Boldin (formerly NewRetirement)

Boldin (formerly NewRetirement) is a web-based do-it-yourself (DIY) personal financial and retirement planning platform. Designed for individual investors, pre-retirees, and retirees, the software builds a comprehensive household financial model to project long-term cash flow, evaluate retirement timing, and simulate financial trade-offs.

Financial Modeling & Capabilities

The platform consolidates household financial variables into an interactive planning model:

• Income Sources: Employment earnings, Social Security benefits, pension payouts, and annuity distributions.
• Tax Modeling: State-level tax modeling, itemized deductions, and marginal tax bracket calculations.
• Real Estate & Debt: Future primary or secondary property purchases and sales, alongside mortgage, student loan, and credit card debt schedules.
• Budget & Expenses: Recurring living expenses, discrete one-time purchases, Medicare premiums, and long-term care cost projections.
• Scenario Modeling & Analytics: Scenario testing ("what-if" modeling) across inflation, market return, and expense variables, supported by cash flow visualizations and Monte Carlo probability simulations.
• Boldin AI: A conversational assistant embedded in the platform that answers planning queries using a member's specific financial data inputs.

Delivery & Support Model

Boldin is delivered as a cloud subscription service. In addition to self-service planning tools, the vendor provides optional educational classes, peer discussion groups, and one-on-one coaching sessions with financial planners.