01 / 06Foundation
True year-by-year cash-flow ledger
Foundry projects the plan on a real ledger rather than averages or approximations. Every downstream tax number and estate projection is accurate because the foundation is.
The technical foundation
A cash-flow engine that calculates instead of approximating.
Six capabilities that let you run a real Roth conversion, an estate scenario, or a multi-state retirement model live in front of the client.
02 / 06Onboarding
AI that handles the data entry
Drop in brokerage statements, 1099s, wills, or handwritten meeting notes. The AI reads the documents and fills the client profile, taking onboarding from hours to minutes.
03 / 06Estate
Real-time wills and beneficiary builder
Show the client exactly how much each beneficiary receives under different scenarios. Model gifting strategies, trusts, and charitable giving and watch the dollar impact live on screen.
04 / 06Tax
Federal, state, and estate tax in one model
Federal brackets, state composites, AMT, and IRMAA tiers are built into the cash-flow model. Every Roth conversion or asset sale immediately reflects the tax bracket it lands in.
05 / 06Simulation
Sub-second Monte Carlo and scenarios
Run 1,000 futures stress-testing returns, inflation, and longevity in under a second. Drag a retirement date on the timeline and watch cash flow, taxes, and portfolio re-solve instantly.
06 / 06Output
Short, focused client deliverables
Foundry rejects the 100-page binder convention. Plan documents stay concise and focused on the exact steps the client needs to take, while the full ledger remains queryable underneath for any question that comes up.
Deep dive I · cash flow
Every year of cash flow on one chart.
- 01Stacked inflows and outflows from today through end-of-plan. Click a year to break it apart.
- 02Event markers like retirement, a death, or a property sale plug into the model itself, so each one moves the cash flow it should move.
- 03The white line is Total Expenses. If it ever crosses above the stack, you need a withdrawal — and you'll see exactly where.
Cash Flow Analysis— click a year to inspect
Cooper & Susan Hewitt · USD · constant 2026 dollars
Social SecuritySalariesOther InflowsRMDsWithdrawalsTotal Expenses
- 01Every event is editable. Drag a date, and cash flow, tax, and Monte Carlo all re-solve in one pass.
- 02Pills map 1:1 to the planning taxonomy — the same language your clients already hear in review meetings.
- 03Reorder by dragging. Co-plan with spouse in the same column. Compare two scenarios side-by-side.
Deep dive II · timeline
A plan is a sequence of decisions over decades.
Plan Timeline — Hewitt Household
2026 → 2070·45 YR·12 EVENTS
2026Portfolio
Rebalance to glide path
Trim 8% from US Large. Redeploy to Intl + TIPS.
Age56 / 54
2028Tax
Roth conversion · $84K
Fill 24% bracket. Pay tax from taxable account.
Age58 / 56
2030Income
Cooper reduces hours
Salary steps down to $180K. Healthcare via Susan.
Age60 / 58
2035Life
Cooper retires
SS delayed to 70. Begin IRA withdrawals @ 4%.
Age65 / 63
2040Life
Susan retires
Cooper SS starts ($48K/yr). Medicare transition.
Age70 / 68
2049Tax
RMDs begin (Cooper, 73)
Forced distribution: $142K. QCD $20K to charity.
Age79 / 77
Drag to reorderShift + click to compare scenarios
Recalc914ms
Deep dive III · allocation
Drift you can see before the client calls.
Target bands, real-time drift, and tax-location decisions on one surface. Rebalance across accounts with sell proposals that respect wash-sale clocks and short-term windows.
Current allocation
Aggregated across 7 accounts · as of today
- US Large Cap42%/ 40%
- US Mid Cap13%/ 15%
- US Small Cap17%/ 15%
- International13%/ 15%
- Emerging Mkt9%/ 10%
- REITs6%/ 5%
Drift vs Target
±5% rebalance band · breach highlighted
US Large Cap+2.0%
US Mid Cap-2.0%
US Small Cap+2.0%
International-2.0%
Emerging Mkt-1.0%
REITs+1.0%
Max drift
2%
Tax lots reviewed
142
Proposed trades
6
Engine specifications
- Monte Carlo paths per run
- 1,000paths
- Full recalculation latency
- <900ms
Re-run on every keystroke
On a full multi-decade plan
Build a plan on the call
Bring a real client. We’ll build their plan on the call.
A live Zoom session where we build a working plan together. Bring a brokerage statement, a tax return, or a list of constraints. The data goes in fast and we plan in front of you.
Call duration
~30 min
Preparation
Zero
Cost
Free