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.

StrongAverageWeakNowLater years
  • 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.

Tax-free (Roth)Next dollarTax-deferredTaxable
  • 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.

StocksBondsCash
  • 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.

What your family would needGapWhat your cover pays
  • 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.

FixedFlexible, month by month
  • 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?

How it's different

Smart software and a real personThe software does the heavy lifting: it looks at everything and runs the numbers. I make sure the answers fit your life, and our time together goes to the big calls, like when to stop working and what to leave to whom.
Your money stays where it isNo transferring accounts, no paperwork, no signing up with a firm. Try it once and leave with a clear picture and a few next steps, or keep it going as life changes. Either is fine.
Nothing to sell youNo commissions, no products, and no fee tied to how much you have or where it sits. If the honest answer is to leave things alone, that's what you'll hear.
Your information stays privateIt 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.
Everything, from one set of numbersYour 401(k), the brokerage account, insurance from work, the will from years ago: all looked at together. Retire two years later and every answer moves with it.
Better than asking a chatbotA general chatbot doesn't know you and guesses at the math. Here every figure comes from calculations built on the real tax, Social Security and Medicare rules. The AI only explains them, and any number it gives that they didn't produce is flagged.
Answers when you ask"Can we retire at 60?" "Should we pay off the mortgage?" Ask in plain words, any time, and the answer comes from your own plan. It arrives with your own sign-in; until then, ask me.
Honest about what nobody knowsYou see a bad, a middle and a good outcome, not one precise number, and what would have to go wrong for the plan to break.
Built for my own family firstThis runs our plan. I'm not asking you to try something I don't use myself.

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.
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.