The Problem
Challenges retirees face with their finances
- Retirement assets are spread across IRA, 401k rollover, brokerage, and Social Security — no unified view
- Tracking whether your withdrawal rate is sustainable requires manual calculations
- Asset allocation drifts in retirement but you only notice during annual advisor meetings
- Dividend and interest income arrives from multiple accounts with no consolidated income view
- Tax-efficient withdrawal sequencing across Roth, traditional, and taxable is hard to monitor
How Clarity Helps
Specific solutions for retirees
Problem: Fragmented retirement accounts
Connect IRA, 401k, Roth, brokerage, and bank accounts. See total retirement portfolio and net worth in one dashboard.
Problem: Withdrawal rate uncertainty
Track spending against portfolio value. See how your current spending rate compares to your total invested assets.
Problem: Allocation drift
Portfolio analytics show current asset allocation across all accounts — spot drift from your target without waiting for an advisor meeting.
Problem: Scattered income
See all income — dividends, interest, Social Security deposits — across every account in one consolidated view.
Key Features
Retirement Dashboard
Total portfolio value across IRA, 401k, Roth, taxable, and bank accounts.
Income Monitoring
Track dividends, interest, and Social Security deposits across all accounts.
Asset Allocation
See stock/bond/cash allocation across all retirement accounts combined.
Net Worth Tracking
Daily snapshots of total net worth. See long-term trajectory in retirement.
Real-World Use Cases
See total retirement portfolio across Vanguard IRA, Fidelity 401k rollover, and Schwab taxable account
Monitor monthly income from dividends, interest, and Social Security in one view
Check if stock/bond allocation has drifted from your 60/40 target without calling your advisor
Track net worth trajectory year over year in retirement
Best entry points in Clarity
Start with the surfaces that best match this use case, then connect them back to your actual accounts, holdings, and planning decisions.
Best-fit workflows
Start with these tools
“In retirement, I need to see everything — IRA, Social Security, and our taxable accounts — in one place. Clarity gives me that without the complexity of institutional tools.”
Barbara & Richard L.
Retired, 5 years
Frequently Asked Questions
Can Clarity connect to my IRA and 401k?
Yes. Clarity connects to most IRA custodians and 401k providers through Plaid including Vanguard, Fidelity, Schwab, and T. Rowe Price.
Does Clarity calculate my withdrawal rate?
Clarity tracks your spending and your portfolio value. By comparing annual spending to total portfolio, you can monitor your effective withdrawal rate.
Can I see income from Social Security?
Social Security deposits that appear in your connected bank account are captured and categorized as income in your transaction feed.
Is Clarity simple enough for someone who isn't tech-savvy?
Yes. Clarity's dashboard is designed to be clean and intuitive. Connect your accounts and the dashboard populates automatically — no manual data entry required.