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FAQ

Answers on plans, the AI Strategist, Roth conversions, Social Security, Medicare IRMAA, accounts, privacy, and optional advisor review. The full platform is free. For account help, .

Planning, AI & scenarios

How RetirementNeuron works, what it covers, and how to interpret projections responsibly.

Is RetirementNeuron a financial advisor?
No. RetirementNeuron is educational retirement planning software. It helps you organize household information, compare scenarios, and understand modeled tradeoffs. It does not provide personalized investment, tax, legal, Medicare, or Social Security advice.
When should I involve a professional?
Involve the appropriate qualified professional before acting on decisions that depend on your complete financial, tax, legal, benefits, insurance, or health situation. RetirementNeuron can help you organize the assumptions, scenarios, and questions you want that professional to review.
What does optional professional review mean?
When available, you may submit selected planning outputs for a separate written review by an approved advisor or advisory firm. The scope, fee, credentials, disclosures, and terms are shown before you request a review. The professional—not the software—determines the content and status of any advice they provide.
What is RetirementNeuron?
RetirementNeuron is a household-aware retirement planning workspace. It combines saved plans and scenarios, rule-driven calculations, and an AI Strategist that explains results in the context of your plan.
What does the AI Strategist do?
The AI Strategist answers questions using your active plan, your message, and applicable planning rules. It can surface assumptions, tradeoffs, and next actions. Rule-driven calculations stay separate from AI explanations. AI responses can be incomplete or incorrect—verify important numbers before you act.
Can RetirementNeuron help with Roth conversion planning?
You can explore year-by-year Roth conversion schedules with estimated income, MAGI, bracket, deduction, and Medicare/IRMAA context. Outputs are estimates based on your inputs—not tax advice or guaranteed outcomes.
Can RetirementNeuron help with Social Security claiming scenarios?
You can compare claiming ages and household timing assumptions alongside income and spending. Confirm official benefits and rules with the Social Security Administration and a qualified professional before you decide.
What is Retirement Resilience (Monte Carlo stress testing)?
Retirement Resilience uses many simulated market paths to illustrate a range of possible outcomes under uncertainty. Results depend on assumptions and are not predictions of what will happen.
What is IRMAA and why does it matter?
IRMAA can increase Medicare Part B and Part D premiums when modified adjusted gross income crosses certain thresholds. Planning tools may surface IRMAA watchpoints so you can discuss timing with a qualified tax or Medicare specialist.
Can couples plan together?
Yes. The product is built for household-level planning so you can include multiple members, coordinate scenarios, and consider survivor framing when it applies. It remains educational software—not legal or estate advice.
What is scenario-based retirement planning?
Scenario-based planning means saving alternate versions of your plan—different retirement ages, spending paths, claiming strategies, or tax assumptions—so you can compare outcomes side by side with clear assumptions.
Are projections guaranteed?
No. All projections depend on assumptions, markets, policy changes, and incomplete information about the future. Use them to learn and compare options—not as promises of performance or tax results.
Is RetirementNeuron free?
Yes. The entire RetirementNeuron platform and all of its planning features are free to use. The only paid option is optional advisor or professional review when available—the scope, fee, and disclosures are shown before you request a review.
What data do I need to get started?
Start with household members, approximate account balances, income sources, retirement timing goals, and spending assumptions. You can refine over time. More accurate inputs generally produce more useful estimates, but projections remain estimates.

Accounts, privacy & paid services

Everyday product questions beyond retirement planning mechanics.

Is RetirementNeuron personalized financial, tax, or investment advice?
No. We provide planning tools and educational context. Outputs are based on your inputs and year-versioned policy rules. Consult qualified professionals for advice specific to your situation.
How is this different from a calculator?
Most calculators project balances. RetirementNeuron compares household retirement strategies, models tax-aware tradeoffs, and includes a chat-based AI Strategist that can answer plan questions in plain English.
Do I need to link accounts to use it?
No. You can plan entirely with manual entry. Account linking is optional when available and included with free platform access.
Are there any paid features?
There are no paid feature tiers. The entire RetirementNeuron platform is free. The only paid option is optional advisor or professional review when available—the scope, fee, credentials, and disclosures are shown before you request a review.
Can couples plan together?
Yes. RetirementNeuron is household-aware: enter both spouses, model claiming and withdrawal coordination, and review survivor scenarios.
How is my data protected?
Linked-account access tokens are encrypted at rest. We never sell your data. See the Privacy Policy for full details.
Do I need to verify my email?
Yes. For email-and-password accounts we send a verification link before your first sign-in. Google sign-in uses your verified Google email.