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BlackRock Retirement Analyzer from BlackRock Solutions
Retirement income projections, portfolio stress testing, risk analysis, Social Security optimization, tax-efficient withdrawal strategies, and healthcare cost projections.
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Product analysis by function
Retirement Planning Systems for Financial Planning
Specialized software for modeling retirement scenarios, calculating required savings rates, projecting retirement income needs, and analyzing Social Security optimization strategies.
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Client Data Management
(8 Yes /8 Known /10 Possible features)
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Comprehensive Profile Storage Ability to capture and store detailed personal, family, and demographic data for each client. |
Retirement Analyzer captures and stores detailed client demographic and family data, as referenced in product brochures. | |
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Document Management Upload and link client documents for reference and compliance (e.g., tax returns, Social Security statements). |
Supports uploading and linking of key client documents (e.g., Social Security statements) as outlined in available user guides. | |
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Customizable Data Fields Option to configure and add new fields as needed by the advisor. |
No information available | |
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Data Import Capabilities Support for bulk or API-driven import of client data from CRMs or custodians. |
The tool supports integration with external CRM platforms via BlackRock's enterprise APIs, as indicated in solution briefs. | |
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Multi-Client/Household Support Ability to manage planning for couples or extended households. |
Retirement Analyzer models couple and multi-household scenarios, as described on the BlackRock product site. | |
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Access Controls Granular user permission management for client confidentiality. |
Access controls and user permission settings are standard due to institutional client requirements. | |
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Audit Trails Track and log changes to client data for compliance. |
Audit trails are available for compliance, as stated in the platform's compliance documentation. | |
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Data Encryption Secure encryption for data at rest and in transit. |
BlackRock states all data is encrypted at rest and in transit (see privacy and security statements). | |
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Data Backup Frequency How often the client data is backed up. |
No information available | |
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Multi-Device Accessibility Access client data from web, tablet, or mobile devices. |
Available via web; supports tablets and mobile browser use (see product specs). |
Retirement Scenario Modeling
(7 Yes /7 Known /10 Possible features)
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Goal-Based Planning Set and track retirement lifestyle goals. |
Goal-based retirement and spending planning form the core product pitch. | |
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Monte Carlo Analysis Probability-based simulations for potential retirement outcomes. |
Monte Carlo output and probability simulations are advertised in marketing and demonstration materials. | |
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Multiple Scenario Comparison Contrast different saving, spending, and retirement age combinations. |
Multiple scenario comparison is a highlighted feature for advisors to present 'what-if' plans. | |
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Sensitivity Analysis Test plan sensitivity to variables such as inflation or market returns. |
No information available | |
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What-If Calculators Interactive tools for instant scenario changes (e.g., early retirement). |
No information available | |
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Retirement Age Flexibility Ability to set and model single or phased retirement ages. |
Adjustable retirement age and phased retirement modeling highlighted in product documentation. | |
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Deferred and Partial Retirement Support Model phased retirements, encore careers, and bridge jobs. |
Users can model partial retirement and encore careers; BlackRock training videos mention this specifically. | |
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Tax Rate Assumption Flexibility Customizable current and future tax rates assumptions. |
Tax rate assumption inputs are flexible per plan; user interface screenshots show editable tax tables. | |
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Outcome Probability Reporting Reporting on the probability of plan success based on simulation. |
Probability of plan success and simulation reporting are major output features described in BlackRock's marketing. | |
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Scenario Save and Archive Save and revisit previous scenario analyses. |
No information available |
Savings and Contribution Planning
(7 Yes /7 Known /10 Possible features)
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Savings Gap Analysis Calculate shortfall between projected assets and retirement income needs. |
The system reports on asset gaps and savings shortfalls, as demonstrated in on-site example scenarios. | |
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Optimal Savings Rate Calculator Automatically compute required savings rates to hit client goals. |
No information available | |
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Contribution Scheduling Model custom schedules for 401(k), IRA, HSA, or other retirement account contributions. |
Product documentation indicates detailed modeling of 401(k) and IRA contributions over customizable schedules. | |
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Employer Match Modeling Calculate matching contributions and impacts on plan health. |
Employer match calculation is handled in the plan modeling engine. | |
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Catch-Up Contributions Handling Support for modeling age-based increased contribution limits. |
Catch-up contributions for those over 50 are supported (stated in FAQs and support docs). | |
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Multi-Account Projections Project outcomes using multiple account types and sources. |
Multi-account modeling is a major marketed differentiator—supports various account types and sources. | |
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Automatic Inflation Adjustments Apply inflation assumptions to future savings estimates. |
Inflation adjustments are applied to future savings; default and custom rates can be entered. | |
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Custom Retirement Accounts Add and configure non-standard or custom account types. |
No information available | |
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External Account Integration Ingest current balances and transactions from custodians or aggregators. |
Can ingest external account details via APIs, as referenced in the vendor integration overview. | |
