Designed for
The retirement decision window
Near-term funding, Roth and RMD policy, QCDs, IRMAA, spending flexibility, downside resilience, and the annual handoff.
NestWise Professional · Private preview
Retirement decisions,
made together.
An advisor-led shared decision instrument: private, explainable, and built for the working session.
Work from the same screen while the question is still on the table. NestWise keeps one local case, one shared set of evidence, and the advisor firmly in the author’s seat while client and professional work through the decision together.
10,000-path Monte Carlo
Matched paths
Bounded decision scan
Built for this moment
Retirement is close enough that the decisions are real.
NestWise is strongest when a household is already retired or approaching retirement closely enough that January 1 balances, spending, Social Security, Medicare, taxes, and legacy intentions can be modeled as concrete planning facts.
Not intended to be
A long-range accumulation platform
Not a 10–20 year accumulation planner, FIRE calculator, career-income simulator, client-directed investing sandbox, or continuous account-aggregation service.
The premise
The plan gets decided in the room—not presented to it.
A useful planning instrument lets the client watch the reasoning, ask the next question, and see the answer change while the advisor remains the author of the plan.
NestWise keeps a $2 million home behind the Monte Carlo firewall: it counts toward legacy, but not funded success unless the plan explicitly monetizes it.
A deliberate middle ground
Not planner DIY. Not client DIY. Work together.
Preparation still matters. Client agency still matters. NestWise is designed for the moment those two kinds of knowledge meet.
Planner DIY
Prepare, then present
The professional does the analytical work before the meeting; the client mainly receives the conclusion.
Client DIY
Explore alone
The client drives the software, but must also supply the judgment, context, and interpretation.
NestWise · Shared session
One screen. Two people. One decision.
The advisor brings professional judgment. The client brings lived priorities. The instrument makes the evidence shareable in the moment.
One client profile · One complete workflow
One action runs the evidence package. Then the conversation begins.
Enter the case through a structured conversation—including recurring retirement income—review the assumptions together, and run one controlled package. NestWise then helps advisor and client discover the question, compare policy choices, and test uncertainty without changing the underlying market luck.
- 01Your Plan
- 02Plan at a Glance
- 03Strategy Lab
- 04Live What-If
- 05Details & Review
One button · five controlled stages
- 1Base Monte Carlo
- 23 × 3 Strategy Lab
- 3Market sensitivity
- 4Planning shocks
- 5Decision Leverage
Discover · Decision Leverage
Where should we look first?
A bounded matched-path scan surfaces only a small number of qualifying observations. It ranks questions, not answers, so the advisor decides what deserves attention.
Compare · Strategy Lab
What policy should we test?
Compare current policy with tested guardrail and Roth-conversion alternatives on identical market paths while keeping success, downside, tax, and spending tradeoffs visible. The selected follow-up policy remains distinct from the highest modeled-success cell; neither is an automatic recommendation.
Test · Live What-If
What if several things change?
Stack spending, Nest/Go, return, volatility, inflation, Social Security, claiming age, longevity, care, and tax-indexing assumptions in one matched-path experiment.
Same markets, different decision. Matched paths help ensure that measured differences come from the planning choice—not from a luckier set of simulated markets.
A client-ready explanation
Explain this year. Map the next three.
The Annual Funding Bridge explains the current modeled year from household need through recurring retirement income, net RMD cash, cash above reserve, taxable sales, Traditional/Roth withdrawals, taxes, and ending balances. The client report then carries that discipline forward into a three-year near-term map so advisor and client can see what is expected to happen next.
This year: explain the mechanics. Next three years: make the handoff visible.
Structured spending
Not one spending number for life.
NestWise separates when spending occurs from how protected it is. Active, Slower, and Later Years are starting rows—not a fixed limit. Advisors can insert another client-defined stage when life changes.
Life stage tells you when; Nest and Go tell you how protected.
| Life stage | Nest · Protected | Go · Flexible |
|---|---|---|
| Active Years | Core commitments | Travel and discretionary goals |
| Slower Years | Protected later-life needs | Reducible lifestyle spending |
| Later Years | Essential support and care | Remaining discretionary goals |
The record of what you decided
The meeting ends with a handoff—not a mystery.
Advisor interpretation comes first. The evidence, near-term map, assignments, and next review then become a durable record for the client and the firm.
Client Report
Advisor interpretation first, then modeled facts, separate lifestyle and combined success, the three-year cash map, and a print-safe 3 × 3 Strategy Lab matrix. The selected follow-up policy and highest modeled-success cell remain visibly distinct, followed by ownership, next steps, and next review.
Excel Analysis
A macro-free analytical workpaper carrying the detailed modeled evidence behind the client conversation.
Planner Brief
An internal firm summary of what was modeled, what remains unconfirmed, what was assigned, and what deserves follow-up.
