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Everything you need to
master your 401(k)

From AI-powered analysis to multi-philosophy scoring. Every tool designed to turn retirement confusion into clarity.

Core Feature

AI-Powered Chat Advisor

Ask any question about your 401(k) and get clear, data-backed answers. The AI understands your uploaded funds, your preferences, and the nuances of each investment philosophy, so the answers are always relevant to your specific situation.

  • Natural language Q&A about your funds
  • Context-aware responses using your actual fund data
  • Plain English explanations, no financial jargon
  • Conversation history saved for reference
Data Engine

PDF Fund Sheet Analysis

Drop your fund fact sheets and watch them transform into structured, comparable data. Our AI reads every metric: expense ratios, returns, risk measures, holdings. All of it organized for instant analysis.

  • Automatic data extraction from any fund PDF
  • Expense ratios, returns, holdings parsed instantly
  • Structured data ready for scoring and comparison
  • Upload as many funds as you need
Scoring Engine

Multi-Philosophy Fund Scoring

Every fund is evaluated through five distinct investment philosophies. Each has different priorities: cost efficiency, diversification, growth potential, capital preservation, or lifecycle alignment. You see how your funds stack up from every angle.

  • 5 distinct scoring lenses on every fund
  • Weighted criteria unique to each philosophy
  • Clear score breakdowns with explanations
  • See exactly why a fund scores high or low
BogleheadsMorningstarAggressive GrowthConservativeTarget-Date
Decision Intelligence

Consensus Scoring

When all five philosophies agree a fund is strong, you can invest with confidence. When they disagree, you know to dig deeper. Consensus scoring surfaces the funds with the broadest expert-level support and flags the ones that divide opinion.

  • High / Mixed / Low consensus indicators
  • Spread analysis across all philosophies
  • Tiebreaker explanations for close calls
  • Pros and cons from each perspective
Personalization

Tailored to Your Situation

Your age, retirement timeline, risk tolerance, account balance, and tax treatment all factor into the recommendations. Two people with different situations looking at the same fund will get different guidance, because they should.

  • Retirement year and current age inputs
  • Risk tolerance calibration
  • Account balance and vesting status
  • Tax treatment considerations
Comparison

Side-by-Side Fund Comparison

Line up any two or more funds and compare them across every metric and philosophy score in one clean view. No more flipping between fact sheets. See the winner at a glance.

  • Compare unlimited funds simultaneously
  • Every score and metric side by side
  • Visual ranking with score bars
  • Exportable comparison views

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