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“There’s so much that’s suboptimal about the way we approach retirement… Especially for people who are getting ready to retire because… you’re effectively sending people out and saying, ‘here’s your savings, figure it out.’”

— Christine Benz, Morningstar personal finance director 2024

"The Decumulator"

“Here’s your savings. You figure it out.” That’s the reality for most of us.

Decumulation Nation™ is designed to help you figure it out with a do-it-yourself approach.

Most everyone wants to understand how long their savings might last - and how to make solid decisions without jumping through hoops or handing over personal financial details to someone you don't know. What's out there is concerning - some tools are too simplistic to be helpful, and others so complex you’d need a financial degree (and a deep breath) just to get started.

So, for your approval, Decumulation Nation!

Our goal is simple: provide a clear, flexible way to help project (and protect) your retirement spending. But it has to be personal, too - smart enough to factor in real-life stuff, like paying off a mortgage or handling a one-time major expense that would likely change the math going forward. All without overcomplicating it.

So, if you've ever stared at your budget and thought, “Okay… now what?”, Decumulation Nation might be for you.

This isn’t a substitute for professional advice. But everyone needs a place to start. Maybe Decumulation Nation helps you answer some big questions on your own. Or maybe it just helps you ask better ones - so that if you do sit down with a Financial Advisor, you’re walking in prepared.

Either way, this tool was built with one purpose: to help give you clarity and control over your retirement planning.

No jargon. No noise. A fair price. Just one solid place to start.

Take a look around. See if it fits.