A repeatable service rhythm
The annual decision sequence
Turn the software into a repeatable retirement-planning service: close the prior market year, project current-year income, check tax and Medicare thresholds, execute intended QCDs, decide the Roth conversion, then refresh the full plan.
- 1Close prior market year
- 2Project current-year income
- 3Check tax & Medicare
- 4Execute intended QCDs
- 5Decide Roth conversion
- 6Refresh full plan
No convenient assumptions
The model refuses to manufacture reassurance silently.
Five design choices make the planning meaning explicit before the Monte Carlo headline is allowed to speak.
The firewall
Household wealth is not automatically retirement capital.
A $2 million home can provide legacy context without making the retirement plan safer unless the household actually intends to monetize it.
Taxable basis
Basis is a state, not a static percentage.
Tracked aggregate basis is consumed by taxable sales, restored by reinvestment, and can reflect an explicit first-death step-up assumption.
Spending promise
Nest protects. Go can flex.
Client-defined life stages preserve the distinction between protected commitments and spending the household is willing to trim temporarily in difficult markets.
Source-aware tax
State and local tax is not one blanket rate.
Investment income, retirement income, and federally taxable Social Security can each carry planner-controlled inclusion shares, while recurring income streams carry their own taxable share.
Dollar basis
Nominal and purchasing-power meanings stay explicit.
Social Security can be entered in first-modeled-year dollars or benefit-start-year nominal dollars, while legacy floors can be plan-start purchasing power or future nominal dollars.
Input integrity
The field tells you what to enter. The model tells you what it means.
v4.8.3 keeps high-consequence input semantics visible without turning the working session into a wall of instructions. Optional recurring-income entry stays quiet until it is needed; the consequential math stays reviewable before analysis runs.
Guide
High-consequence inputs explain themselves.
Contextual guidance clarifies Social Security dollar basis, recurring-income timing and survivor treatment, state/local source shares, Roth/QCD ceilings, and legacy-floor meaning.
Explain
Quiet math readbacks expose the interpretation.
Display-only readbacks show Social Security normalization, real-to-nominal return, tracked taxable basis, source-aware tax maps, indexed Roth/QCD ceilings, and the modeled legacy floor.
Verify
Plan Input Review separates “check this” from “fix this.”
Structured cards reserve Needs correction for contradictory input and use Verify for plausible values worth checking, including basis, cash floors, future Social Security basis, tax shares, recurring-income dates, and Roth windows.
Recurring income without clutter: pensions, annuities, deferred compensation, rental or consulting income, and similar retirement cash flows can be modeled explicitly with start/end dates, escalation, ownership, survivor treatment, and planner-entered taxable shares.
Private by architecture · tested in the open
We would rather show how the model is controlled than ask you to trust a black box.
No portal, client login, or cloud sync is required. The .gpcase working record stays under the firm’s control, while the analysis exposes its assumptions, freshness, provenance, and limitations.
- Fixed seedsControlled reruns are reproducible rather than mysteriously different.
- Matched pathsPolicy and scenario comparisons reuse the same market shocks.
- Visible provenanceProduct, engine, schema, tax vintage, and analytical freshness stay distinct.
- Regression coverageTesting spans core retirement and tax mechanics plus guidance/math readbacks, recurring-income interaction, matched-path comparisons, report personalization, browser QA, and print-safe 3 × 3 Strategy Lab output.
Scope discipline: Monte Carlo is not a prediction. Tax law is not permanent. Internal testing does not replace external reconciliation or professional judgment.
Built for independent judgment
For small and mid-sized firms guiding households through the retirement decision window.
- Independent retirement-planning firms
- Tax-aware advisory and CPA practices
- Households already retired or approaching retirement with concrete opening-year facts
- Advisors who want the working session itself to be analytical, understandable, and worth the client’s time
The founding team
Why a good consultation shaped the product.
“We didn’t set out to build better retirement planning software. We set out to build the financial equivalent of a good consultation.”
Good Egg Analytics is a husband-and-wife founding team shaped by two disciplines in which an unexplained answer is not enough and professional judgment still matters.
One founder brings a machine-learning Ph.D. and deep experience with a national exchange and financial regulator, where an unexplained surveillance result has little value. The other brings an M.D. and twenty-five years of independent pediatric-cardiology practice leadership: take the history together, work from the same screen, explain uncertainty, and make sure everyone knows what happens next.
NestWise began as a retirement model for the founders’ own household. The need was simple: detailed history first, then the analysis, then a decision both people could understand and the professional could defend.
Private previews beginning now
Bring one anonymized client case. Let’s work through it together.
Bring one representative case and one question you would hesitate to explain with your current workflow. In a private walkthrough, put that question on the table and see whether NestWise makes the mechanics clearer, the tradeoffs more visible, and the next decision easier to defend.
Email us atinquiry@goodeggmath.com
Please do not send client-sensitive or confidential financial information by email.