u/Strong_Pumpkin_7908

We are currently using eMoney that comes with our Planvision plan for our pre-retirement and retirement plan.

FWIW, we are about 3-4 years away from retirement.

The best part of Planvision is we can reach out and ask for second opinion from an actual person to review.

At this point, we are pretty DIY and have decent idea about our plan, what to avoid, etc.

The downside for me, the eMoney is quite locked down that it is tough to make adjustments and what ifs scenarios.

I am considering Boldin and wondering if it is more powerful vs the eMoney version that comes with Planvision.

If we go with Boldin, we do not plan to pay for their advisor service, just the software plan.

Does anyone have experience with these two apps?

For non-coding use case, such as personal financial assistant, do you think Mac Mini M5 Pro 64GB sufficient, say using anything-LLM and Qwen 3.8 (27B to 35B)?

The personal financial assistant need to:

1. Read my financial statements, Excel budget spreadsheets

2. Perform pre-retirement planning, retirement projection, Monte Carlo simulations, budget analysis, recommendation on tax strategy, etc.

In the future, I may expand it for personal health assistant, use it track my health data.