NewRetirement

What NewRetirement does

NewRetirement, Inc., doing business as Boldin, is a California-based financial technology company founded in 2015 by Stephen Chen that operates an AI-assisted, panoramic retirement planning platform serving individual consumers, financial advisors, employers, and financial institutions. Its core product, the Boldin Planner, ingests multi-dimensional personal financial inputs — taxes, Social Security, real estate, healthcare and long-term care costs, debt, pensions, annuities, and goals — and runs real-time calculations, what-if scenario modeling, and Monte Carlo analyses to produce continuously updated retirement projections. In 2024 the company layered a generative-AI assistant, Boldin AI, onto the planner, enabling users to query their own financial plan in plain language.

Boldin monetizes through tiered subscriptions (Planner and PlannerPlus) with a free trial, supplemental paid services including one-on-one coaching and access to a network of CERTIFIED FINANCIAL PLANNER® professionals via Boldin Advisors, and enterprise contracts with employers, plan providers, and financial institutions (with white-label and API-based delivery). The company's go-to-market blends product-led growth on the consumer side — anchored by an extensive content marketing engine spanning blog, podcast, classes, communities, and an active social presence — with field sales into enterprise channels. Its first major enterprise customer, Nationwide, also facilitated the company's Series A funding, and the firm has subsequently raised approximately $32.6 million in disclosed funding across multiple rounds, including a $20 million round led by Allegis Capital in March 2024. Boldin publicly targets $100 million in annual recurring revenue and serving 100 million people with retirement planning.

Name

NewRetirement

Legal name

NewRetirement, Inc.

Website

https://newretirement.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Boldin (d/b/a NewRetirement) is an AI-assisted retirement planning platform serving individual consumers, financial advisors, employers, and financial institutions through subscription software, coaching, and enterprise/white-label integrations.

Ownership category

akta.pro rank

Product category

Retirement Planning Software

NAICS

Computer Systems Design and Related Services (54151)

SIC

Investment Advice (6282), Services-Prepackaged Software (7372)

akta.pro primary industry

Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)

akta.pro secondary industries

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Retirement planning software
• Financial planning platform
• Monte Carlo retirement analysis
• Enterprise financial wellness
• AI retirement assistant

Headquarters

HQ city

Mill Valley

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Plans (Planner/PlannerPlus): The company offers subscription-based access to its retirement planning platform with tiered plans including a free trial option and premium PlannerPlus tier with additional features such as Monte Carlo analyses and premium insights.
2. Professional Services (Coaching & Advisory): Additional revenue streams include coaching sessions and access to CERTIFIED FINANCIAL PLANNER® professionals for personalized guidance and support.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Boldin operates a SaaS-based retirement and financial planning platform that enables users to build, monitor, and optimize comprehensive retirement plans using panoramic modeling across taxes, Social Security, real estate, healthcare costs, long-term care, and debt. The platform is augmented by an AI assistant (Boldin AI), Monte Carlo analyses, real-time monitoring, what-if scenario modeling, educational classes and communities, one-on-one coaching, and access to CERTIFIED FINANCIAL PLANNER® professionals, with separate enterprise offerings for employers, plan providers, and financial institutions.

Product overview

NewRetirement, Inc. d/b/a Boldin operates as a unified retirement planning platform combining a core software product (Boldin Planner) with AI-powered assistance, specialized calculators, and professional services. The platform enables both individual consumers and enterprise clients (employers, plan providers, financial institutions) to create and manage comprehensive retirement financial plans. The product portfolio includes the core Boldin Planner platform, the Boldin AI assistant for conversational planning, standalone calculators (Simple Retirement, Lifetime Annuity, Roth Conversion), professional services (Coaching, Financial Advisor), educational offerings (Classes, Communities), and a developer API for enterprise integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• Boldin Planner Primary DIY retirement and financial planning software platform that enables users to create, monitor, and optimize comprehensive retirement plans with real-time calculations across taxes, Social Security, healthcare, real estate, and other financial dimensions.
• Boldin AI Generative AI retirement planning assistant that lets users ask what-if questions in plain language and receive answers powered by their personal financial plan numbers and thousands of underlying calculations.
• Simple Retirement Calculator Free calculator that helps users determine how much they need for retirement, calculate net worth, estimate retirement timing, and project retirement income needs.
• Lifetime Annuity Calculator Calculator for evaluating lifetime annuity options and their impact on retirement income planning.
• Roth Conversion Calculator Calculator for analyzing Roth conversion strategies and their tax implications for retirement planning.
• Boldin Coaching One-on-one coaching sessions with Boldin experts to help users set up and optimize their retirement plans.
• Boldin Financial Advisor Access to CERTIFIED FINANCIAL PLANNER® professionals from Boldin Advisors for comprehensive guidance and retirement planning support.
• Boldin Enterprise Enterprise solutions for employers, plan providers, and financial institutions to offer retirement planning tools to their employees or clients, including white-label options.
• Boldin Developers API Developer API enabling third parties to integrate Boldin's retirement planning capabilities into their own applications and platforms, supporting white-label and embedded use cases.

Quantifiable outcome

• 2.7x higher financial performance for people who plan vs. those who don't
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Empower: Empower (formed via Empower Retirement's acquisition of Personal Capital) is the closest direct competitor: a hybrid retirement planning platform combining DIY tools with human advisors for mass-affluent consumers, mirroring Boldin's PLG + advisor strategy.
• MoneyGuidePro: MoneyGuidePro is a leading financial planning software used by advisors, with panoramic cash-flow, tax, and Monte Carlo planning comparable to Boldin's Planner product on the professional side of Boldin's business.
• RightCapital: RightCapital provides advisor-facing financial planning software with goals-based, tax-aware, and Monte Carlo projections, directly overlapping Boldin's advisor and enterprise offerings.
• eMoney Advisor: eMoney Advisor is a comprehensive financial planning platform for financial professionals, offering aggregated planning, scenario analysis, and client portals — competing with Boldin's professional/advisor channel.
• Monarch Money: Monarch Money is a subscription-based consumer financial planning and budgeting platform targeting the same DIY, mass-affluent segment as Boldin Planner with collaborative household planning.
• Rocket Money: Rocket Money (formerly Truebill, owned by Rocket Companies) is a subscription personal finance app with budgeting, subscription management, and financial planning features, competing for the same DIY consumer wallet as Boldin.
• SmartAsset: SmartAsset operates a content-driven financial planning marketplace with calculators, retirement readiness tools, and an advisor match service — overlapping Boldin's content, planning tools, and advisor-matching motions.

Broad incumbents

• New York Life (MainStay/Retirement Solutions): New York Life is a broad incumbent insurer and retirement provider offering holistic retirement income and planning tools at enterprise scale, analogous to Nationwide as both a competitor and potential enterprise partner.
• Fidelity Investments: Fidelity offers free retirement planning tools, guidance, and managed account services integrated with its recordkeeping platform — a broad incumbent competing across Boldin's consumer, advisor, and enterprise channels.
• Northwestern Mutual: Northwestern Mutual combines financial planning software with a national advisor force, and participated in Boldin's 2024 round through Northwestern Mutual Future Ventures — both a competitive incumbent and a strategic ecosystem participant.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@boldinofficial
• Facebookfacebook.com/newretirement
• LinkedInlinkedin.com/company/boldinmoney
• Instagraminstagram.com/boldin.money
• Xx.com/NewRetirement

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds5 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NewRetirement