A SaaS tool that ingests user retirement account details (balances, account types, tax brackets, timeline to retirement) and generates personalized recommendations for rollovers, transfers, and reallocation strategies. The platform models multiple scenarios (DCA vs lump sum transfers, Roth conversion timing, early withdrawal penalties) with precise tax impact calculations, then provides step-by-step execution guidance tailored to the user's specific situation and financial goals.

The Great Resignation has created unprecedented job mobility, leaving millions with orphaned 401k accounts requiring action. Recent market volatility and forced provider switches have amplified urgency around reallocation decisions, while complex tax law changes make DIY decisions increasingly risky.