Boldin Opiniões 

I love everything about Boldin. It gives me confidence in my plan. It allow me to test new ideas and create scenarios as life changes.
The team at Boldin responds quickly to questions and suggestion. They are amazing teachers and creators.
The AI is fun to work with, programmed with compassion and excellent thought provoking suggestions.

Excellent Retirement Planning Software, but CFP Services Need More Flexibility

I use Boldin’s retirement planning software and was interested in taking advantage of its CFP services for a specific, important financial planning need: developing a tax-efficient Roth conversion strategy.

I have a clearly defined objective and wanted to discuss my situation with a CFP, determine the appropriate scope of work, and pay a reasonable fee for the professional advice I actually need.

Instead, I learned during the initial discovery session that Boldin’s CFP services are restricted to predefined, bundled engagements costing $3,250. There appears to be no option to arrange a more focused consultation tailored to a customer’s specific needs.

My frustration is that I couldn’t even get to the point of discussing my particular situation with a CFP to determine whether a limited engagement would be appropriate. The process seems designed around selling a standardized package rather than first understanding the customer’s needs and exploring potential solutions.

I’m not looking for a free consultation or expecting professional financial advice without paying for it. I’m willing to pay for qualified expertise. I simply want the opportunity to define the scope of the engagement with a CFP and pay for the services that are relevant to my situation.

Roth conversions and tax efficiency can have significant long-term financial implications. A customer who already uses Boldin’s software may need professional guidance on a specific issue rather than a comprehensive financial planning package.

I understand the benefits of standardized service offerings, but I believe Boldin is missing an opportunity by not offering more flexible, à la carte CFP consultations.

My recommendation to Boldin: Give customers the opportunity to discuss their specific needs with a CFP and establish an appropriate scope and fee, rather than requiring everyone to fit into a predetermined package.

I like the concept of combining retirement planning software with access to qualified financial professionals. However, the inflexibility of the current service offerings is disappointing and makes it difficult to recommend the CFP services to someone whose needs fall outside the standard packages.

Great experience. Like the addition of AI chat. But sometimes I have to correct AI like when it tells me my RMDs start at 73 instead of the correct age of 75

Easy to use. Very informational. AI is also good.

Comprehensive planning tool with solid user interface

The interface is well designed for DYI retirement planning and a monitoring. Once you put in all your financial information, you know right where stand. Boldin helps you modify your planning to help you reach your goals. When to retire, how much to save, when to file for benefits, how much to spend. All of the variables can be adjusted and you can see the results of those changes immediately. The AI assistant is fantastic. Be very precise and detailed with your questions to get the best results. If you can be flexible and honest with yourself, Boldin will be the best friend you have in retirement.

I love that I can use my own data and run different scenarios to determine when we'll be able to retire.

The various scenarios and AI help me do comparisons quickly.

I wish a few data elements would be able to be changed by scenario vs going across all scenarios

I am able to run scenarios under different criteria such as when to take Social Security, moving to a zero income tax state and also potential cuts in Social Security in 2032. If I did the outside of Boldin, it would take me much longer. I can have these scenarios pre-run and then consult my hourly CFP.

Continuing to improve user experience with graphs, AI and What If scenarios.

They are a good company that are helping many people manage their own retirement. They lead the industry in innovation and development of their product.

Overall it provides retirement estimates, albeit after a very complicated and difficult setup. It does not appear to use npv which will underestimate the time value of money.

It's a very powerful tool that helps me manage my future.

The software came recommended by more than one expert on YouTube. That says a lot. And I have to agree, they did deliver all that was advertised and more. Very happy with the multiple scenarios and the help AI gives.

Boldin continues to improve its offerings to provide a more holistic approach to the financial health of its members.

Great software from a retired CFP. Thanks for all you do for the DIY folks as well as those using your planning service.

I appreciate Boldin's comprehensive approach, including all the significant factors and variable of a retirement plan. The plan provides a view of whole picture, taxes, income, social security etc. The explorer options and multiple scenario functions allow the user to experiment and test the plan(s).

Straightforward process to enter data, flexible scenario generation, clear visuals to explain results and powerful AI feature to dig deeper and ask “what if”.

Boldin has been extremely helpful in creating our retirement financial plan. The plan has given us a high degree of confidence as we are now 6 months into retirement and starting to live our dreams. For us the ROTH conversions tool along with the IRMA. RMD and tax estimates have been especially helpful in establishing our longer term plan and save on taxes.

The app is excellent! The videos and articles are very well done and helpful. When I have engaged with people for consultation they have been good, not exceptional.

I love being able to run scenerio's on my own without having to go back and ask my financial planner.