You're in line for full Lumifin access — scenario modeling, withdrawal sequencing, Roth conversions, and ACA strategy. Joining is free and takes a minute: your name, your email, and three quick questions about your situation. When the intake opens in August, invitations go out in waitlist order; you claim your spot then at $199/yr and your access starts the same day.
Full Lumifin app access for a year — model your own retirement decisions, scenario by scenario.
Want to see it first? Book a 20-minute discovery call →
Now: Join the waitlist free — your name, email, and three quick questions about your situation.
August 2026: The intake opens — 30 spots, hard cap. Invitations go out in waitlist order; you claim yours at $199/yr and your access starts the same day.
Guarantee: 30-day money-back guarantee from the day you pay — payment and access start together.
Free to join. Three quick questions about your situation help us know who's in line — when the intake opens in August, invitations go out in waitlist order and you claim your spot then at $199/yr.
Joining the waitlist is free — the $199/yr intake price is paid only when you claim your spot in August. Your answers stay with us: never sold, never shared. Every subscription comes with a 30-day money-back guarantee.
Want to talk it through first? Book a 20-minute discovery call →
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 when the August intake opens. Invitations go out in waitlist order; you claim your spot then ($199/yr) and your login follows the same day. Lumifin admits a small number of new subscribers each intake, not continuous enrollment — the August intake is 30 spots, hard cap, and when it fills, the next people in line are first for the following intake.
Yes. Joining costs nothing and commits you to nothing. You pay only if you claim a spot when your invitation arrives in August — $199 for a full year of access. If the timing isn't right, ignore the invitation and keep your place in line for the next intake.
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 the intake. Your answers are never sold or shared.
$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, counted from the day you pay — which is also the day your access starts. If Lumifin isn't useful for you in your first month, email us and we'll refund the full annual subscription, no questions asked.
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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30 spots for August access, hard cap. Join the waitlist free — invitations go out in waitlist order at $199/yr.
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