Early preview

Your whole financial plan, in plain answers

I built Third Wind to run my own family's plan. Before anyone else uses it, I'd like your honest reaction.

See what's inside

It answers questions like

  • Will our money last?
  • Can we retire early?
  • Where should our savings go?
  • Are we insured enough?
  • What should we do next?

Trying it

  1. A 30-minute call to show you around
  2. Your own numbers, if you'd like
  3. Tell me what helped and what didn't

Want to try it?

Reply to my text.

Your own sign-in is coming soon.

Want the details first? Keep reading

What's inside

Most families have a 401(k) here, a brokerage account there, insurance from work and a will from years ago. Nobody looks at it all together. Third Wind does, and turns it into a short list of answers and next steps.

What you get

Know whether you're on track

See where your money is headed in weak, average and strong markets, in today's dollars.

  • The return your plan needs, and how much room you have
  • Whether you can retire before 59½, and pay for health cover until Medicare
  • What happens if markets fall just as you stop working
  • Whether college and retirement savings collide
Will our money last?Can we retire early?

Keep more of what you earn

The tax moves that matter for your household, with the trade-off stated.

  • Which account your next savings dollar should go to
  • Whether a Roth conversion pays, counting health cover costs and Medicare surcharges
  • When to give to charity, and which shares to give
  • A year-end checklist to hand to your accountant
Where should our savings go?Should we convert to a Roth?

Invest with a clear rule

Every account looked at together, not one at a time.

  • A level of risk you choose from a set of model portfolios
  • Your mix checked across every account, with a wide band before anything changes
  • Which account should hold what, to lower your taxes
  • What fees will cost you over your lifetime, in dollars
Is our mix right?Are we paying too much?

Protect your family

The gaps that matter most if something happens to one of you.

  • Life, disability and liability cover measured against what your family would need
  • Every beneficiary checked against your will and trust
  • Whether your will, guardians and powers of attorney are current
Are we insured enough?Who inherits what?

See where the money goes

Spending read from your bank and card statements, not a budget you have to keep.

  • What you really spend, fixed and flexible
  • How this month compares with a usual month
  • Where you could spend less, if you want to
What do we spend?

Why it's different

Everything, from one set of numbersSpending, retirement, investments, taxes, insurance and estate all work from the same accounts. Change your retirement date and every answer moves with it.
Answers whenever you askQuestions don't wait for a meeting. Ask in plain words, day or night, and the answer comes from your own plan, not a generic article.
The AI explains. It doesn't do the math.Every figure comes from calculations built on the actual rules: tax brackets, contribution limits, Social Security and Medicare. The AI puts those results into plain words, and it's checked so it can't quote a number the calculations didn't produce.
Our time goes to the big decisionsYour accounts stay current on their own and the basics are answered before we meet. So we spend our time on the hard calls: when to stop working, what to give, what to leave and to whom.
Honest about what nobody knowsYou see a low, middle and high outcome, not one precise number, and what would have to go wrong for the plan to break.
Sometimes the advice is to do nothingSmall improvements inside the margin of error aren't worth your time, and it says so.

What you walk away with

  • A plain answer to "are we on track?"
  • A short list of next steps, most important first
  • A written report to keep and share with your accountant or attorney
  • A record of what we decided, so next year starts where this one ended

Fair questions

How much time does it take?A 30-minute call to look around. If you want your own plan, about an hour to gather statements, a tax return and your policies.
Is my information safe?It stays on my computer and in encrypted backups. It isn't sold or shared, and I'll ask before any of it goes to an AI service.
Are you selling me something?No. I don't sell products or earn commissions. I want to know if this is useful.
Can I use it myself?Soon. Your own sign-in is on the way, and the chat comes with it. For now, I'll walk you through it.

Ready to try it?

Reply to my text and we'll find 30 minutes.