The idea revolves around creating a customizable retirement planning software that allows users to input their personal financial data and receive tailored retirement planning insights. This platform could mimic the features of existing tools like Bolden, which offers a free version of its retirement calculator. Entrepreneurs could enhance this software by incorporating algorithms that generate personalized analyses based on user inputs, such as spending goals, income sources, and risk tolerance. This software would be beneficial for individuals nearing retirement who seek a more nuanced understanding of their financial situation without the sales-driven approach of traditional financial advisors. Target users would include soon-to-be retirees looking for clarity in their financial planning and individuals who want to test various retirement scenarios without the pressure of engaging with a financial advisor. Specific strategies for implementation include developing a user-friendly interface, integrating educational resources, and offering upsell opportunities for premium features or one-on-one consultations.