New features

  • Bug Fixes

    Fixed an issue where Roth conversions going into more than one Roth IRA did not subtract all of the conversions from the traditional retirement account they are coming from.

    date=2026-10-30|version=2026.3.3

  • A light blue line graph with data points, overlaid on a faint background of bar chart and colorful circles.

    Bug fixes

    Fixed an issue with manual Roth conversion scenarios where conversions were not spread properly when converting 100% of an account starting in the current year.

    Fixed state tax calculations for states that do not tax pension income so qualifying pension payments are properly excluded from state taxable income.

    Taxable accounts now use available interest for expenses even when the account is locked from using principal.

    Fixed cost basis calculations when a cash inflow is directed entirely to a single investment account.

    Interest and dividend income is now fully used for expenses before principal when a taxable account also has capital gains during the year.

    date=2026-09-03|version=2026.3.2

  • A light-colored background with a line graph showing an upward trend, with each point marked by a circle, and a bar chart with increasing bars on the right side.

    Trace AI assistant

    Ask questions about your plan and receive clear explanations based on the information in your WealthTrace plan.

    Explore how changes to assumptions and scenarios may affect projected outcomes without changing your saved plan.

    date=2026-07-15|version=2026.3.1

  • Abstract digital graph with a rising trend, bar chart, and connecting lines in soft pastel colors.

    Yodlee Version 1.1 Account-Linking Upgrade

    Upgraded account linking to Yodlee version 1.1 for a more stable linking and account-refresh experience.

    Improved the handling of linked-account data and asset class mapping for investment holdings.

    date=2026-07-15|version=2026.3.1

  • A financial chart with a line graph showing an upward trend, accompanied by a bar chart on the right side, set against a light background with abstract circular elements.

    Bug Fix — Delete Old Yodlee Accounts

    Fixed an issue that prevented some old Yodlee-linked accounts from being deleted when they no longer linked properly.

    This makes it easier to remove outdated or broken linked-account connections from your WealthTrace plan.

    date=2026-07-15|version=2026.3.1

  • A minimalistic, abstract background with a light color palette. It features a simple line graph with three data points, a bar chart with upward progression, and various geometric shapes including circles and dots.

    More Informative Monte Carlo Chart with Guardrails

    See how often guardrails are triggered and the exact years spending rises or falls in the 25th, median, and 75th percentile simulations.

    date=2026-03-26|version=2026.2.1

  • Abstract digital illustration of a line graph with three data points, a bar chart, and light circular design elements.

    Life Expectancy Scenario in Monte Carlo

    Quickly adjust your life expectancy and see how Monte Carlo results change.

    date=2026-03-26|version=2026.2.1

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    View Changing Roth IRA and Other Retirement Account Balances in Roth Conversion Scenarios

    See projected Roth IRA and other retirement account balances in the base case and scenario when running a Roth conversion scenario or optimization.

    date=2026-03-26|version=2026.2.1

  • A light-colored background with a faint line graph, circular data points, and a bar chart in the lower right corner, representing growth or progress.

    Better Asset Class Mapping for Linked-Account Holdings

    We now use a third-party provider to classify holdings in every mutual fund and ETF, improving coverage when financial institutions provide missing or inaccurate asset class data.

    date=2026-03-26|version=2026.2.1

  • Abstract digital graph with a rising line and bar chart in pastel colors.

    Order Investments Regardless of Owner

    Order investment accounts to set which ones are used first, regardless of owner. Previously, the primary user's accounts were always used before the spouse/partner's.

    date=2026-03-26|version=2026.2.1

  • A light-colored background with a faint line graph and bar chart in pastel shades, representing data trends.

    New Monte Carlo Look and Feel

    Refreshed Monte Carlo experience with updated layout and visuals for improved readability and navigation.

    date=2026-02-05|version=2026.1.1

  • A light blue line graph with three points on a white background. There are also faint bar charts and circular designs in the background.

    Monte Carlo Guardrails

    Adjust Annual Living Expenses in Retirement when the portfolio value rises above or falls below a threshold in Monte Carlo simulations.

    date=2026-02-05|version=2026.1.1

  • A faint line graph with a rising trend, overlaid on a background of light-colored circles and bars, creating a subtle abstract representation of data or growth.

    Monte Carlo Quick Scenario Controls

    Quick controls to adjust key scenario inputs and re-run Monte Carlo results faster.

    date=2026-02-05|version=2026.1.1

  • Light-colored abstract background featuring a line graph with circles and a bar chart with ascending bars.

    Roth Conversion Optimization for Beneficiaries

    Enhanced Roth conversion optimization that allows you to maximize the investment value for beneficiaries.

    date=2026-02-05|version=2026.1.1

  • A digital illustration of a line graph showing an upward trend with scattered bar chart elements in the background.

