Boldin product updates

Every improvement, fix, and new feature — as it ships.

On February 19, 2025 we released an enhancement to the scenario manager.
We addressed a number of issues impacting the speed of the Detailed Budgeter.
We improved the efficiency of our Monte Carlo simulation and it now runs 1.2x faster.
On February 10, 2025 we updated state tax rates, brackets, and standard deductions for 2025.

On January 28, 2025 we released our beta testing program.
On January 1, 2025 we updated federal tax data and contribution limits for 2025.
- This includes Federal tax brackets, deductions, social security earnings limits and wage bases, Medicare, and IRMAA.
- The 2025 contribution limits have been updated for 2025 across IRA accounts as well as employee and combined contribution limits for 401(k), 403(b), 457(b), 401(a) account types.

During December’s “bug week” the engineering team squashed over 20 bugs.
On December 19, 2024 we added a cash balance pension feature.
On December 16, 2024 we added an Insights Required Distribution Report. This will allow users to more accurately understand their Required Distributions from retirement accounts and Inherited IRAs.
On December 5, 2024 we released an Inherited IRA Feature for Pre and Post SECURE Act Inherited IRAs and diverse beneficiary types. This feature will enable users to easily account for Inherited IRAs including required distributions and any associated income tax liability. The enhancement supports increased ease of use, discovery of opportunities, and more accurate financial planning.
On December 5, 2024 we added a new Financial Wellness Metric: Retirement Savings Opportunity. This will allow you to see where you stand relative to annual contribution limits and take advantage of any remaining savings opportunities by providing the percentage of the limit you have saved so far this year.
We’ve squashed a bug regarding the assumptions under which the Print Report was run.

On November 26, 2024 we updated the Overview Net Worth Chart. This allows you to see how your net worth is changing from month to month and view your net worth at retirement age.
On November 26, 2024 we moved the Scenario Toggle and updated the top navigation bar to improve scenario visibility and ease of use. This will increase your ability to identify and manage scenarios.
We’ve squashed a number of bugs including retirement date incorrectly carrying across scenarios and tool tips in the Detailed Budgeter.
On November 11, 2024 We resolved an issue with 2FA for users storing passwords in Last Pass.
On November 1, 2024 we made the following updates to the Roth Conversion Explorer:
- When running the Roth Conversion Explorer, 2024 conversions prior to the current month will not be ignored. This supports users in identifying opportunities for Roth Conversions in the current year.
- In addition, when running the Roth Conversion Explorer, future changes to rates of return will be respected.

We have added a dividend feature for qualified dividends in after-tax accounts. This improves the tax accuracy of plan projections.

Your personalized path to financial wellness starts here.