Advanced Retirement Planning
Clarity is a white-label retirement planning platform powered by the Smile Algorithm Engine built for brokerages and 401(k) providers who want to give clients something better than a number.
The Problem
Middle and upper-income Americans have substantial savings and almost no tools that tell them whether those savings will last. Their platforms show balances. Their calculators assume static withdrawals. Their advisors are gated behind fees they can't justify.
The largest wealth transfer in history is underway and the tools serving this cohort were designed for accumulation not for the decade when it all matters most.
85% of those assets belong to self-directed investors who lack access to fiduciary-grade retirement income modeling. They don't know what they don't know.
Brokerages and 401(k) providers have engagement problems. Members log in for balances, not planning. The tools to change that simply don't exist until now.
The Retirement Smile
Active, traveling, spending more this is what retirement is for. A flat withdrawal rate ignores the reality that this is the most expensive phase of retirement life.
Activity naturally scales back. Spending stabilizes or dips in real terms. Most models never account for this they keep inflating a flat line that no real retiree follows.
Healthcare may rise, but discretionary spending typically falls significantly. The Smile Engine models this curve, not a rule of thumb applied to an average.
The Retirement Smile Curve
Clarity models dynamic withdrawals against every historical return sequence since 1926 not a static rule applied to an average.
The Smile Algorithm Engine
The SAE is a rules-based framework that integrates historical portfolio performance, withdrawal guardrails and evolving spending needs. It runs every scenario not averages.
Models portfolio survival across every market start year since 1926 real sequence-of-returns data, not Monte Carlo averages. Zero failures across all historical periods.
Stacks Social Security, pension, RMDs, dividends and portfolio withdrawals showing the complete real income picture by age, not a single withdrawal line.
Independently models price return and dividend yield more accurate and transparent than single total-return calculators that hide the difference.
Every spending and income line adjusts dynamically no static assumptions hidden in the model. The curve bends when life does.
Market Opportunity
Platform differentiation: Brokerages and 401(k) providers have engagement problems. Members log in for balances, not planning. Clarity changes what they log in for.
Retention economics: Planning tools are a high-ROI investment. Replacing a client costs $400–800/year. A tool that makes clients feel understood keeps them.
Regulatory tailwinds: Fiduciary expectations and SECURE 2.0 are actively driving demand for better retirement income solutions across the industry.
No consumer acquisition cost: White-label B2B2C means Clarity rides distribution already built. Zero cold-start problem.
Get in Touch
Clarity is actively seeking platform partners and investor conversations. Reach out directly to Chip Umsted, founder of Unsalaried.