Boldin Avaliações 

The best platform to project your financial life. Easy to use. The Bolding AI is a fantastic help, gives great advice and has a direct link to your portfolio

Bolding replaced my spreadsheets that I had fine-tuned over the course of several years and does so much more that I could ever hope to do by myself.
The community and free training sessions are fantastic (thanks, coach Nancy!) and the AI assistant is getting better all the time.
The most important thing is that I now have much improved confidence about my retirement journey.

Boldin is a good value. Good data and the best package for creating clear output to XL. Lets me create specific reports. However, many shortfalls cause me to use other software packages. Ready Aim Retire’s new version is very powerful and handles annuities elegantly-a major weakness of Boldin. Boldin also doesn’t allow assets to be convertible to cash. For example, I have a gold metal asset that I plan to sell for cash to fund Roth conversions. No can do in Boldin. I would have to call the gold an investment account. The lack of HELOC support is inexcusable. FYI I have subscriptions to Boldin, RAR and Income Lab

The constant improvement through new releases brings more capabilities resulting in new insights on your estate. The AI feature combined with detail queries really offers knowledge on how your strategy and processes communicate to bring vale.

Nothing like it. I've been a user for years, back when it was called New Retirement. They keep adding extremely valuable features, listening to their users and what would improve their experience and help them prepare for, or navigate their financial lives in retirement. It's perfect for those who want to DIY building their financial future (which most can do, with just a little bit of help, and I highly encourage it!).

Best tool I have found for easy comprehensive retirement planning. Very helpful in seeing different ROTH conversion timing and choices when one is retired. The data interaction of Net worth, Taxes, IRMAA, RMD, and tax on a surviving spouse is super useful when making decisions. Also tools that show success rates, monthly spending, Monte Carlo simulations, and detailed budgeting all really help with developing a sound plan. I would recommend an update that would allow one to more easily compare monthly, quarterly, or annual ROTH conversions. The timing options can help one to prevent an IRS underpayment penalty that might incur if say only one conversion was done at the end of the year. Also allow the conversion timing to vary so that you can pick the first of the month, quarter, or year vs the end. This can give a more comprehensive picture of possible ROTH conversion results. I know you can work this up fairly well with the AI feature, but it seems to take too much time unless it is operator error on my part.

Boldin respects their loyal customers by allowing current customers to keep the rate they pay when others give discounts to new customers. They continually work on improving their platform. Boldin is a one stop shop for retirement; the plan, education and seminars, financial advisors available. Best thing I ever did was becoming a Boldin user!!

Boldin makes my financial planning easy. It takes a little time to explore it deeply. However. it really is user-friendly for the basic financial plan and most of us need to start off with. I really appreciate it.

Ease of use, very helpful AI tool embedded to answer questions an help with modelling scenarios. Accurate up to date existing account data and info.

Boldin is always adding upgrades the platform to include new features. There's lots of tweaks that you can do to simulate future outcomes to your retirement.

This has been a very helpful tool and just getting ready for a consult to review

You gave me the gift of being able to retire with confidence, without having to trust a financial adviser, where I can model and tweak better than they can.

And your AI integration is F^cking Amazing :-)

Thank You

Much more comprehensive than the spreadsheets I was using previously and much easier to maintain. The software has all and more features that I didn't know I needed. The results, coaching and CFP options gave me more confidence that I was financially prepared to retire.

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.