RetireArc — retirement planning with numbers an advisor can defend

01The problem

Retirement software splits into two bad camps: consumer calculators too shallow to act on, and enterprise planning suites priced and designed for institutions. Fee-only advisors — fiduciaries whose numbers must be right and explainable — get caught between them. And the deepest costs aren't in the math at all: they're in the hours of account gathering and meeting prep that surround every client conversation.

02What we built

• The full planning core: Social Security optimization, Roth conversion analysis, Monte Carlo simulation, tax-bucket strategy, education planning, gap analysis, and multi-decade projections.
• Plaid-linked accounts, so plans run on real balances instead of stale spreadsheets.
• A streaming AI copilot that assembles meeting prep and flags plan gaps — the associate an independent advisor doesn't have.
• A client-owned data model: advisors subscribe, clients are free, and the plan data belongs to the client — an incentive structure fiduciaries recognize.
• Report generation for the conversations that still happen on paper, and a native iOS companion.

03How it's built

Financial software earns trust through explainability, so every projection is decomposable — no black-box scores. The codebase carries the same discipline we sell: versioned migrations, an automated test and evaluation suite, and CI that gates releases.

04Where it stands

Live at retirearc.com with the full planning core — Social Security through Roth conversions through Monte Carlo — and the AI copilot in advisors' hands. It anchors our financial-services practice: when we advise on AI in wealth management, the judgment comes from operating in the domain, not from a slide about it.