Demo· HTP-3
Client Tool Suite · Confidential
Welcome

Four focused tools.
Better client conversations.

Each one earns its place by replacing a vague question or a static spreadsheet with something a client can actually finish in a sitting.

Pick whichever fits the conversation. The math behind each tool comes from current planning research — Morningstar 2024 sustainable withdrawal rates, the SSA’s 2024 PIA bend points, and standard fiduciary onboarding practice. Nothing leaves the browser unless the client chooses to send it.

No third-party trackers · In-memory only · Encrypted submission pathway available

Tools

4 client-facing · ~5–15 minutes each
Client-facing Calculator

Retirement Readiness

~5 minutes

A live projection of whether the client’s current trajectory funds the retirement they actually want, with three return scenarios on the same chart.

Replaces the “am I going to be okay?” question with a chart, a number, and a specific gap to close.

You’ll see
  • Year-by-year projected savings with a target line
  • Optimistic / expected / pessimistic fan
  • Specific gap-to-close numbers (savings, age, or spend)
Client-facing 7 steps

Client Onboarding Intake

~12 minutes

A 7-step new-client intake covering household, goals, assets, liabilities, insurance, risk tolerance, and an in-browser e-signature.

Replaces the PDF-by-email back-and-forth. Clients arrive at their first meeting already covered.

You’ll see
  • Drag-to-rank goal prioritization
  • Validated 5-question risk-tolerance score
  • Canvas signature pad & consent capture
Client-facing Scoring

Financial Health Scorecard

~6 minutes

A weighted composite across eight dimensions — emergency fund, debt, retirement, insurance, estate, tax, diversification, cash flow — with a letter grade and ranked action items.

Turns “how am I doing overall?” into a single grade, eight diagnostic bars, and a top-three to-do list.

You’ll see
  • Overall grade gauge (A–F)
  • 8 category bars and a strength radar
  • Three highest-impact next steps
Client-facing SSA math

Social Security Timing

~5 minutes

Real SSA math — 2024 PIA bend points, early-claim reductions, delayed-credit accruals, spousal and survivor coordination — with a break-even chart.

Replaces “take it at 62” gut calls with cumulative-benefit lines and a labeled crossover age.

You’ll see
  • Monthly benefit at 62, FRA, and 70
  • Break-even crossover ages, labeled on the chart
  • Married-couple coordination strategies