Question 1

Does Plan With Clarity require linking my bank accounts?

Accepted Answer

No. Plan With Clarity is privacy-first by design. You enter your portfolio information manually, and your data never leaves your device unless you explicitly enable cloud sync. We do not connect to bank accounts, brokerages, or financial institutions.

Question 2

How is Plan With Clarity different from other retirement planning tools?

Accepted Answer

Plan With Clarity was built by a retiree who needed honest math, not advisor sales pitches. The tool uses Monte Carlo simulation, historical backtesting, and Guyton-Klinger guardrails to stress-test retirement plans without requiring you to share your personal financial data with brokerages or advisors. The free tier provides core planning capabilities at no cost.

Question 3

What does Plan With Clarity Premium cost?

Accepted Answer

Plan With Clarity Premium is $9.99 per month or $99 per year. The free tier includes core retirement planning features. Premium adds advanced features including AI-powered plan synopsis, Monte Carlo stress testing, withdrawal strategy optimization, and historical backtesting.

Question 4

What is Monte Carlo simulation in retirement planning?

Accepted Answer

Monte Carlo simulation runs thousands of randomized scenarios of future portfolio returns to estimate the probability that a retirement plan will succeed. Plan With Clarity runs 10,000 simulations using your actual portfolio inputs, expected return, and volatility to give you an honest success rate rather than a single deterministic projection.

Question 5

What are Guyton-Klinger guardrails?

Accepted Answer

Guyton-Klinger guardrails are a dynamic spending strategy where retirees adjust withdrawals based on portfolio performance. When markets perform well, spending can increase; when markets underperform, spending decreases temporarily. This approach typically improves plan success rates by 5 to 10 percent compared to fixed withdrawal strategies.