Release Date: December 16, 2025 Version: 2025.3.1
Roth Conversion Optimization
- New optimizer identifies ideal timing and amount for Roth conversions based on income, tax brackets, and long-term goals.
- Model multiple strategies, set constraints, and minimize lifetime tax exposure.
- Automatically considers federal/state tax brackets, Social Security taxation, capital gains, and IRMAA surcharges.
Backup Linking Provider (Plaid)
- If an account fails to link or update through Yodlee, Plaid now works as a backup provider.
- Accounts linked via Plaid will not show historical balances or transactions in Investment Insights.
Cash Flow Input Enhancements
- Living Expenses and the budget worksheet have moved from Plan Settings to Cash Flow Inputs.
- You can now specify which investment account receives a cash inflow.
Income & Projection Improvements
- Income projections now exclude capital gains.
- Dividends and interest are separated in the Income vs. Expenses graph.
Roth Conversion Workflow
- Roth conversions removed from Annual Contributions section.
- You may now add conversions from multiple accounts into a Roth IRA.
Tax Brackets & Medicare Updates
- Federal tax brackets, IRMAA thresholds, standard deductions, and Medicare premiums updated with 2026 values.
Bug Fixes
- Dividend tax rate incorrectly set to 0% post-retirement in some plans — fixed.
- Custom asset class creation restored in Asset Allocation Strategies.
- Cash Inflow income for the current year is now fully recognized for Taxable Income purposes.
Release Date: October 1st, 2025 Version: 2025.2.1
Holdings & Positions
- View rolled up positions to see concentration by position.
- Sort by name, balance, or percent of portfolio.
Qualified Charitable Distributions (QCDs)
- View projected QCDs through time.
- QCDs can now withdraw from qualified accounts if RMDs do not suffice.
Report
- Enter custom notes on Report pages.
Release Date: July 29th, 2025 Version: 2025.1.1
Bug Fixes
- Manually-entered holdings now update correctly.
- Corrected standard deduction bonus for those over 65.
- Fixed owner assignment for contribution start/end ages.
- Corrected display of account owner in some cases.
Release Date: July 14th, 2025 Version: 2025.1
User Interface
- More intuitive layout.
- Navigation speed improved ~10×.
- More mobile-friendly.
Security
- Two-Factor Authentication (2FA) now available.
Cash Flows
- Individual version users can model annuities.
- Apply Qualified Charitable Deductions (QCDs).
- Enter cost basis for major Cash Inflows (e.g., home sale).
Taxes
- New York state's $20K retirement income exclusion.
- Model QCDs.
- Federal brackets will not revert to pre-2017 levels.
- Updated standard deductions including age-65+ additions.
Scenarios
- Run multiple Roth conversion scenarios simultaneously.
- View projected conversions by account.
- Convert up to the 35% federal bracket.
Cash Flow Projections
- Filter which columns to view.
Report
- More modern report styling.