Planner example

Maya Chen, CFP®. Advisor desk.

Fee-only fiduciary running an independent RIA from Denver. 34 clients across pre-retirees, Nomad-track creators, and couples nearing aging-in-place. Maya uses Forecast4 Desk to run the same audited engine across every household she serves — one plan language, one compliance trail, one review cadence.

Firm Altitude Financial · CO Book 34 households · $142M AUA Desk level L3 · Connected Review cadence Quarterly
Book overview
Maya's Desk opens to aggregate view. Drill into any plan in one click.
Year 2026 · Refreshed today
Plans under management
34
28 Household · 6 Nomad · unlimited on Desk L3
All refreshed
Median MC success
89%
1,000 paths per plan · 8 plans above 94%, 3 below 80%
Plans in review queue
3
Connected-balance updates pending advisor sign-off
Action needed
Plans this quarter
11
Quarterly reviews scheduled · 4 complete · 7 upcoming
Recent client plans
Four of Maya's 34 plans. Same engine, same tile vocabulary, one book.
Alex & Jordan Richardson
Household
Ages 58 & 55 · New York → Florida · retire 2031 / 2033 · 30-year horizon
Starting wealth$1.74M
Floor distance+$1.32M
SS combined$82.8K/yr
Late-care buffer$400K
94%
Reviewed Mar 14
Sam & River Ishida-Moore
Nomad
Ages 52 & 50 · Portland base · 5-country rotation 2034–2043 · Naples landing
Starting wealth$2.28M
Rotation savings~$180K
SS combined$70.5K/yr
Home equity$1.10M
91%
Reviewed Mar 22
Diane Hartley
Household Needs attention
Age 61 · single · Boulder, CO · retire 2028 · caring for mother
Starting wealth$920K
Floor distance+$85K
SS claim age70
Care obligation$3.2K/mo
76%
Reviewed Apr 02
Theo Okafor
Nomad
Age 38 · solo creator · Brooklyn base · Mexico City + Lisbon rotation · Coast-FIRE by 50 · variable SE income, quarterly SECA review cadence, D8 visa expiry flagged 2029
Starting wealth$410K
Coast-FIRE target$780K
Current burn$58K/yr
Tax regimePortugal NHR
88%
Reviewed Apr 08
Built for a practice, not a single plan
What Desk adds on top of the engine every client sees.
⚡
Unlimited client plans
One Desk seat, every plan Maya runs. No per-plan fee, no per-household surcharge. The engine is the product.
🔄
Connected-balance review queue
Auto-refreshed positions land in a review queue. Maya signs off before they hit the plan — provenance chip carries through to the client view.
📋
Quarterly review cadence
Every plan has a review clock. Maya's desk surfaces the quarterly queue and flags plans whose MC drops more than 5 points between reviews.
🔗
Read-only client share
Each client gets a mobile-friendly read-only link to their current plan. No client-portal app to install, no onboarding friction. Snapshot + history always in sync.
📄
Auditable exports
Every plan exports to a full Reconciliation PDF showing the engine's row-level math — ready for compliance, co-counsel, or a client meeting.
🧩
Same tiles. Both shells.
Household and Nomad clients read identical dashboards. Maya's vocabulary doesn't change between meetings; clients transfer comprehension as life patterns shift.
Fiduciary-friendly by design
What the Desk preserves for the file.
Audit trail
Every assumption
Plan changes are versioned. Rebuild any prior quarter's plan in one click.
Provenance
Source of every number
Manual, connected, or inherited — every field carries its origin chip.
Reconciliation
Tie-out to the penny
Beginning balance → growth → draws → spend → end balance. No black box.
Client share
Read-only, revocable
Mobile-friendly link per plan. No install, no account required for the client.
Run your practice on the same engine your clients read

Desk seats start at $399/yr (introductory). Unlimited client plans per seat. Add connected balances, AI explanation, and white-label client share as you grow.

See desk plans Individual pricing

Persona, firm, clients, and dollar figures are illustrative only. Not a recommendation. Forecast4 is a planning tool, not investment advice.