About RetiFlo
Built for the questions
that keep you up at night.
Am I going to be okay? Can I retire when I planned? What happens if the market drops in year two? RetiFlo exists to answer those questions — with your actual numbers, not national averages.
§ I · The mission
Retirement clarity for people who are paying attention.
Most retirement planning tools either oversimplify the math or require a CFP to interpret the output. RetiFlo is built for the person in the middle — financially literate, doing their own research, not afraid of a spreadsheet, but wanting something better than a spreadsheet.
The typical RetiFlo user is 50–65, has a 401k and probably a home, is thinking seriously about retirement timing, and wants to understand the decisions that matter most in the next five years. They're not looking for a robo-advisor. They want to understand their own picture — and they want to be able to ask a professional a smart question when they need to.
That's what RetiFlo is built to provide.
§ I
Honest numbers over comfortable ones
RetiFlo runs the pessimistic scenario too. A 91% chance of success is meaningful because you also see the 9% — what it looks like, when it happens, and what you can do about it. Comfortable projections that turn out to be wrong are worse than honest ones that prompt action.
§ II
Knowledge first, advisor second
We believe people make better decisions when they understand their situation first. RetiFlo gives you the tools to build that understanding independently. When you do connect with an advisor, you arrive as a partner in the conversation — not a dependent.
§ III
The steady hand
Retirement is a long river with bends you can't always see. Markets move. Health changes. Plans evolve. RetiFlo is designed for the journey — not a one-time calculation. And when the current shifts, having a clear picture and a trusted guide makes all the difference.
§ II · The product
What we're building
RetiFlo is a retirement planning and analytics platform. Users enter their full financial picture — assets, income, expenses, debts, real estate, Social Security, healthcare — and the platform runs real-time calculations across more than 20 retirement wellness metrics.
The core engine includes cash flow projections, Monte Carlo simulations, tax analysis, Roth conversion opportunity detection, RMD modeling, survivor income analysis, long-term care risk exposure, and more. Everything is calculated from your actual numbers, not general assumptions.
A guiding principle through the design has been visibility. Monthly-level detail on income, expenses, and account balances — not just annual summaries. A What-If engine that lets you actually drive toward decisions: what combination of actions maximizes your portfolio? What happens if you take a reverse mortgage in year eight? How much does adjusting your spending pattern to match a more active early retirement change your chances?
The platform incorporates strategies that most planning tools either ignore or bury — reverse mortgages, RMD management, spending patterns that shift with lifestyle (the smile curve, declining-spend, custom trajectories), and excess cash sweeping on a monthly cycle into higher-yield accounts. These aren't edge cases. They're the decisions that move the numbers.
All of it is rendered two ways: as a narrative that any reader can follow, and as condensed charts that — once you're familiar with them — give you an immediate read on what's healthy and what deserves attention. The goal is to make complex information feel legible, not overwhelming.
The advisor layer connects individuals with financial professionals who can review a plan, run what-if scenarios, and provide guidance — without starting from a blank intake form.
And in the end, it's your data. Export it, analyze it elsewhere, share it with an advisor, or do nothing with it at all. If you ever want to leave, your account and everything in it can be permanently removed in a few clicks. No retention games. No friction on the way out.
See what your plan actually looks like.
Free to start. No card. Your first clear picture of retirement — built from your own numbers.
Build your free plan