Ask why a number moved. The Forge walks it back.
Advisor asks Forge: “In 2063 why do the taxes jump up?” Forge explains the change, checks the numbers, and replies: Taxes jump because funding shifts from partly tax free to almost entirely taxable: $70,225 in 2062 to $142,502 in 2063. Taxable share of withdrawals 64% in 2062, 99% in 2063. Spouse 401(k) withdrawals $0 in 2062, $393,446 in 2063. Ordinary income $323,263 in 2062, $552,533 in 2063. Federal marginal rate 22% in 2062, 24% in 2063. RMDs actually fall $6,765, so they are not the cause. One modeling note worth confirming: the client 401(k) carries a Roth designated slice from a savings rule running 2026 to 2039.
Ask in plain language why a number moved and the Forge runs the deterministic projection, diffs the two years, and hands back the chain: which account's draws changed tax character, how much ordinary income that recognized, what it did to the marginal rate, and what it rules out. A deterministic engine computes the attribution and the model only narrates it, so every dollar traces to engine output or the answer is held back and rechecked before you see it. Name the wrong year and it finds the real boundary and tells you both. When a cause traces to something worth a second look, like a savings rule contributing 100% Roth, it raises it as a question rather than a verdict. It still builds profiles, drafts scenarios, and prepares the deck across 65 tools, and it never changes a plan without your sign off.
- 65 tools
- year over year attribution
- finds the real boundary
- no invented numbers
Statements in. Accounts out. You approve the merge.
Upload the client's brokerage, 401(k), IRA, and insurance statements: PDF, Word, Excel, CSV, or image. The Forge scans each one, pulls out the account, custodian, and value, and shows you exactly what it found. Choose onboarding or an update against an existing scenario, review the flagged rows, and commit. The data lands in the profile with every number traceable to the statement it came from.
- PDF · Word · Excel · CSV · image
- account level extraction
- onboarding or update
- you commit every row
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. Redact the names if you like; the plan builds the same. The data goes in fast and we plan in front of you.