Comprehensive Retirement Planning Software

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Comprehensive Retirement Planning Software

Inspired by a conversation on:

Big Picture Retirement®

Big Picture Retirement®

The Great Retirement Plan Illusion

Host: Devin Carroll, CFP® & John Ross, JD

Timestamp: 08:47 - 09:14

Listen to Episode • View Podcast • All Ideas from Big Picture Retirement®

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Feather Flow

Direct Quote

"Now let's move on to seeing if they can put another $50,000 in this municipal bond."

Market Gap

Many retirement plans lack true strategic depth.

Individuals often believe they have a comprehensive retirement plan, yet many plans are merely software-driven outputs lacking real strategic depth. Clients may receive reports generated by financial planning software that fail to address long-term implications and nuances of their financial situations. As a result, retirees may overlook critical elements in their planning, leading to potentially costly mistakes in their retirement strategy. This problem is especially prevalent among clients of larger firms, where advisors may prioritize sales over comprehensive planning.

Summary

A business opportunity exists to develop a comprehensive retirement planning software that goes beyond generic outputs. This software would provide a deeper analysis of clients' financial situations, integrating variables like taxes, investment strategies, and future income needs. Unlike existing solutions that offer surface-level planning, this tool would facilitate continuous updates and adapt to clients' changing circumstances, ensuring that retirees have a truly actionable and personalized plan. Target users include financial advisors seeking advanced tools and individuals looking for thorough retirement planning solutions.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
> $10,000

Potential MRR (18-24 months)

Conservative
$5,000 - $10,000 MRR
Moderate (Most Likely)
$15,000 - $30,000 MRR
Optimistic
$40,000 - $70,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
6/10
Market Potential
8/10
Evidence
7/10
Overall
7/10
Found on October 6, 2025 • Analyzed on October 6, 2023 10:09 AM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your high difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 6-12 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available > $10,000
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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