Join as a founding member

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.

Access starts at launch, planned for September 22. You claim your spot then (30-day free trial, then $199/yr at the founding member price) and your login follows the same day.

Yes. Joining costs nothing and commits you to nothing. Claim a spot when your invitation arrives at launch and your 30-day free trial starts; $199 for the year is charged only when the trial ends, and canceling during the trial costs nothing. If the timing isn't right, just ignore the invitation.

Lumifin is built for people approaching or in retirement with savings across multiple account types. That's where withdrawal order, Roth conversions, and ACA planning move real money. Your age range, assets, and timeline tell us whether Lumifin fits your situation before you ever pay, and help us prepare for launch. Your answers are never sold or shared.

Every subscription starts with a 30-day free trial; you're charged when the trial ends. $199 then covers a full 12 months of unlimited access. That's the founding member price, and it's yours for life: your subscription renews at $199/yr for as long as you stay subscribed. New subscribers will later pay $299/yr. Lumifin is annual-billing only, with no monthly plan. Your subscription renews automatically at $199/yr unless you cancel, and you can cancel anytime: during the trial, or before any renewal date.

The 30-day free trial replaces a refund window: you only pay once you've had a full month to decide. Cancel before the trial ends and you're charged nothing at all. After the trial converts, your year runs to its end date and renews only if you let it.

No. Lumifin is a financial planning tool that shows the math behind retirement choices. We don't advise on securities or recommend specific investments. For personalized advice, talk to a licensed financial advisor or CPA.

Yes. Lumifin is built for people approaching or already in retirement, and for DIY savers modeling early-retirement scenarios: ACA bridge years, Roth ladder, withdrawal sequencing for early access. The same engine, same features.

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