A comprehensive retirement readiness platform that ingests a user's complete financial picture (accounts, assets, debts, family situation) and runs Monte Carlo simulations against personalized variables including dependents with ongoing care needs, healthcare bridge costs, tax-optimized withdrawal strategies, and Social Security scenarios. The tool produces a confidence score, specific recommendations on asset allocation, and identifies the exact gaps preventing FIRE readiness. Includes scenario comparison so users can model 'what if I work 2 more years' decisions instantly.

The FIRE movement has matured beyond simple 4% rule calculations, with users facing increasingly complex situations (aging parents, special needs kids, healthcare costs) that no existing tool handles well. Recent volatility in Social Security projections and healthcare inflation makes personalized stress-testing more critical than ever.