Financial Planning
For Everyone
Our platform empowers individual investors to achieve their financial goals—whether you're planning independently or working with an advisor.
Start with the full experience
Multi-goal Platform
Complete end-to-end investment goal management workflow from goal creation through execution and monitoring
Goal Management
Create and manage financial goals with advanced forecasting
Create Goals
Add, edit, and manage multiple goals with different goal types. Select from single goals, retirement planning, loans, or emergency savings—form fields dynamically adapt based on your selection to show only relevant inputs.
- •Multiple goal types (Single, Retirement, Loan, Emergency)
- •Dynamic form fields based on goal type
- •Customizable parameters per goal type
- •Goal-specific configuration options
- •Account type and tax settings
Create New Goal
Goal Dashboard
View all your financial goals in one place with status indicators, key metrics, and progress tracking for each goal type.
- •Status indicators (Underfunded/Moderately Funded/On Track)
- •Funding ratios for investment goals
- •Success probabilities for retirement planning
- •Emergency fund coverage (months)
- •Debt urgency alerts with APR
- •Time horizons and planning periods
- •After-tax wealth projections
- •Color-coded progress bars
My Goals
4 Active GoalsHousing
(Single Goal)$0 / $100,000
Funding Ratio: 43.5% | After-tax: $43,550
Horizon: 10 years | Planning: 11 years
Annual: $4,000
Retirement
(Retirement)Current: $180,000 | Age: 45 → 65
Essential: $58,394/year | Freedom: $15,522/year
Avg Income: $62,160/year
Horizon: 20 years | Planning: 46 years
Annual: $6,000
Emergency Fund
(Emergency Fund)$35,000 / $42,000
Coverage: 5 months / Target: 6 months
Moderately Funded
You have 5 months of emergency coverage. Consider building to 6 months for better security.
Credit Card
(Debt)Balance: $4,000 | APR: 22%
Min Payment: $1,000 | Urgent
High Interest
This is a high-interest debt. Prioritize paying it off quickly to minimize interest costs.
Goal Forecasting
Advanced Monte Carlo forecasting for retirement goals. View income and wealth projections across different percentiles (30th, 50th, 70th) and compare against essential and total income targets. Analyze success probability and key retirement metrics.
- •Monte Carlo simulations with percentile analysis
- •Success probability tracking
- •Income vs. wealth projections
- •Essential and total target comparisons
- •Planning horizon and retirement wealth metrics
- •Average retirement income projections
Retirement Goal Forecast
Goal Prioritization
Intelligent prioritization and automated monthly surplus allocation
Goal Prioritization & Contribution Allocation
Intelligent prioritization and monthly surplus allocation across all goals. The system automatically optimizes goal priorities and allocates resources efficiently with transparent rationale.
- •Priority scoring
- •Monthly allocation
- •Debt vs investment allocation preferences
Goal Prioritization
Goal Investment
Create investment strategies as extra assets to fund the goal liability gaps
Investment Strategy Dashboard
Create and manage investment strategies through a unified dashboard. Set up new investment accounts and resolve funding gaps by completing three steps: 📊 LDI glidepath allocation, 🎯 portfolio construction, and 💰 fund selection.
- •Unified dashboard for strategy creation and editing
- •LDI glidepath for age-based allocation
- •Diversified portfolio construction
- •Intelligent fund selection
- •Goal-linked strategies
Investment Strategy Dashboard
Step 1: LDI Glidepath
Get personalized age-based equity/bond allocation recommendations using liability-driven investment methodology. The glidepath provides optimal asset allocation that adapts to your age and retirement timeline.
Step 2: Portfolio Construction
Build a diversified portfolio based on the equity/bond allocation from the LDI glidepath at your current age. The system uses advanced methods like Bayesian shrinkage to optimize portfolio construction and risk management.
Step 3: Fund Selection
Select index funds for each asset class to construct a tradeable portfolio. Personalize the weights for each factor used in fund selection, including cost, liquidity, and tracking accuracy.
Goal Execution
Integrate with custodian accounts, set up account information, and execute trades to implement your investment strategy
Account Setup & Trading Execution
After setting up your investment strategy, integrate with custodian accounts to execute trades. Set up account information, connect with your brokerage or custodian, and execute the trading plan. The system handles account integration, order placement, and provides real-time execution tracking with complete recordkeeping.
- •Custodian account integration
- •Account information setup
- •Trade execution and order placement
- •Real-time execution tracking
- •Complete audit trail and recordkeeping
Account Execution
Ready to Transform Your Financial Planning?
See how kernsysteme can help you achieve all your financial goals