Paste or type everything you know about the client: family, ages, income, assets, debts, coverage, goals. The AI reads it on the spot (same engine as V4 Voice QuickFacts, usually 10–40 seconds), fills the profile, and runs the full analysis. If the instant AI is down, it goes to the analyzer queue as a backup.
No AI analysis yet. Use Paste case summary on the Client Profile.
A clean one-page summary for the client: profile snapshot, what we found, what we recommend, and next steps. Planning items only, with no commissions or agent compensation.
Every original calculator page. Each opens in a new tab and picks up the active client from this profile.
Interactive CalculatorsFoundational Time Value of Money tools — the building blocks of every financial analysis.
Project investment growth with regular contributions over time. See how compound interest builds wealth.
Determine what a future sum or payment stream is worth in today's dollars. Essential for comparing options.
Calculate loan payments with full amortization schedule, extra payment analysis, and interest breakdown.
Solve for the interest rate or rate of return on any investment using Newton-Raphson iteration.
Calculate IRR for any series of cash flows — investments, projects, or insurance policies.
HP-12C style solver. Enter any 4 of 5 variables (N, I/Y, PV, PMT, FV) and solve for the missing one.
Measure your actual investment returns and compare against market benchmarks.
Mobile-friendly tools designed for face-to-face client meetings.
Complete asset/liability tracker with real-time net worth. Includes HLV quick calc, income risk analysis, and visual asset breakdown chart.
Map 40+ expense categories, track savings ratios, and deploy surplus using the Wealth Coordination Account model. Collapsible sections for mobile.
Florida Retirement System pension estimator with all 4 payout options, early retirement penalties, and DROP accumulation projections.
Advanced tools for comprehensive financial analysis — tax-adjusted growth, employer match, and loan comparison.
Compare two loan scenarios side-by-side with opportunity cost analysis. See the true cost of borrowing.
Project investment growth with tax-adjusted returns. Compare tax-deferred, taxed annually, and tax-exempt.
Model 401(k)/403(b) growth with employer match, vesting, salary growth, and after-tax projections.
High-value tools for comparing vehicles, strategies, and total wealth potential.
Model multiple income and expense streams with individual growth rates. See net cash flow and accumulation.
Compare life insurance vs brokerage vs Roth IRA vs savings — after-tax, after-fee, side by side.
Policy loans vs bank loans — see how your money keeps working when you borrow against your policy.
Calculate your income replacement need — the foundation for proper life insurance coverage.
How much capital to replace your income? Includes SWR method, depletion modeling, and Social Security.
IFR Module 226 — show the dramatic impact of taxes, debt & lifestyle on lifetime wealth. The "aha moment" calculator.
Universal two-strategy comparison engine. Roth vs Traditional, term vs perm, pay off mortgage vs invest — any A vs B question answered.
Advanced financial calculators covering opportunity cost, volatility, real estate, education funding, retirement distribution, debt payoff strategies, and side-by-side comparisons. Below is every calculator mapped against our existing toolkit. Calculators marked ✅ HAVE already exist. Those marked 🔨 BUILD are worth rebuilding. Those marked ⏭ SKIP are low-priority or require proprietary data.
The foundational TVM calculators. We already have all 5 plus a unified HP-12C solver.
Concept: Project account growth with contributions and interest.
OURS: Calculator #1 — Future Value
Concept: Reverse-engineer goals, inflation calculations, discount future sums.
OURS: Calculator #2 — Present Value
Concept: Determine periodic payments on financed purchases, adjust terms/rates.
OURS: Calculator #3 — Payment Calculator
Concept: Solve for interest rate / rate of return when you know the other 4 TVM variables.
OURS: Calculator #4 — Rate Calculator
Concept: How long to reach a goal given starting amount, payments, and rate.
OURS: Unified TVM Calculator (solves for N)
These calculators map directly to tools we've already built — same concepts, same math.
Concept: True IRR for irregular cash flows, insurance policies, projects.
OURS: Calculator #5 — IRR
Concept: Compare loan structures, amortization, true cost of borrowing.
OURS: Calculator #6 — Loan Analysis
Concept: Compare bank loans vs policy loans vs paying cash. Shows "pay yourself back" concept.
OURS: Calculator #11 — Borrowing Strategy
Concept: 401(k)/403(b) growth modeling with costs, fees, and management drag.
OURS: Calculator #8 — Qualified Plan (401k)
Concept: Up to 3 payment/withdrawal streams with growth rates and compounding.
