Professional Retirement Planning Without the 1% AUM Fee

You Don’t Need a Financial Advisor. You Need Their Tools.

You’ve built a seven-figure portfolio. You understand asset allocation, tax-loss harvesting, and why IRMAA thresholds matter. You don’t need someone to explain dollar-cost averaging or sell you a target-date fund.

What you need: The same modeling tools advisors use - without paying 1% of AUM forever.

What you get: Desktop software that handles Roth conversions, TCJA expiration impacts, IRMAA optimization, withdrawal sequencing, and Monte Carlo stress testing. One-time purchase. You own it.

The 1% AUM Problem

Do the Math:

$1,000,000 portfolio × 1% AUM = $10,000 per year

• Year 1: $10,000
• Year 5: $50,000+ (compounding portfolio growth)
• Year 10: $100,000+
• Year 20: $200,000+
• Retirement lifetime (30 years): $300,000 - $500,000

Half a million dollars. For what?

• Quarterly rebalancing? You can do that yourself.
• Annual Roth conversion analysis? Software can model it.
• Tax planning? You (or your $300/hour CPA) can handle it.
• Generic financial plan PDF? You need software, not a service.

What Advisors Actually Use (That You Can Own)

Advisors don’t have magic. They have software and frameworks.

Software: Planning tools that model retirement scenarios, tax strategies, and risk analysis Frameworks: Methodologies for withdrawal strategies, asset location, and tax optimization

You can get the software. You already understand the frameworks.

Fatboy Gives You Advisor-Level Tools:

✅ Monte Carlo Simulations - Stress test your plan across thousands of market scenarios ✅ Roth Conversion Modeling - Year-by-year tax impact analysis with IRMAA considerations ✅ Tax Optimization - Editable federal/state brackets, TCJA modeling, OBBBA planning ✅ Withdrawal Sequencing - Optimize which accounts to tap when for minimum lifetime taxes ✅ Breakpoint Analysis (Pro) - Find exactly where your plan fails under stress ✅ Professional Reports (Pro) - Generate advisor-quality PDFs for your records or CPA review

Advisors charge $10,000/year for access to these tools. You pay $149 once.

When You DON’T Need an Advisor

You probably don’t need an advisor if you:

✅ Understand the difference between Roth and Traditional accounts ✅ Know your risk tolerance and can stick to an allocation through downturns ✅ Can rebalance your portfolio annually without hand-holding ✅ Understand tax brackets and how Roth conversions work ✅ Want to make your own financial decisions (not outsource them) ✅ Are comfortable using desktop software to model scenarios

If you checked most of these boxes, you don’t need a $10,000/year service. You need a $149 tool.

When You MIGHT Need an Advisor

Consider hiring an advisor if you:

❌ Don’t understand investing basics and need education ❌ Can’t stick to a plan during market crashes without someone to talk you off the ledge ❌ Have complex estate planning needs (trusts, gifting strategies, business succession) ❌ Want someone else to make all financial decisions for you ❌ Have behavioral issues with money (overspending, gambling on individual stocks, panic selling)

Be honest with yourself. Most people with seven-figure portfolios don’t need these services.

The Hybrid Approach: Software + Hourly CPA

Instead of: $10,000/year to an AUM advisor forever

Consider:

• Fatboy Pro: $149 one-time for planning software
• Hourly CPA: $300-500 for annual tax strategy review
• Total year 1: ~$500-650
• Total ongoing: $300-500/year for CPA consultation

Savings vs 1% AUM advisor: $9,500/year → $285,000 over 30 years

You model the scenarios in Fatboy. Your CPA reviews the tax strategy once a year. You make the decisions.

What Sophisticated Planners Actually Need

You don’t need someone to pick your investments. You need software that can model:

1. Roth Conversion Strategies

• How much to convert each year without spiking IRMAA brackets
• TCJA expiration impact on optimal conversion timing (2026)
• State tax considerations if you’re planning a move
• RMD minimization through strategic conversions

2. Withdrawal Sequencing

• Which accounts to tap when (taxable vs tax-deferred vs Roth)
• Capital gains harvesting vs ordinary income withdrawals
• Social Security timing optimization (62 vs 67 vs 70)
• Pension vs lump sum analysis

3. Tax Optimization Across Decades

• Bracket management year-by-year through retirement
• IRMAA threshold optimization (avoid $2,000+ premium surcharges)
• State tax planning (retire in TX/FL/NV vs high-tax states)
• RMD impact at 75+ (and strategies to minimize)

4. Risk Analysis & Stress Testing

• Monte Carlo simulations: What if you retire into a bear market?
• Sequence of returns risk modeling (the “retirement red zone”)
• Breakpoint analysis: Where does your plan actually fail?
• Sensitivity testing: Which assumptions matter most?

