Those tools model wealth trajectories. Foundry models cash flow year-by-year. The numbers you actually discuss with a client — Roth conversion dollars, bracket fills, withdrawal sequencing, RMD timing — are primary inputs in Foundry rather than approximations layered on at the end. The Monte Carlo engine runs on the full cash-flow ledger, including taxes, so the failure rates you show clients reflect their real tax drag.

Federal brackets, IRMAA tiers, and Social Security thresholds come from IRS and SSA primary sources and are versioned per tax year. State data currently covers 19 states with composite-rate approximations; full per-locality tax is on the roadmap. The 2026 TCJA sunset is modeled as a toggle.

Yes. Export is a core feature. You can download every plan, scenario, and event as CSV and PDF for as long as you have the account. There is no export lockout and no last-invoice ransom. If you decide to leave, we will run the final export for you.

Nothing is shared by default. Custodian integrations with Schwab and Fidelity are read-only position feeds, opt-in per advisor; we do not send client identifiers to any third party. We do not train AI models on your data.

A 45-minute kickoff call. A white-glove importer pulls positions from your custodian or a CSV. We build the first three plans with you live so you can see the engine work with your own numbers. Most firms are running their first client review in Foundry within 10 business days.