Retirement isn't a question of whether. It's a question of how.
Most retirement software tells you whether you'll have enough. Khyren's retirement product helps you figure out what to do with what you have — when to take distributions, how to balance retirement saving against your kids' education, how to coordinate accounts so you keep more of what you've saved.
The questions that actually keep people up at night.
Once you've built up real retirement savings, the questions get harder, not easier. They're not about whether to save more. They're about timing, sequencing, and coordination across accounts most software treats as separate.
When should I start taking distributions from my retirement accounts?
How much should I contribute to my 401(k) versus invest elsewhere?
When should I draw from my IRA versus my taxable account versus my Roth?
How much should I put toward my kids' college versus my own retirement?
Should I do Roth conversions, and if so, when and how much?
When should I take Social Security?
How do I sequence withdrawals to minimize taxes over the next 30 years?
What We're Building
The retirement decisions that matter, modeled for you.
Distribution timing
When to take from each account, modeled across your full retirement horizon. Avoids early-withdrawal penalties, manages required minimum distributions, and optimizes your tax bracket year by year.
Multi-goal allocation
How much to your 401(k), how much to a 529 for the kids, how much to a brokerage account or Roth. Honest visualization of the trade-offs — every dollar to one goal is a dollar not compounding for another.
Withdrawal sequencing
The order you draw from accounts — taxable first, then tax-deferred, then Roth — can change your lifetime tax bill by tens of thousands. The product models your situation, not industry averages.
Roth conversion modeling
Should you convert traditional IRA balances to Roth in your 60s before RMDs kick in? How much, in which years? The product models the multi-year tax impact and shows the optimal conversion path for your specific bracket and timeline.
Social Security timing
Take at 62, full retirement age, or 70? The right answer depends on your other accounts, your health, your spouse's situation, and your overall tax picture. Personalized recommendation — with the reasoning behind it.
Kids vs. retirement, made explicit
The hardest emotional decision in retirement planning. The product helps you make the trade-off explicitly — with clear models of what each choice means for both your retirement readiness and your kids' college outcomes.
Who It's For
For pre-retirees and retirees with multiple accounts to coordinate.
Pre-retirees and retirees who have meaningful savings across multiple accounts — 401(k), IRA, brokerage, Roth, 529, HSA — and need help coordinating decisions across all of them. If you're 45+ and the questions above sound familiar, this is built for you.
Stay updated.
We'll let you know when the Retirement Suite is ready for early access.
More Khyren Products
Other AI-powered analytics products from Khyren.
The same analytics engine that will power our retirement coordination platform also runs across our trading discipline and education products.
