The decisions your clients actually lose money on
A career change, a relocation, a degree, a house, a retirement date — these move far more money than an allocation tweak, and almost nobody models them. PreSpectaMind lets you run them in the meeting and leave the client with something they understand.
Why advisors use it
Answer it in the meeting
Model a job change, a move, or an early-retirement date live instead of promising to run numbers later.
Side-by-side scenarios
Compare two or three futures on the same assumptions so the tradeoff is visible, not argued.
Assumptions you can defend
Every figure lists the assumption behind it — inflation, tax treatment, growth rate — so nothing is a black box.
A leave-behind that gets read
Export a clean summary the client can share with a spouse. Most decisions stall because the partner never saw the math.
Works before the engagement
Use it as a discovery tool with prospects. A concrete number turns a vague inquiry into a scheduled follow-up.
Beyond the portfolio
Career, relocation, housing, and education decisions move more money than allocation does — but rarely get modeled.
Questions you can answer on the spot
Should the client take the higher-paying job in a more expensive city?
Compare take-home pay after state tax and housing, not just the offer number.
Is the graduate degree worth the interruption?
Weigh tuition, debt service, and lost earning years against the projected salary lift.
Buy now or keep renting?
Model total cost of ownership against rent plus invested down payment.
Can they retire three years early?
See what the earlier date costs in lifetime terms and what would have to change to afford it.
One income or two after a baby?
Net the second income against childcare, taxes, and career-trajectory effects.
Practice questions
Is this advice?
No. PreSpectaMind is an analysis and education tool. It surfaces tradeoffs and states its assumptions; the recommendation stays with you.
Can I put my firm's branding on the output?
Custom branding and white-label output are available on organization plans.
Do my clients need accounts?
No. You can run scenarios in your own workspace and share the result. Clients only need an account if they want to keep exploring on their own.
How do you handle client data?
We do not sell data. You control what is entered, and reports live in your workspace.
Try it on a real client question
Bring the next decision a client is stuck on and run it. If it earns a place in your meetings, we will set up a branded workspace for your practice.