Financial Planning
The Create Financial Plan tool turns your data into a full, versioned financial plan — projections, probabilities, and a concrete action list — and keeps it alive as your life changes.
Create your plan
- Get your data in shape The plan reads your Financial Statements, Fact Finder, and connected accounts. You don't need 100% completion, but more data means fewer assumptions.
- Open Create Financial Plan Tools → Create Financial Plan. Review your Goals & Preferences — retirement age, risk tolerance, priorities.
- Generate Kick off generation and the AI assembles a complete plan: projections, simulations, and recommendations. This creates version 1; every regeneration is saved to Plan History.
- Explore the dashboard The finished plan opens a multi-section dashboard — each section below.
The plan dashboard
A generated plan is organized into sections you can jump between:
| Section | Question it answers |
|---|---|
| Dashboard | The headline view — where you stand and the plan's key results at a glance. |
| Net Worth | What do you own and owe, and how does it grow over time? |
| Cash Flow | What comes in, what goes out, and what's left to save? |
| Monte Carlo | What's the probability your money lasts? |
| Retirement | When can you retire and what will it look like year by year? |
| Action Plan | What should you actually do next? |
| Scenarios | How do alternative choices compare? |
| Stress Test | What happens when life goes sideways? |
Net Worth
A balance-sheet view built from your Financial Statements: assets and liabilities itemized side by side, your current net worth, and a projection of how it evolves under the plan's assumptions.
Cash Flow
Bar charts of income versus expenses over time, showing your savings capacity — the fuel for every goal in the plan. Shortfall years stand out immediately.
Monte Carlo simulation
Instead of assuming the market returns a tidy average every year, the plan runs your financial life through thousands of simulated market histories — booms, busts, and everything between — and reports the percentage of runs where your money lasts.
- The headline is your success probability (e.g. “87% of simulations end with money remaining”).
- The fan chart shows the range of outcomes — median path plus optimistic and pessimistic bands.
- Changing assumptions (retire later, save more, spend less) reruns the simulation so you can watch the probability move.
Retirement
A year-by-year retirement timeline: accumulation while you work, then withdrawals in retirement, with portfolio balance projected across the whole arc. It reflects your target retirement age from the Fact Finder and shows how income sources (savings withdrawals, other income) cover your retirement expenses.
Action Plan
The plan ends in concrete, prioritized recommendations — the specific moves that most improve your outcome: adjust savings rate, rebalance, pay down a liability, review coverage. Treat it as your to-do list; regenerate the plan after completing items to see the effect.
Scenarios
Compare alternative versions of your future side by side — retiring at 62 vs 67, buying the vacation home or not. Each scenario reruns the projections so you compare end states, not guesses. Scenario comparison views highlight where the paths diverge.
Stress Test
The stress test throws adverse lifecycle events at your plan — a market crash, a job loss, unexpected expenses, disability — and shows how your success probability holds up. Danger zones flag the years where your plan is most fragile, so you know where insurance, cash reserves, or plan changes matter most.
Assumptions
Every projection rests on assumptions — returns, inflation, salary growth. The Assumptions editor exposes them so you (or your advisor) can adjust and instantly see the sensitivity. If you disagree with a default, change it rather than distrusting the plan.
Plan History & version comparison
- Every generation is a saved version with a timestamp — nothing is overwritten.
- Compare Versions puts two plans side by side: what changed in your data, and what it did to your outcomes.
- This makes annual reviews concrete: “since last year, your success probability moved from 78% to 85% — here's why.”
What-If Scenarios (What-If Magic)
Tools → What-If Scenarios is the fast, conversational cousin of the Scenarios section — model a single life change without regenerating the whole plan:
- “What if we have another child in 2028?”
- “What if I take a job paying $20k more but with no 401(k) match?”
- “What if we sell the rental property?”
Pose the question (or use Propose a Question for inspiration), and Veru365 projects the change against your baseline. Ask it right in chat, too — the assistant opens the What-If panel with your question pre-loaded.
Meet a human advisor
AI planning doesn't replace your advisor — it prepares you for them. Tools → Schedule an Appointment books time with an advisor at your firm; your plan, statements, and conversation history give them a running start. Firms can also publish a public booking page for prospects (see chapter 6).