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Product

NestPilot — Your Decision Copilot

Your Decision Copilot. A math-backed, transparent retirement-decision platform that shows you the reasoning, not just the answer.

What it does

NestPilot is a continuous retirement-planning workspace that connects Medicare, Social Security, IRMAA, Roth conversions, withdrawal sequencing, and stress-testing into a single inspectable model. Change one assumption — say, your Social Security claiming age — and the entire downstream view updates immediately, with every step open to inspection.

The four moves

  1. Build a plan. Enter your accounts, income streams, goals, and household structure. We capture the structure; we do not tell you what to invest in.
  2. See the math, year by year. Forecast plays out every assumption over your full retirement horizon. Every line item is inspectable.
  3. Run real decisions. Dedicated workspaces for the high-stakes decisions: Medicare enrollment timing, Social Security claiming age, Roth conversion strategy, retirement-age viability, and continuous stress-testing.
  4. Verify, monitor, decide. Use NestPilot as a second-opinion tool when an advisor recommends a product, a deadline approaches, or markets shift. Continuous monitoring beats one-time calculation.

Who it's for

  • Pre-retirees (55–70) navigating the dense middle band of retirement decisions — see /product and thefree Foundation tools.
  • CPA firms extending into retirement planning — see /for-cpas.
  • RIAs and advisors using multiplayer mode — see /for-advisors.

What you can verify

  • Medicare Part A / B / D enrollment windows and late-enrollment penalties
  • Social Security claiming-age tradeoffs (62 / 67 / 70) and break-even math
  • IRMAA brackets and how withdrawals interact with thresholds
  • Roth conversion sequencing across the gap-year window
  • Tax-efficient withdrawal across Traditional, Roth, and Taxable accounts
  • Retirement-age viability under stress (markets, longevity, healthcare cost)

What you do not do here

  • Trade securities. NestPilot is not a brokerage.
  • Select funds or asset allocations. We capture the structure of your plan, not investment selection.
  • Buy financial products. No annuity sales, no insurance referrals, no AUM hooks.

Pricing

See /pricing for tiers. Free at the bottom; talk to sales for CPA Bridge and advisor partnerships.

Open the App

Ready to try it? Open the planning workspace. No credit card required for the free tier.

Wave-2 deepening: this overview will split into audience-specific deep pages for CPAs (FEAT-0164), pricing (FEAT-0165), and advisors (FEAT-0166).