All the financial institutions have a version of this software which the financial advisors and planners use.

There is a huge potential to make it easily accessible first and then bring in the FAs next.

Good luck.

Thank you for the encouragement—it really means a lot! You seem like an expert in the field, so we’d love any and all feedback you’re willing to share.

Our initial focus is on the general population because we see a big opportunity to democratize basic financial planning. We’re passionate about this—and honestly, a bit dismayed—by how many people unintentionally add years to their working lives simply by not taking the most effective, “core” actions.

One thing we’ve been debating is whether a single tool can effectively serve both financial advisors and the general public. Advisor tools tend to be incredibly customizable. However, the feedback has been that it often makes them 'overwhelming' and hard to learn for the general population. Our goal has been to keep things simple and somewhat linear, so people can actually use the insights to take action.

We’ve also noticed that most traditional tools are geared toward “classic” retirement planning—working until a set age (often 65) and then figuring out how to live off whatever you’ve accumulated. Financial independence flips that on its head. You start by defining the lifestyle and expenses you want in retirement, then work backward to figure out how much you need to reach that goal—and how soon you can get there.