expanding its functionality as retirement planning needs and challenges evolve.

Im about two years into my Boldin subscription and feel very comfortable with it now. I found that linking all my accounts really gives an amazing view of my portfolio and i trust their security protocols. Over the years they have continually added new and useful features like ai in plan and doc vault. It is the best diy software I've found for asset oversight and to optimizing lifetime income and tax prep. I use a financial advisor at Schwab but like having my own personal plan for checks and balances. Worth every penny of the annual fee if you take the time to input proper and accurate information. If you want to have a better picture of your assets and not just hand that off to someone else, this is a great place to start!

While I also have a financial advisor, I also like using Boldin to help me better understand my retirement plan, make scenarios, and bring questions to my advisor.

I’ve been using Boldin for several years and it keeps getting better and more useful. I’m really happy with the ability to test so many different scenarios and I can get answers to my questions easily. Most investing or retirement planning programs I’ve used in the past, I have outgrown, this program keeps providing new and more relevant information as time passes. Sometimes I will print the spreadsheets to confirm that the totals equal the results and I’m impressed they do. This gives me a lot of confidence. Also, the addition of AI is huge and has me reviewing my plans more frequently. It’s very useful during my retirement but wish I had found it 10 or 15 years ago. I would’ve retired much earlier.

I like the insights, long-term view, tax outlook, etc. Scenarios have been very helpful too. I would like a comparison of detsiled budgetter to actuals, something like Monarch money.

Fantastic additions to the site this past year. Solid AI, which has been a huge help. The asset allocation feature is something I’ve struggled to create. Thank you for adding it. Nice to see a quality product continually adding enhancements and not be nickel and dimed for every new option.

Long term projection for assets, income, and taxes is excellent. Overall, this is an excellent tool. The comments below are a one-off type of request, not a major flow with the software. Since this is a long term projection tool, I would like the ability to simplify my accounts into Tax Deferred, Roth, Brokerage, and cash. With this simplified account structure, I would be able to more easily use Money Flows to model income over the years. This in an attempt to "manage" RMD'S in 18 years by maximizing the 12% tax bracket. Currently not interested in ROTH conversion, as I want to build an after tax buffer for future large expenses, such as vehicles and travel. So, if there is room in the 12% tax bracket, I would prioritize cash vz Roth conversion. I have an inherited IRA, which has RMD's. For this analysis, I am not looking to "pull" RMD's on top of my planned Tax Deferred withdrawal. Of course, I will actually pull RMD'S in rea life. But, these automatically calculated RMD'S change as the account value changes. So, I need to play the Money Flow "whack a mole" game to adjust each year one at a time. Today, since I have numerous Tax Deferred accounts, when I attempt to sequence them throughout the years, they run out of money mid-year. Then, I need to find this "underfunded year" and complete another Money Flow. Then, as I change various aspects of this plan, the accounts run out differently, once again. So, a mode that summarizes account types into less accounts to more easily use Money Flows to project taxes over the years would be great.

Excellent product which just keeps getting better. They are extremely good at adding new features which help you better understand and refine your retirement planning. Cost is the only downside.