Wow, thanks so much for taking so much time to leave such detailed feedback! I'd love to chat more in real-time if you're willing. You can reach me at my hn use

Wow, thanks so much for taking so much time to leave such detailed feedback! I'd love to chat more in real-time if you're willing. You can reach me at my hn username at livefortunately.com to schedule some time that works for you if you're interested. Some selected responses. | 1. Help estimate life insurance needs for folks. Yes! This is completely on vision and part of why we founded the company (my co-founder is an actuary). We have plans to do a gap-analysis style life insurance recommendations - your needs decrease as your savings grow. He's written on right-sizing your insurance (though income replacement style) at the white coat investor [0]. | Have you used Financial Engines at all? Yes! I actually worked (indirectly) with Bill Sharpe early in my career, and one of the founders of FE is an advisor of ours. | Is it Monte-Carlo based? If it's MC, then what data is generated and how? Yes. We license our simulations from the same place that many hedge funds and the insurance industry get theirs. It's the best in the business. | Look at how Open Social Security handles it. There is a year and a reduction percentage. He fills in defaults from the Social Security Trustee report, since they are required to estimate it based on current law I didn't know. Thank you, this is super helpful and informative. | Open Social Security uses five different mortality tables... Forced early retirement. Yes! This is also part of the core product vision. It's just a bit tricky in practice to communicate in the product, so we haven't incorporated it into the product yet. Will check out Open Social Security. It seems like you really understand our vision. Again, I'd love to chat in real-time if you're willing - you have a lot of wonderful insight and I'd appreciate being able to discuss some of these things in more detail. [0] https://www.whitecoatinvestor.com/layering-life-insurance-policies/ https://www.whitecoatinvestor.com/layering-life-insurance-po...