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Contribution Limit Warnings Automatic alerts if projected contributions exceed legal annual limits. |
No information available |
Retirement Income Planning
(9 Yes /9 Known /10 Possible features)
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Income Source Modeling Project income from pensions, annuities, Social Security, rental income, and other sources. |
Product materials say that it models Social Security, annuity, pension, and other retirement incomes. | |
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Withdrawal Strategy Simulation Model various withdrawal strategies (e.g., 4% rule, bucket, dynamic withdrawals). |
Withdrawal strategies (incl. tax-efficient sequencing) are specifically noted as key functionality. | |
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Required Minimum Distribution (RMD) Calculation Automate RMD forecasts for tax-deferred accounts. |
Automated RMD calculations for IRAs and qualified plans are listed in product spec sheets. | |
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Tax-Efficient Drawdown Sequencing Model optimal order of account drawdowns to minimize taxes. |
The platform supports tax-efficient drawdown and sequencing optimization, according to solution briefs. | |
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Longevity Modeling Account for client-specific longevity projections and risks. |
Longevity assumptions and custom client mortality risk are built into scenario analysis. | |
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Expense Tracking and Projections Forecast and categorize retirement living expenses. |
Expense tracking and category allocation available for retirement projections. | |
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Spending Shock Events Model possible one-time expenses (e.g., healthcare events, home purchase). |
Supports modeling of spending 'shocks,' such as LTC or healthcare events (shown in scenario demos). | |
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Income Gap Analysis Identify and quantify the gap between guaranteed and required income. |
Income gap analysis is one of the outcome summaries provided in reports. | |
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Multi-Year Cash Flow Reporting Report cash flows year-by-year over the retirement period. |
Year-by-year and multi-year cash flow reporting is shown in sample reports online. | |
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Custom Inflation Assumptions Allow separate inflation rates for different expense categories. |
No information available |
Social Security Optimization
(6 Yes /6 Known /10 Possible features)
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Benefit Projection Integrate actual or estimated Social Security earnings and estimate benefit by claim age. |
Social Security benefit projections based on claim age and earnings are described clearly. | |
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Filing Strategies Support analysis of claiming strategies (early, FRA, delayed, spousal, survivor). |
Filing strategies (early, delayed, spousal, survivor) are supported per demo and documentation. | |
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Taxation of Benefits Account for federal and state taxation of Social Security income. |
System models the tax treatment of Social Security benefits for federal and, in some cases, state rules. | |
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Break-Even Analysis Calculate break-even ages for filing at different times. |
No information available | |
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Restricted Application Modeling Analyze effect of restricted application for eligible clients. |
No information available | |
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Earnings Test Simulation Model impacts of working and income on benefits before FRA. |
System allows modeling earnings tests for Social Security if working pre-FRA. | |
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Survivor & Divorcee Benefits Handle special cases for survivors and ex-spouses. |
No information available | |
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Integration with Retirement Cash Flows Automatically include Social Security benefits in overall income plan. |
Social Security benefit integration in income projections is an advertised outcome. | |
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Annual Statement Import Import official Social Security statement data (e.g., .xml or PDF parsing). |
No information available | |
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Benefit Start Age Flexibility Allow input of custom benefit start ages for client & spouse. |
Custom benefit start ages for client/spouse—supported per scenario settings screenshots. |
Tax Planning and Analysis
(4 Yes /4 Known /10 Possible features)
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Tax Bracket Visualization Show projected tax brackets per year in retirement. |
Displays projected tax brackets over retirement, as indicated on reporting sample pages. | |
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Marginal Effective Tax Rate Calculation Display impact of withdrawals or conversions on total tax liability. |
Marginal tax rate calculation is shown as part of withdrawal/conversion modeling. | |
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Roth Conversion Analysis Simulate Roth conversions and quantify long-term effects. |
The product facilitates Roth conversion simulations and outcome projections. | |
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Capital Gains Realization Modeling Include planning for taxable investments and capital gains events. |
Capital gains realization on taxable investment accounts is modeled. | |
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State-Specific Tax Rules Customize tax projections to client’s state of residence. |
No information available | |
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Medicare IRMAA Simulation Estimate Medicare premium surcharges due to income spikes. |
No information available | |
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Deductions and Credits Support for common deductions/credits affecting retirees (age 65+, medical deduction, etc.). |
No information available | |
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Estate and Inheritance Tax Calculation Model potential estate/inheritance taxes and gifting strategies. |
No information available | |
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Year-End Tax Summaries Generate annual tax summary reports for clients. |
No information available | |
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Tax Law Update Frequency How often the system updates modeling for new tax laws. |
No information available |
Integration and Data Connectivity
(4 Yes /4 Known /10 Possible features)
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API Access Available developer APIs for programmatic data import/export. |
API integration features are available for enterprise users. | |
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Account Aggregation Support Automatic syncing of external bank, investment, and retirement accounts. |
Account aggregation for custodian, investment, and bank info available (integration docs). | |
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Custodian/CRM Integration Integrate with major custodians and CRM platforms. |
CRM/custodian integrations are marketed for advisory workflow integration. | |
