A SaaS planning tool imports account balances, tax lots, pensions, Social Security/CPP-style income, healthcare assumptions, and spending needs, then generates year-by-year withdrawal and conversion strategies. Users can compare scenarios such as retiring now versus later, keeping MAGI under subsidy thresholds, absorbing ACA policy changes, or replacing an expensive advisor with a one-time plan export for CPA or planner review.

A growing wave of FIRE and pre-retirement households is entering the decumulation phase, where tax and healthcare rules create higher-stakes planning complexity. Rising advisor fees, healthcare uncertainty, and expiring subsidy debates make self-directed scenario planning more urgent.