OURS: Calculator #9 — Cash Flow Calculator
Concept: Compare whole life cash value vs savings account vs alternate investments with tax + fees.
OURS: Calculator #10 — Funding Illustration
Concept: Lifetime income with taxes, debt, lifestyle eroding wealth. The "macro" view with retirement distribution longevity.
OURS: Calculator #14 — Wealth Building Potential
All 8 advanced financial concept calculators have been built. Click any card to open the calculator.
BUILT! Shows total lifetime cost of car buying — cash outflow PLUS opportunity cost of foregone investment growth. 10 inputs, stacked bar chart, purchase schedule table, 4 presets.
BUILT! True cost of revolving debt with 4 payoff strategies (minimum, fixed, avalanche, snowball). Multi-debt support, strategy comparison table, opportunity cost tracking.
BUILT! Investment property analysis — cap rate, cash-on-cash return, IRR, DSCR. 20 input fields, year-by-year projection with appreciation and equity build, sale proceeds at exit.
BUILT! Retirement withdrawal simulator — how long will money last? Color-coded area chart (green→yellow→red), withdrawal rate comparison table, Social Security and pension offsets.
BUILT! "How much do I need?" — retirement gap calculator with thermometer gauge, savings growth chart, employer match, Social Security offset. 12 inputs, 4 presets.
BUILT! College cost projector for up to 4 children — education inflation, school type presets, grants/scholarships, funding gap, monthly savings needed, opportunity cost analysis.
BUILT! Volatility drag demonstrator — quick mode (stats) or manual mode (year-by-year returns). Monte Carlo overlay, "Aha" table, real S&P 2000-2020 preset. The most powerful teaching moment.
BUILT! Universal two-strategy comparison engine. Roth vs Traditional, term vs perm, pay off mortgage vs invest, fee impact — any A vs B question with taxes, fees, inflation, and crossover analysis.
Additional reference tools. Some we already cover, others are niche or need proprietary data.
Concept: Tax brackets by filing status.
OURS: IFR-243 Financial Balance — now auto-calculates marginal rates from 2025 brackets.
Concept: Historical top marginal tax rates by decade.
OURS: IFR-214 Long-Term Variables — includes tax rates from 1910s-2020s.
Concept: Year-over-year CPI inflation data.
OURS: IFR-214 Long-Term Variables — CPI by decade with charts.
Concept: S&P 500 returns with/without dividends from 1937-present.
OURS: IFR-214 (decade averages) + Return Calculator (benchmark data).
Concept: Import up to 6 permanent + 4 term policy illustrations. Values feed into other calculators.
Skip for now: Requires proprietary carrier illustration data import. Our Funding Illustration handles the comparison side.
Concept: Actuarial life expectancy by age and health rating. Used for policy structuring.
Skip for now: Niche reference data. Could add as a simple lookup table later.
Concept: TC's most complex tool — models a person's ENTIRE financial life across all assets, liabilities, income streams, and time. Multiple accounts with transfers between them.
Skip for now: Extremely complex to rebuild. Our Cash Flow Tracker + Net Worth tool covers the basics. Could be a long-term project.
Core concepts from the Insurance and Financial Review training — interactive tools rebuilt from the original IFR video library (66 modules).
Interactive diagnostic — assess financial disorder symptoms and prescribe the IFR treatment.
Physical and temporal disorganization assessment — identify causes of financial disorder.
Interactive inflation & tax calculator — the full picture of rising costs most people miss.
Interactive myth-busting tool — debunk the most dangerous financial misconceptions with data.
The "Protection First" framework — four domains of protection that form the IFR foundation.
Client engagement workflow — Introduction, Data Gathering, Presentation, Delivery checklists.
Interactive visual of Protection, Assets, Liabilities, Cash Flow — the four pillars of the IFR.
12-category protection assessment grid — rate each area: No Protection, Under Protected, Optimal.
Decade-by-decade economic data (1910s-2000s) — stocks, bonds, rates, inflation, tax rates.
Retirement horizon calculator — life expectancy, inflation impact, purchasing power erosion.
Optimal Financial Balance concept — sales conversation framework and practice guide.
Tax impact visualization — see how federal, state, local taxes compound to erode wealth.
Sample complete IFR report viewer — see the finished product with all four domains.
Interactive client interview form — capture life story, values, and financial history.
Complete sales role-play guide — scripted phases from opening to close with objection handling.
Additional IFR training — Cash Flow Sources, Permanent Life Insurance Overview, Rate of Return, Financial Balance Sheet.
Calculators and reports for the Protection domain — insurance assessments, observation reports, and risk analysis tools.
