Boldin Opiniões 

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.

Have been using Boldin for 3 years. This product really helps manage our retirement plan. Boldin reinforced our manual plan and has given us the confidence to spend more in retirement! It is very useful and easy to use. Having it continually updated with more features is great!
We gave all four of our adult children subscriptions and they have been able to better predict their future success.

Really great and easy to use platform that let's you model complex investing, finance, retirement structures quickly but very thoroughly-- Until recently this level of modeling wasnt even available with a planner's proprietary tools--

I used this to pre-plan my retirement and evaluate “What If” scenarios I was offered to extend part time prior to full retirement. It has also been invaluable in providing directional insights from a conversion and tax perspective in these early years.

Very disappointed that the advisor was a no show for our appointment…we were told we would have to pay 5k for and in-depth report which was payable after the initial meeting and report follow up meeting by the complimentary concierge advisor- she specifically book the financial advisor to meet our needs. The call was scheduled a week later. The choose advisor was a no show after 10 minutes on the call ….later received and email from the no show advisor telling us we had to pay 3200 in advance…so now what? Love the app but extremely disappointed in the execution….I’ve never heard of paying someone 3200 in advance before the initial meeting.

Easy to use. Constantly upgrading. It gives us great confidence in our plan. We’ve been using it for about two years. Pair this with YT Rob Berger and Joe Kuhn and you are set.

Great software for forecasting and planning.

Like the Boldin approach of listening Clint’s suggestion and constantly improving the experience!!

Great product, easy to use and understand as everything is well documented. The connections to my credit union and brokerage don't work properly and do not stay synced, no matter what I do.

I have used several models like the one used at Boldin and haven’t found one yet as comprehensive and user friendly as Boldin. Even e-money, which is used at Fidelity isn’t near as easy to use and manipulate. I especially like using the comparative functions being able to compare multiple scenarios.

Great overall experience. User friendly tool, super support and nice people to work with. Highly recommended!

Been retired for 4 years. Was making my own spread sheets and using financial planners to analyze my plan. Even though most of my data was spot on, the mods were time consuming and excel can only do so much. Once I started using Boldin everything was in my hands to do quick analysis and projections. Helped me see the whole picture. Of course, you still have to have good data and do some calcs on your own but Boldin carries the brunt of the work and I still use it on a regular basis to run scenarios and update my plan (ie, new roof in our Boldin model moved up to 2025 and new car in 2028 moved to 2030).

Would like to see a history-match feature added to Boldin. Something similar to the results of what FireCalc shows. It might help clarify the CoS value a little more.

Also, the AI feature is really helpful. Would like to see that expanded to a full page width and display tables and graphs while doing isolated what-if scenarios.

Excellent evolving tool to help bring a lot of different elements of preparing for retirement together in one place. They continue to beta test and adopt features that help you find blind spots and make plans.

I give Boldin 4 stars out of five. The primary reason is that once I have all my statistics in the Boldin Software, I can somewhat analyze the numbers, but without hiring a consultant with your company, it is very difficult to understand all of the permutations, including Monte Carlo predictions. Also, once I have the numbers entered into the software, I’m not sure what to do with them other than look at the success or failures of future speculations. Some of these problems are not specifically for Boldin, but trying to predict markets and the financial status of the future. I suppose that would be a problem for any software.