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Planning tools

Career, estate & financial advice

When the honest answer is “it depends,” these decision tools make the tradeoffs visible. Answer a focused set of questions, compare ranked options, and see the reasoning behind each recommendation.

Choose a planning tool

10 tools for this part of life.

All planning categories

High School Career Direction Advisor

Turn classes, strengths, school runway, and real-world exposure into major and career-path directions before narrowing too early.

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Career Path Advisor

Rank first-career paths by fit for your stage, major or training, goals, strengths, work style, timeline, and entry odds.

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College Type Advisor: Build a Smarter List

Ranks the kinds of schools that fit your grades, budget, and goals — from in-state flagship to community-college transfer to trade apprenticeship — as reach, match, and likely.

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Financial Help Advisor: What Kind Do You Need?

Rank 13 kinds of financial help — from a robo-advisor to a flat-fee planner to a CPA — by fit for your assets, needs, and DIY comfort.

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Debt Payoff Method Advisor

Answer a few questions and get a ranked shortlist of payoff approaches — avalanche, snowball, consolidation, a balance transfer, or a nonprofit managed plan — matched to your balances, rates, and psychology.

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Retirement Savings Priority Advisor

Answer a few questions about your accounts and situation and get a suggested order for where your next savings dollar should go — match, debt, HSA, Roth, and beyond, ranked for you.

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Social Security Claiming Age Advisor

Get a ranked shortlist of claiming strategies — 62, full retirement age, delay to 70, couple coordination, and more — matched to your health, work, and household.

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Medicare Path Advisor: Medigap vs. Advantage

Answer a few questions about your health, doctors, travel, and budget to get a ranked shortlist of Medicare paths — from Original Medicare with a Medigap plan to Medicare Advantage — with your enrollment window flagged.

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Estate Structures Advisor: What to Ask an Attorney

Rank the estate structures worth discussing with an attorney — from wills and living trusts to POAs and specialized trusts — for your situation.

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Term Life Insurance Advisor

Get the life-insurance approaches — 20/30-year term, a ladder, an employer top-up, or self-insuring — ranked and explained for who depends on your income and what you've already saved.

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Guides for career, estate & advice

Worked examples connected to tools you can open and edit.

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