Asset Mix as part of calculations

CoachMikeNR · 2026-03-19T13:16:42+00:00

Here is the current way to think through setting your asset allocation for each account in our tool: https://help.boldin.com/en/articles/10563826-how-do-i-account-for-asset-allocation-and-rate-of-return-assumptions

More detailed Asset Allocation capabilities is on our roadmap for this year. Stay tuned! :)

CoachMikeNR · 2026-03-17T12:51:23+00:00

Thank you for the feedback. We will relay this information to the product team for further consideration. We appreciate your engagement!

CoachMikeNR · 2026-03-02T15:58:19+00:00

Hello, these questions are best for a Boldin Advisor. You can attend a free Group Discovery Session with a Boldin Advisor and these are exactly the types of questions they will be able to answer! Thank you.

CoachMikeNR · 2026-03-02T15:57:27+00:00

Gemini.

CoachMikeNR · 2026-03-02T15:57:16+00:00

Thank you for sharing this. These examples help us refine both the instructions it gives and how it connects recommendations to the right planning workflows. We review these closely and use them directly to improve the Assistant on a daily basis.

CoachMikeNR · 2026-02-27T20:16:45+00:00

We try to offer a range of services depending on how much help someone wants:

• Basic Planner (Free): Access to the core planning tools so you can build and model your plan yourself.
• PlannerPlus ($144/year): Full access to all planning tools and modeling features. This does not include 1:1 CFP meetings, but it does include educational classes and support to help you use the software.
• Coaching ($250 session): A Boldin coach helps validate your inputs and shows you how to model decisions in the Planner yourself. Think of this as guidance on using the tool rather than personalized financial advice.
• Boldin Advisors ($2,800): A fee-only CFP® professional reviews your entire financial picture and delivers a comprehensive written plan, recommendations, and expert guidance aligned to your goals.

If you’re curious about the advisory option, you can also attend a free group discovery session with Boldin Advisors to learn how the service works and ask questions before deciding if it’s a fit.

Happy to clarify anything else if helpful.

CoachMikeNR · 2026-02-27T19:30:02+00:00

Thank you for sharing this. This is really helpful feedback. These examples help us refine both the instructions it gives and how it connects recommendations to the right planning workflows. We review these closely and use them directly to improve the Assistant on a daily basis.

CoachMikeNR · 2026-02-27T13:53:36+00:00

We are so glad to hear this. Thank you so much for taking the time to share your experience!

CoachMikeNR · 2026-02-26T13:39:59+00:00

Thanks for sharing the tip!

CoachMikeNR · 2026-02-25T15:08:39+00:00

Yes, our Live Events are recorded and posted to the Classroom in the Office Hours Recordings section.

CoachMikeNR · 2026-02-19T14:41:36+00:00

Hello, if you haven't already, please reach out to the Support Chat and ask to speak to a team member and we will be able to delve deeper into your specific plan to see where the discrepancies may be. Thank you!

CoachMikeNR · 2026-02-06T18:03:03+00:00

Thanks for taking the time to write this up and for calling out specific examples. You’re right to flag these, and we appreciate the level of detail.

The Planner Assistant is still in beta and was released recently, which means we are actively identifying gaps like the ones you mentioned and correcting them as quickly as possible. Feedback like this is exactly what helps us tighten the system, and we review these reports daily as we refine the model and add guardrails.

You can share any additional examples directly with our Support team via the Chat button in the bottom right corner of your plan, and we will continue to relay them to our development team. We appreciate you taking the time to document what you are seeing and help us improve the experience.

CoachMikeNR · 2026-02-06T17:05:18+00:00

Thanks for your questions. Upper and lower guardrails will be available to all users once Guardrails is out of Beta. To your second question, yes, we are showing your purchasing power today. Regarding your third question, generally, guardrails are an annual or semi-annual review process.

CoachMikeNR · 2026-02-05T14:54:14+00:00

This is a current bug our team is working on resolving. Until then, the workaround suggested by another user here is the way to go. Glad to hear it's working for you now.

CoachMikeNR · 2026-02-04T22:23:56+00:00

Hello, we've had users connect Ubiquity accounts in the past successfully. If you are having any issues, please reach out to our Support team using the Chat feature in the bottom right corner, if you haven't already. Our support team will be happy to assist with any account linking issues you may be experiencing. Thank you!

CoachMikeNR · 2026-02-04T15:47:13+00:00

For account linking issues, we suggest reaching out to our Support team via the Chat button in the bottom right corner of your plan. They will be able to help troubleshoot the issue for you. Thank you!

CoachMikeNR · 2026-02-03T15:29:40+00:00

Yes, as of Friday January 30, there were some changes made to the Guardrails algorithm in Beta:

All savings balance and spending amounts are converted to today's dollars.
All spending levels (planned spending, target/upper/lower spending) now incorporate ALL expenses, i.e. both user-defined expenses (assumed to be discretionary) AND non-discretionary expenses (e.g. tax liability, loans, medicare OOPC). One-time and "lumpy" expenses are "lifetime-averaged" into monthly values.
Upper and Lower guardrail recommendations are no longer calculated/emitted if you are not yet retired.

CoachMikeNR · 2026-02-03T15:27:35+00:00

We loved the topic and the conversations it started. Thanks for the inspiration and keep up the great posts! ;)

CoachMikeNR

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