Full Lumifin app access — scenario modeling, withdrawal sequencing, Roth conversions, ACA strategy. Lumifin opens in August 2026 with 30 spots, plus 60 more in September. Join the waitlist now and we'll email you when signups open.
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One product. One price. Full app access for the year.
Full app access for a year. No charge until signups open.
Get a feel for the engine before you join. Both calculators are free — no signup required.
We'll email you when signups open in August, so you can claim one of the 30 August spots (60 more open in September).
Joining the waitlist is free — no payment today. The $199/yr subscription is charged only when you complete signup, and it's backed by a 30-day money-back guarantee.
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Unlimited access to the Lumifin app: scenario modeling, withdrawal sequencing across account types, Roth conversion comparison, ACA subsidy and healthcare cost modeling, and Social Security timing analysis (including spouse and survivor). Everything you need to model retirement decisions and see how each changes your ending balance.
Lumifin opens to a small number of new subscribers each month, not continuous enrollment. The first intake is August 2026 with 30 spots, followed by 60 in September. When spots fill, signups close until the next intake opens. Waitlist members get an email the moment signups open.
$199 covers a full 12 months of unlimited access. Lumifin is annual-billing only — there's no monthly plan and no free trial. Your subscription renews automatically at $199/yr unless you cancel, and you can cancel anytime before your renewal date.
30-day money-back guarantee. If Lumifin isn't useful for you in the first month, email us and we'll refund the full annual subscription — no questions asked.
No. Lumifin is a decision-modeling tool that shows the math behind retirement choices. We don't advise on securities or recommend specific investments. If you want a CFP-style plan with personal advice, our Optimization Plan service ($1,500) walks you through your projection — that's separate from the subscription.
Yes. Lumifin's primary audience is 50–65 approaching retirement, but the second core audience is 45–50 DIY savers wanting to model early-retirement scenarios — ACA bridge years, Roth ladder, withdrawal sequencing for early access. The same engine, same features.
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30 spots in August, 60 in September. Join the waitlist now and we'll email you when signups open.
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