Boldin vs Fidelity Planning & Guidance Center

Boldin is a financial planning platform for shaping a household plan around resources, goals, values, and priorities. Its Planner covers income and spending alongside Social Security, benefits, taxes, real estate, and other parts of household finances. Users can model alternatives, review projections, and stress-test plans with Monte Carlo analysis. Connected accounts use Plaid, MX, and Mastercard (Finicity) to update balances, but cost basis, allocations, and transactions need to be entered manually for an accurate plan. The free Basic plan includes 100+ inputs, two interactive explorers, 10+ charts, and up to five AI questions daily. PlannerPlus costs $144/yr after a 14-day trial and adds account linking, tax projections, multiple scenarios, and other tools. Boldin Advisors is listed at $3,200 flat fee. The service is available on Android, iOS, and web. Support options include classes, coaching, chat, a community, financial education, and CFP® professionals; trial users receive technical help but not coaching or step-by-step setup assistance.

Fidelity Planning & Guidance Center is a free web tool for reviewing retirement readiness, investment strategies, and possible next steps. Retirement Analysis lets users explore hypothetical scenarios based on current savings and estimated future contributions, while multiple independent financial goals can be created and monitored. The analysis uses historical returns, market volatility, and correlations to estimate potential retirement income. Fidelity says Probability of Success replaced the Fidelity Retirement Score as a holistic measure of financial plan strength and supports planning beyond retirement. Information may carry into other Fidelity tools, including Guided Portfolio Summary and Fidelity Income Strategy Evaluator. The tool may use financial details previously provided to Fidelity, a workplace plan sponsor, or a third party, so users should check them for accuracy. Its projections are hypothetical, do not represent actual investment results, and are not guarantees. The analysis is informational and nondiscretionary, not personalized advice. Generating a plan has no fee, though investment expenses and account transaction fees may still apply.