Velira vs Boldin
Boldin (formerly NewRetirement) is a respected retirement-planning platform. It centers on a detailed, do-it-yourself retirement planner — long-horizon projections, withdrawal and Roth-conversion modeling, Social Security timing, and scenario building you can tune yourself. If you want to deeply model your retirement plan, it is one of the most thorough self-serve tools available.
Velira overlaps with Boldin on the question 'will my plan hold?' but answers a broader, more day-to-day one. It is a read-only decision-support app for people whose money is complicated — investments alongside business equity, illiquid stakes, earnouts, and private notes — that tells you the move your plan calls for each day, grounded in survival math, with an auditable rule trace. It never executes a trade.
The distinction: Boldin is a powerful planning calculator you operate. Velira is a daily engine that watches your real, connected balance sheet and tells you what to do now — with confirmed money kept strictly separate from contingent upside.
| Capability | Velira | Boldin |
|---|---|---|
| Core job | A daily decision engine — tells you the move your plan calls for today, grounded in survival math. | A detailed retirement-planning calculator for modeling long-horizon scenarios. |
| Time horizon | Both long-horizon survival projection AND the day-to-day 'what do I do now?' decision. | Primarily long-horizon retirement modeling and scenario planning. |
| Account aggregation | Read-only links through Plaid and SnapTrade keep your real positions as the live input; never moves money. | Supports account linking and manual inputs to build out the plan. |
| Withdrawal / sequence-of-returns | Survival / funded-ratio engine sizes a sustainable draw and stress-tests sequence risk against your honest floor. | Models withdrawal strategies, Roth conversions, and sequence-of-returns within the planner. |
| Complex & illiquid assets | First-class: business equity, private stakes, earnouts, and private notes are modeled directly. | Comprehensive inputs for retirement assets, income, and expenses; assets entered into the plan. |
| Confirmed vs. contingent money | Two-ledger discipline: a confirmed 'honest floor' kept strictly separate from a contingent 'potential total'. | Lets you model optimistic, pessimistic, and average scenarios within the planner. |
| Auditability | Every recommendation carries a 'Why' view — the inputs, engine version, and rules that fired. | Transparent assumptions you set and adjust yourself in the planner. |
| AI guidance | Ask Velira, an AI coach reasoning over your full balance sheet inside read-only, rule-traced guardrails. | Self-directed planning; classes and live Q&A come with the paid planner subscription, and a flat-fee CFP plan review is offered as a separate one-time engagement. |
| Onboarding | Optional white-glove onboarding to configure complex assets and the plan correctly from the start. | Self-serve planner setup, with classes and coaching available on the paid subscription. |
Who Velira is for
Velira is for people with complex, affluent balance sheets who want more than a planning calculator they have to drive — a daily engine that watches their real, connected accounts and tells them the move their plan calls for, with the reasoning shown.
It is especially suited to founders and operators whose wealth includes business equity, concentrated positions, earnouts, private notes, or illiquid stakes — situations where keeping confirmed money separate from contingent upside is the whole game, not a footnote.
Where Boldin may fit better
If your central need is to deeply model a retirement plan yourself — running detailed withdrawal, Roth-conversion, and Social Security scenarios over decades, and tuning every assumption by hand — Boldin's planner is purpose-built for that and may be the better fit.
Boldin is also a strong choice if you mainly want a comprehensive DIY retirement calculator rather than a daily decision engine over a complex, multi-asset balance sheet. Velira and Boldin can even be complementary: use Boldin to stress-test the long-horizon retirement model, and Velira for the day-to-day decisions on confirmed versus contingent money. Pick the tool that matches the job you have today.
See Velira on your own numbers
Velira is read-only by architecture and never executes a trade — it tells you the move your plan calls for, and you place it. It is decision-support, not financial advice.