    Drill Down into Holdings from Pie Chart

    Click the asset allocation pie chart to drill down into holdings and explore concentrations and positions in more detail.

    date=2026-02-05|version=2026.1.1

  • Light blue line graph with three points, over a background of faint bar chart and abstract circles in pastel colors.

    Filters Are Saved

    For cash flow projections, filters now persist, so your views stay consistent when you return.

    date=2026-02-05|version=2026.1.1

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    Bug Fix — Cash Inflow Destination

    Fixed an issue affecting Cash Inflow Destination behavior. You can now send multiple cash inflows to one account.

    date=2026-02-05|version=2026.1.1

  • Abstract line graph with data points and bar chart on a light background.

    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.

    date=2025-12-16|version=2025.3.1

  • A minimalistic, abstract digital graph with a blue line chart and bar graph in light blue tones on a white background.

    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.

    date=2025-12-16|version=2025.3.1

  • A light background with a blue line graph showing an upward trend, along with faint bar and circular graphical elements.

    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.

    date=2025-12-16|version=2025.3.1

  • A light, abstract digital illustration of a upward trending line chart with bar graph in the background, featuring blue and pastel colors.

    Income & Projection Improvements

    Income projections now exclude capital gains.

    Dividends and interest are separated in the Income vs. Expenses graph.

    date=2025-12-16|version=2025.3.1

  • Abstract background with a light blue line graph displaying a rising trend, accompanied by a bar chart, with soft pastel colors and circular design elements.

    Roth Conversion Workflow

    Roth conversions removed from Annual Contributions section.

    You may now add conversions from multiple accounts into a Roth IRA.

    date=2025-12-16|version=2025.3.1

  • Faint abstract digital illustration of a line graph with data points, bar chart, and overlapping circles in light pastel colors on a white background.

    Tax Brackets & Medicare Updates

    Federal tax brackets, IRMAA thresholds, standard deductions, and Medicare premiums updated with 2026 values.

    date=2025-12-16|version=2025.3.1

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    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.

    date=2025-12-16|version=2025.3.1

  • Abstract line graph with data points and bar chart on a light background.

    Holdings & Positions

    View rolled up positions to see concentration by position.

    Sort by name, balance, or percent of portfolio.

    date=2025-10-01|version=2025.2.1

  • Abstract digital illustration of a line graph with data points, bar chart, and dynamic circular shapes in soft pastel colors.

    Qualified Charitable Distributions (QCDs)

    View projected QCDs through time.

    QCDs can now withdraw from qualified accounts if RMDs do not suffice.

    date=2025-10-01|version=2025.2.1

  • Abstract digital graphic showing a line graph with three data points and a bar chart in the background, symbolizing growth and analytics.

    Report

    Enter custom notes on Report pages.

    date=2025-10-01|version=2025.2.1

  • A light-colored background with a line graph showing an upward trend, accompanying bar chart with increasing bars, and circular accents.

    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.

    date=2025-07-29|version=2025.1.1

  • Abstract data visualization with a blue line graph, shaded circles, and a bar chart in the background.

    User Interface

    More intuitive layout.

    Navigation speed improved ~10×.

    More mobile-friendly.

    date=2025-07-14|version=2025.1

  • Abstract digital graph showing a rising trend with line and bar charts, light pastel colors, and minimalistic design.

    Security

    Two-Factor Authentication (2FA) now available.

    date=2025-07-14|version=2025.1

  • A light-themed abstract digital illustration of a financial or data growth chart with a line graph and bar chart, featuring soft blue and green tones.

    Cash Flows

    Individual version users can model annuities.

    Apply Qualified Charitable Deductions (QCDs).

    Enter cost basis for major Cash Inflows (e.g., home sale).

    date=2025-07-14|version=2025.1

  • A light pastel-colored abstract graph with a line chart and bar graph, showing upward trend.

    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.

    date=2025-07-14|version=2025.1

  • Light blue and green abstract financial chart with a line graph and bar chart in the background.

    Scenarios

    Run multiple Roth conversion scenarios simultaneously.

    View projected conversions by account.

    Convert up to the 35% federal bracket.

    date=2025-07-14|version=2025.1

  • Abstract digital illustration of a line graph with a bar chart in light blue and green colors on a white background.

    Cash Flow Projections

    Filter which columns to view.

    date=2025-07-14|version=2025.1

  • Light abstract background featuring a line graph with circles and a bar chart, in soft pastel shades of blue and green.

    Report

    More modern report styling.

    date=2025-07-14|version=2025.1