Interactive P&C assessment — auto and homeowner's coverage review with action steps checklist.
Calculate the true cost of going without protection — asset, liability, and income exposure compounded.
Wills, Trusts, POA, Living Will assessment — coverage gaps and action steps for legal protection.
DI assessment with disability statistics, myth vs reality, and ideal policy feature checklist.
IFR balance sheet at disability — see the income gap when disability strikes with full financial impact.
Life insurance observation report — coverage assessment, HLV guidelines, and action steps.
"Buy Term & Invest the Difference" analysis — hypothetical investment vs guaranteed death benefit.
16 financial "buttons" of permanent life insurance — the features people miss while fixating on ROR.
Cash flow analysis, wealth building, and the Cash Flow Strategy series — scenario-based planning tools.
Complete income and expense tracker — gross income through net cash flow with waterfall chart.
The "aha moment" calculator — show how taxes, debt & lifestyle consume lifetime wealth potential.
Monthly/annual expense categorization — basic vs discretionary spending with pie chart breakdown.
Framework for 6 scenario types — Current vs Alternate strategy comparison across all domains.
Current vs alternate savings vehicle comparison — side-by-side growth projections.
Tax drag analysis — how annual taxation of gains impacts long-term accumulation.
Taxable vs Tax-Deferred vs Tax-Free — compare three accumulation approaches over time.
30-year retirement cash flow projection — accumulation through distribution with transition point.
Debt optimization — avalanche vs snowball payoff comparison with interest savings analysis.
Extra payments vs invest-the-difference — 30-year wealth comparison for mortgage optimization.
Combined Current vs Alternate scenario — protection, assets, liabilities comparison.
Insurance strategy comparison — death benefit and cash value analysis over time.
Advanced comparative benefits analysis — NPV and living benefits comparison.
Full household wealth scenario — complete balance sheet comparison under two strategies.
Retirement income, Monte Carlo analysis, asset protection, and legacy planning tools.
Legacy vs Lifestyle balance — retirement income strategies and the bucket concept.
Retirement risk factors — sequence of returns, real withdrawal rates, and bad-timing scenarios.
1,000-iteration probability analysis — success rate, confidence bands, and failure zones.
Asset drawdown analysis — when do assets hit zero? Compare withdrawal rates and inflation.
IRA/401(k) distribution calculator — RMDs, tax impact, Roth vs Traditional comparison.
Annuity income calculator — lifetime income projection with breakeven and legacy analysis.
Four retirement strategies — Asset Depletion, Reverse Mortgage, Planned Giving, Estate Transfer.
What you WANT vs what your plan DELIVERS — retirement lifestyle gap calculator.
Estate planning tools — ILIT, CRT, gifting strategies, home equity options for legacy.
Business-focused IFR modules — valuation, succession, key person analysis, benefits, and executive planning.
Business data intake and planning framework — structure, financials, ownership, and succession.
Comprehensive business data intake — revenue, EBITDA, ownership structure, key employees.
Business protection assessment grid — 10 categories rated from No Protection to Optimal.
Business valuation and keep vs sell decision tool — compare wealth outcomes both ways.
Detailed sell-side analysis — after-tax proceeds, reinvestment projection, income comparison.
Detailed keep-side analysis — projected growth, income stream, risk factors, succession timeline.
Key person insurance calculator — compensation multiplier, revenue contribution, replacement cost.
Business loan amortization — compare terms, extra payments, and total interest analysis.
Employee benefits assessment — coverage checklist, costs, participation rates, competitive analysis.
Plan type comparison — 401(k), SEP, SIMPLE, DB, Cash Balance with SECURE 2.0 credits.
SERP, Split Dollar, 162 Bonus, Rabbi Trust — executive compensation planning tools.
Personal vs business-owned life insurance — tax analysis and Section 162 bonus plan.
Dave Christy's complete IPS conversation framework — from first appointment scripts to objection handling. Print these for your meeting folder.
Charts and data for client meetings — bear market history, investor behavior, fee comparisons, and market performance. Keep these in your desktop folder.
Sample portfolio proposals for American Funds, BlackRock, and Jackson annuities. Use as reference for portfolio design conversations.
Ascensus onboarding guides, SECURE 2.0 tax credits, Safe Harbor details, and small business retirement plan resources.
Spreadsheets and calculators for advisory vs brokerage comparison, fee analysis, cash reserve projections, and practice management.
Sample year-end and mid-year client letters. Customize with your name, branding, and local market commentary.