Good EggAnalytics

Private decision tools for advisor-led retirement work

Answer a client’s hardest retirement question in one meeting.

Good Egg Plan lays out the whole retirement picture, Good Egg Focus shows what actually moves it, and Good Egg Blend tests portfolio ideas without placing a trade. Everything runs on the planner’s laptop, and the planner stays the author.

See a Focus Day
  • Runs locally in the browser
  • No cloud or client portal
  • Portable case files
A Focus Day invitation from planner Mike to Paul and Diane Mercer, and Diane's reply: can we afford to travel more, while we're both healthy?
94.5% simulated chance of meeting both goals, with more travel Fictional household · illustration

A Focus Day with Paul & Diane Mercer

One question. One morning. Two answers they’ll remember.

Diane asked: “Can we afford to travel more, while we’re both healthy?” Their planner, Mike, built the morning around that one question. The household and firm are fictional; the tools and the numbers are real.

Answer 1 · tested in Good Egg Plan

Paul’s patience pays for Diane’s travel.

Simulated chance of meeting both goals · bars drawn from 85% to 100%

Waiting until 70 for Social Security more than pays for 25% more travel.

Answer 2 · tested in Good Egg Blend

No trade is the smart trade.

94.5%
The plan already meets both goals, so there is little to gain from chasing return.
83.1%
What much rougher markets would do: the real threat is volatility, not too little ambition.
35.0 → 39.5
Good Egg Blend’s risk temperature with the chip stocks a golf partner recommended: more risk, for nothing the plan needs.

This plan needs steadiness, not more return.

What Good Egg Focus flagged first

All three big movers were risks, not choices.

  • Late-life care
  • Social Security benefits
  • Market volatility

So the conversation was about preparing for what could go wrong, not about cutting back. And it showed which ideas were worth testing in full.

Three tools, one conversation

Each tool does one job well.

They share one discipline: keep the household’s real structure, show the evidence, and leave the judgment to the professional. No black-box answers.

Good Egg Plan What-If result: more flexible travel spending plus Paul claiming Social Security at 70 moves overall success from 94.0% to 94.5%.

Good Egg Plan · retirement planning software

Every number, to the dollar.

One shared starting point for planner and client: spending, Social Security, taxes, Medicare, pensions, timing and legacy, all with their real shape. Any “what if?” is tested on the same simulated markets, so the difference comes from the decision, not from luck.

  • Live what-ifs during the meeting
  • Client-ready report at the end
  • Portable case files the firm keeps

Good Egg Focus · works inside Good Egg Plan

Find what matters before testing everything.

Good Egg Focus moves every assumption in the plan and sorts them into four groups, from Start here to Low impact, so the meeting spends its time on the few that matter. Every promising idea is then checked in the full plan before anyone relies on it.

  • Impact groups, not false precision
  • Close calls are flagged, not hidden
  • Verified results are the evidence
Good Egg Blend comparing the current portfolio with a what-if mix: return proxy up, cash yield down, and risk temperature rising from 35.0 to 39.5.

Good Egg Blend · portfolio trade-offs

Ideas tested, no trades placed.

A client hears a hot tip. Good Egg Blend shows what the change would do to return, income and risk side by side, so the conversation moves from “should we?” to “what would we give up?”. It informs the decision; it never makes the trade.

  • Before and after, in one view
  • Concentration, income and risk together
  • Makes “no change” an evidence-based answer

Private by design

Everything stays on the planner’s laptop.

The tools run from files in a modern desktop browser. There is nothing for Good Egg to host, and nothing for us to collect.

  • No internet neededCore planning work runs offline.
  • No cloud, no serversNothing to host, nothing to breach.
  • No accounts, no trackingNo sign-ups, cookies or telemetry in the tools.
  • Case files stay with the firmPlain files, in a folder the firm controls.

Vignettes · built for real households

Everyday questions, modeled the way clients live them.

Not exotic edge cases. The common questions advisors hear every week, entered with their real timing and structure instead of flattened into one number.

Spending

“Travel more while we’re healthy, but cut back if markets are ugly.”

Protected spending stays protected; flexible spending can bend for a year after a bad market.

Housing

“We may downsize in five years.”

Today’s home stays as context; sale proceeds enter the plan only in the year the household intends to sell.

Uncertain money

“I may inherit. Should we count it?”

Uncertain money stays out of the base plan, and is compared as a separate case.

Medicare bridge

“I’m retiring before Medicare.”

Life stages let health costs change when coverage changes, instead of one spending number for life.

Pension

“My pension starts later, has a COLA, and half continues to my spouse.”

Timing, escalation and survivor continuation are entered explicitly.

Taxes

“Should we convert to Roth before RMDs start?”

Conversion windows and income ceilings are tested on the same markets, with Medicare surcharges in view.

Private walkthroughs

Bring one retirement case and one hard question.

We are working with a small number of planners who want to pressure-test the tools on representative cases. No client information is needed to start.

inquiry@goodeggmath.com

Please don’t send client-sensitive, account-level, tax-return, Social Security or other confidential information by email.

What every meeting ends with

For the clientA decision report: what was tested, what it means, and what happens next.
For the plannerA working record: the case file, the what-ifs and the follow-up questions.
For the teamClear ownership: a meeting isn’t finished until someone owns the next step.

Fictional demonstration

A Focus Day with Paul & Diane Mercer

1 · The invitation

A morning built around one question.

Once a year, Mike invites Paul and Diane to a Focus Day: two hours on the year ahead, then lunch. He asks them to bring the one retirement question that keeps them up at night.

“Can we afford to travel more, while we’re both healthy?” Diane

2 · The plan

Start from one shared picture.

Good Egg Plan lays out their whole retirement picture: savings, spending, Social Security, taxes and Medicare. Then Mike tests Diane’s question live, on the same simulated markets, so the difference comes from the decision, not from luck.

“So we can go to Italy.” Diane

3 · What moves the plan

Spend the morning on what matters.

Good Egg Focus sorts everything that could still change into four groups. For the Mercers, the three biggest movers were all risks rather than choices: late-life care, Social Security benefits and market volatility. That set the agenda: prepare, don’t cut back.

4 · The first answer

Paul’s patience pays for Diane’s travel.

  • Today’s plan: 94.0%
  • More travel alone: 90.4%
  • Paul waits until 70 alone: 96.7%
  • Both together: 94.5%, a little better than today

Simulated chance of meeting both goals, fictional household.

5 · The second answer

No trade is the smart trade.

Paul’s golf partner says they should own chip stocks. Good Egg Blend shows the trade would push risk temperature from 35.0 to 39.5, while the plan already meets both goals at 94.5%. Its real threat is rough markets, not too little return.

“Your plan doesn’t need that extra risk. So today’s answer is: no change.” Mike

6 · The close

Not a perfect prediction. Decisions they understand.

Every decision is written down with an owner. The case file stays on Mike’s laptop. Then lunch, on the firm.

“And where does all our information go?” “Nowhere. It never leaves this room.” Diane and Mike
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