MyFidu™ Planner is the complete financial operating system — analyzing every variable in your financial life together to map the single most optimal path forward. Retirement timing, Social Security, taxes, real estate, income planning, growth strategies — all calculated as one connected model. Not a generic plan. Your plan.
Traditional financial planning often relies on assumptions, projections, and static reports.
MyFidu™ Planner is different.
It evaluates real decisions across multiple categories of a person’s financial life, including income, taxes, investments, debt, insurance, real estate, Social Security, retirement timing, and legacy planning.
The goal is not simply to create a plan.
The goal is to identify the optimal path forward.
Every major decision can be tested before it is implemented.
You are concerned about three things: Is it sufficient? Is it sustainable? Are your decisions appropriate? The challenge is not finding opinions — it is finding a system that connects every variable and calculates the most optimal path.
One person handles your investments. Another handles insurance. Nobody connects the dots between Social Security timing, tax brackets, distribution order, and how long your money actually lasts. Every decision affects every other decision — but they are rarely calculated that way.
True holistic planning — the kind that integrates 50+ variables across your entire financial life — has historically been reserved for high-net-worth clients. Most people simply cannot access this level of depth, regardless of how good their advisor is.
Life does not wait for your next quarterly review. You need the ability to run scenarios, test decisions, and see how changes ripple across your entire plan — on your schedule, in real time, whenever a question arises.
A clear, structured process that moves you from uncertainty to clarity — and from clarity to optimized action.
In minutes, the platform builds your complete financial picture — retirement readiness score, projected shortfall, budget analysis, and the gap between where you are and where you need to be.
The A.I. engine runs precision calculations across every category — Social Security timing, distribution sequencing, debt strategy, insurance, real estate, Destination Trax™ modeling — all calculated together because every decision affects every other decision.
When your plan reaches a point where a licensed professional is required — a specific product, a complex strategy, a regulatory threshold — the platform automatically alerts your advisor. You are never just a software user.
Most planning is done once and forgotten. MyFidu™ uses a proprietary methodology that tests, analyzes, optimizes, and repeats — across every category of your financial life — until the math proves the optimal path.
Run your current plan against multiple scenarios in the same market environment
Compare iteration outcomes to identify which structural changes create the most value
Lock in the optimal path for each category before layering the next
Apply across 14+ planning categories with 20+ iterations per category
"All plans are stress-tested using the exact same stock market environment. Value comes from structural efficiency, tax optimization, and strategic sequencing — not from promising higher market returns."
Here is what category-iterative planning identified for a real client — starting from approximately $668,000 in assets.
Case study reflects actual planning output for a real client. Individual results vary based on starting assets, timeline, and financial situation. Past planning results are not indicative of future outcomes.
MyFidu™ Planner does not just optimize one piece. It builds an integrated system where every part reinforces the others.
GIBs, Social Security, pensions, distributions
DX, UGRU Stocks, Roth conversions, compounding
Bracket management, Roth timing, exclusion ratios
Principal protection, insurance, sequence risk
Emergency access, withdrawal order, flexibility
Most tools look at one thing. Most planning approaches address a few things. MyFidu™ calculates how every category affects every other category — because in real life, they do.
Calculates the optimal year and month to claim based on your full financial picture — not just a generic "wait until 70" rule.
The smartest order to draw down your accounts in retirement to minimize taxes and maximize how long your money lasts.
Growth + protection strategy modeling integrated directly into your overall plan — showing exactly how DX fits your timeline.
Identifies the highest-paying guaranteed income benefit contract and the optimal year to activate it relative to your unique situation.
Mortgage strategy, debt structuring, life insurance needs, and real estate decisions — all factored into the holistic model.
Identifies overlapping products, misallocated positions, and opportunities to improve efficiency — then shows you what those improvements become when compounded over time.
You can ask any general A.I. tool about retirement planning. It will give you a thoughtful, well-written answer. It may even sound confident. But it will not be calculating anything.
MyFidu™ is different. Behind every answer is a purpose-built computational engine trained on 70+ hours of proprietary financial education, 3 published books, and 100+ structured presentations — all created by a top-1% former fiduciary over 30+ years of real-world client application. The A.I. does not just discuss — it calculates, cross-references, and optimizes using precision engines no general A.I. has access to.
This is not a chatbot with a financial skin. It is a financial brain trained on decades of proprietary methodology, real client outcomes, and structured education — now available to everyone through an intelligent interface. And when you need it, the full 70+ hour education library is available on request.
Whether you work with an advisor or manage things yourself, MyFidu™ Planner adds a layer of depth and always-on intelligence that fills the gaps between meetings, tools, and conversations.
| Capability | MyFidu™ Planner | Typical Planning Experience | DIY / Free Tools | General A.I. (ChatGPT, etc.) |
|---|---|---|---|---|
| Holistic Planning | ✓ All variables together | Depends on scope of engagement | ✗ One thing at a time | ✗ Discusses, doesn't calculate |
| Social Security Optimization | ✓ Precision calculator | Sometimes included | ✗ Generic estimate | ✗ General guidance only |
| Tax-Efficient Distribution | ✓ Sequencing engine | Varies widely | ✗ Not available | ✗ Cannot model your accounts |
| Destination Trax™ Modeling | ✓ Integrated | Proprietary — only here | ✗ Not available | ✗ Not available |
| UGRU Stocks™ Alerts | ✓ Included | Proprietary — only here | ✗ Not available | ✗ Not available |
| Licensed Advisor Access | ✓ Built in, automatic | ✓ Your existing relationship | ✗ You're on your own | ✗ No |
| Always-On Access | ✓ 24/7 scenario testing | Scheduled meetings | ✓ Available anytime | ✓ Available anytime |
| Works With Your Advisor | ✓ Enhances any relationship | — | ✗ No integration | ✗ No integration |
| Education Library (70+ Hours) | ✓ Full Access + A.I. delivery | ✗ Not included | ✗ None | ✗ Trained on public data only |
One flat price. Full access. The most comprehensive retirement planning platform available — designed to work alongside whatever advisory relationship you choose.
Already have an advisor? MyFidu™ makes them better. You arrive at meetings with deeper questions, clearer scenarios, and a full picture of how every decision connects. Don’t have one yet? MyFidu™ gives you institutional-grade planning intelligence at a flat $97/month — and connects you with a licensed professional exactly when you need one.
The methodology behind MyFidu™ Planner was developed over 30 years of real-world financial practice — from top-quintile Merrill Lynch advisor to founding a Registered Investment Advisory firm to building the proprietary planning engine that now powers every calculation on this platform.
This is not theory. It is the same process that served top-1% advisory clients — now made accessible to everyone.
Stop making decisions in isolation. Start seeing how everything connects — and what the most optimal path actually looks like. Whether you work with an advisor or go it alone, the depth starts here.
Get Full Access — $97/moCancel anytime. No contracts. Flat fee forever.