Free tools from illuminatedadvisors to help you make smarter financial decisions.
Are you actually on track — or just hoping? Get your personalized readiness score in 60 seconds.
A Roth conversion could save you six figures in taxes — or cost you. See your numbers before you decide.
Claiming at the wrong age could cost you $100,000+. Find your optimal strategy in minutes.
The IRS won't remind you — and the penalty is 25%. Project your Required Minimum Distributions now.
Most people misunderstand how brackets work. See exactly where every dollar of your income is taxed.
See how compound interest turns small, consistent contributions into serious wealth over time.
At 3% inflation, your purchasing power drops nearly in half over 20 years. See the real number you need.
Will your money outlast you — or will you outlast your money? Find your answer in under 2 minutes.
If you're not maxing out your 401(k), you could be leaving free money and tax savings on the table.
This decision is irreversible and worth hundreds of thousands. Run the numbers before you choose.
The $13.6M exemption sunsets soon. Model gifting strategies now before the window closes.
Your kids can borrow for college — you can't borrow for retirement. See how to fund both.
Pay off debt or invest the difference? The math might surprise you. See the side-by-side comparison.
IRMAA surcharges can triple your Medicare premiums. Find out if your income puts you at risk.
Tax drag silently eats your returns every year. See how much tax-deferred growth could save you.
Waiting just 5 years to start saving could cost you six figures. See the real price of procrastination.
Every retirement plan hinges on one number: how long you'll live. Get a personalized estimate.
Your tax-deferred savings have a hidden price tag. Uncover what your retirement will actually cost in taxes.
Where is gold headed — and how does it stack up against the dollar's decline? See the projections.
Silver is the most undervalued precious metal. Project future prices with live ratio analysis.
The SECURE Act changed everything. Model 10-year distribution strategies to minimize your tax hit.
High income? A backdoor Roth could be your best tax-free growth strategy. See if it works for you.
Employer stock in your 401(k)? NUA could save you tens of thousands in taxes. Run the comparison.
Most people confuse marginal and effective rates. See exactly how your income flows through each bracket.
Project your tax brackets into retirement and find the optimal years for Roth conversions and income planning.
Estimate your federal pension with High-3 projection, COLA adjustments, FERS Supplement, and survivor benefit options.
Model your TSP accumulation and withdrawal strategy — see if your savings will last through retirement.
Compare FEHB-only vs. FEHB + Medicare to find the healthcare strategy that saves you the most in retirement.
See if your federal benefits — pension, TSP, and Social Security — will cover your retirement income needs.
Complete federal retirement planning — pension, TSP, healthcare, and gap analysis in one comprehensive tool.