Fatboy does all of this. No advisor required.

Real Scenarios Fatboy Handles (That Advisors Charge For)

Scenario 1: The Early Retirement Question Retire at 62 vs 65 vs 67. Model the cash flow, tax impact, and Social Security tradeoffs. See exactly what you give up by retiring early.

Scenario 2: The Roth Conversion Ladder Retire at 58, live on taxable accounts, convert $60k/year to Roth at low brackets until Social Security + RMDs start. Full tax impact analysis.

Scenario 3: The State Tax Arbitrage Compare retiring in California (9.3% state tax + estate tax) vs Texas (0% + 0%) vs Florida (0% + 0%). Lifetime tax savings: $200k+

Scenario 4: The “One More Year” Analysis Work one more year, save $80k more, delay Social Security. Is it worth it? Model the breakeven vs retiring now.

Scenario 5: The Mortgage Payoff Debate Pay off $300k mortgage at 3.5% vs invest the cash at expected 7% returns. Factor in tax deductions, sequence risk, and peace of mind.

Advisors charge $10,000/year to run these scenarios. Fatboy does it for $149 once.

See Professional-Grade Analysis in Action

Monte Carlo simulation showing distribution of outcomes - the same analysis advisors show you (and charge $10k/year for)

Risk assessment with color-coded success zones - know exactly where your plan stands

Pricing: Own the Tools, Skip the Fees

Free Version: Full retirement planning. 3 scenarios. Monte Carlo simulations. Core features unlocked. This isn’t a trial. It’s genuinely useful software you can use forever.

Pro Version - $149 (One-Time):

• Unlimited scenarios (compare dozens of strategies)
• Breakpoint analysis (find exactly where your plan fails)
• Advanced Monte Carlo controls
• Professional PDF reports (advisor-quality deliverables)
• Editable tax parameters (TCJA, OBBBA, state taxes)
• Sensitivity analysis (see which assumptions matter)
• All future updates included

No subscriptions. No AUM fees. You own it.

Compare: Advisor vs Fatboy

For Fee-Only Financial Planners

Are you a fee-only planner tired of SaaS pricing?

Fatboy Pro gives you:

• Professional PDF reports for client deliverables
• Unlimited client scenarios
• Editable tax parameters (handle any client’s state/situation)
• One-time purchase instead of $100-200/month software subscriptions
• Your client data stays on your machine (not in vendor cloud)

Use it for your own planning. Use it for client work. Own it forever.

System Requirements

Desktop application:

• Windows 10/11 (fully supported)
• Linux (beta available)
• macOS (coming soon)

Your data never leaves your computer. No cloud sync. No vendor harvesting your financial information.

Get Started

Buy Pro Version - $149 (One-Time)

Try the free version. Run a few retirement scenarios. See if the tools give you what you need. Upgrade to Pro when you want unlimited scenarios and professional reports.

No advisor fees. No subscriptions. Just professional planning tools you own.

Frequently Asked Questions

Q: Can this really replace a financial advisor? A: For sophisticated investors who understand financial planning basics - yes. If you need hand-holding or behavioral coaching, probably not.

Q: What if I have questions about my specific situation? A: Hire a fee-only CFP for a one-time consultation ($1,500-3,000). Get your questions answered. Use Fatboy for ongoing modeling. Still cheaper than one year of AUM fees.

Q: Does this pick my investments? A: No. This is planning software, not portfolio management. You decide your asset allocation. Fatboy models the outcomes.

Q: Can I generate reports to share with my CPA? A: Yes. Pro version creates professional PDF reports with full projections. Email them to your CPA for tax strategy review.

Q: What if I screw something up without an advisor watching? A: Fatboy shows you the tradeoffs and risks. You can run “what if I’m wrong” scenarios. Stress test your assumptions. Most mistakes people make are behavioral (panic selling), not modeling errors.

Q: Do I get support? A: Email support for technical issues. We can’t give you financial advice (not advisors), but we’ll help you use the software effectively.

Who This Is For

✅ Engineers, executives, and professionals with seven-figure portfolios who understand their finances ✅ DIY investors who want advisor-level tools without advisor fees ✅ Fee-only financial planners who need professional software without SaaS pricing ✅ Anyone planning Roth conversions and tired of paying $10k/year for the analysis ✅ Pre-retirees who want to model their own scenarios and make their own decisions

❌ People who need someone to tell them what to invest in ❌ Anyone looking for portfolio management or investment advice ❌ People who want someone else to make all financial decisions for them

Questions? Email: fbfinancialplanner@gmail.com

Stop paying $10,000/year for tools you can own for $149.