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Real-Time Data Feeds Support for live prices and position updates. |
No information available | |
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File Import/Export Options Support for CSV, Excel, Open Financial Exchange (OFX), and PDF files. |
No information available | |
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Two-Factor Authentication Support Secure login and integrations to protect data flows. |
Two-factor authentication is supported for advisor and client logins. | |
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Single Sign-On (SSO) Seamless login across platforms with corporate SSO. |
No information available | |
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Integration with Planning Tools Connect to proposal, risk profiling, or document signing tools. |
No information available | |
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Update/Sync Frequency How often external data updates (e.g., balances, transactions). |
No information available | |
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Open Banking Standards Compliance Adherence to Open Banking API/data standards for interoperability. |
No information available |
Reporting and Presentation
(6 Yes /6 Known /10 Possible features)
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Custom Report Builder Create branded, advisor-specific report templates. |
Custom report builder and branded templates available to advisors, as shown in demo materials. | |
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Scenario Comparisons Visualize and explain different retirement strategies side by side. |
Scenario comparison visualization available for advisor-client meetings. | |
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Export Formats Export reports in PDF, web, and Excel formats. |
You can export reports in PDF and Excel (per BlackRock documentation). | |
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White-Labeling Offer branding options for advisory firms. |
No information available | |
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Presentation Mode Advisor-friendly client presentation and guided walkthrough tools. |
Presentation mode features demonstrated in sales trainings and product walkthroughs. | |
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Client Portal Access Enable clients to securely review reports and scenarios on demand. |
Client portal for secure, on-demand access to retirement analysis and reports. | |
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Interactive Dashboards Live dashboards for ongoing engagement and feedback. |
Interactive dashboards for ongoing client/advisor engagement. | |
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Language Localization Reports and interface available in multiple languages. |
No information available | |
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Accessibility Compliance Reports meet standards for ADA and screen-reader usability. |
No information available | |
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Automated Distribution Scheduling Auto-send reports to clients or advisors at set intervals. |
No information available |
User and Advisor Experience
(5 Yes /5 Known /10 Possible features)
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Step-by-Step Guided Workflows Templates and wizards for guiding advisors through plan creation. |
Guided workflows for advisors through plan creation are standard and demonstrated. | |
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In-App Help and Tutorials Context-sensitive help, guides, and support documentation. |
In-app tutorials and context-sensitive help are available as user support options. | |
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Bulk Plan Creation/Update Ability to update assumptions/scenarios for multiple clients at once. |
No information available | |
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Customizable Defaults Set firm- or advisor-specific default planning assumptions. |
Customizable default planning assumptions can be set at user or firm level. | |
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Keyboard Accessibility Efficient navigation and data entry for power users. |
No information available | |
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Work Queue/Dashboard Prioritize and assign tasks for client management. |
Advisor work queue/dashboard is part of the workflow management toolkit. | |
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Advisor Collaboration Features Support for team notes, comments, and shared client planning. |
Advisor collaboration features supported—team notes and shared client access mentioned online. | |
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Mobile App Availability Native or responsive mobile app for planning on the go. |
No information available | |
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Performance Speed Average time to run/report a complex scenario. |
No information available | |
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Customizable Task Alerts Notifications and reminders for plan reviews, contribution deadlines, or RMDs. |
No information available |
Compliance and Security
(7 Yes /7 Known /10 Possible features)
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FINRA/SEC Compliance Tools Configurable disclosures, audit trails, and documentation built for U.S. regulation. |
FINRA/SEC compliance support is described in BlackRock audit trail and disclosure documentation. | |
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GDPR/Global Data Compliance Adapts to international data privacy regulations. |
No information available | |
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Multi-Factor Authentication (MFA) Requires MFA for access by advisors and clients. |
Product supports MFA security protocols (as required by institutional clients). | |
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Penetration Testing Frequency Frequency of system security audits and penetration testing. |
No information available | |
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User Role and Permission Granularity Define fine-grained roles for access to sensitive data. |
Supports granular role and permission definition for advisor teams. | |
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Data Encryption Level Encryption standard used for all client data. |
Industry-standard encryption claimed in vendor security whitepaper. | |
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Audit Logging Comprehensive logging of all user actions for oversight. |
Comprehensive user audit logging available for compliance purposes. | |
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Automated Compliance Alerts Receive alerts for out-of-policy actions or missing documents. |
Automated compliance alerts (e.g., missing data, out-of-policy actions) highlighted in documentation. | |
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Consent Management Track client and user consent for required data uses. |
No information available | |
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Secure Document Delivery Send retirement reports and data via encrypted channels only. |
Reports and sensitive documents delivered via secure, encrypted channels. |
Product Support and Updates
(3 Yes /3 Known /10 Possible features)
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Live Support Availability Access to phone, chat, or email support during business hours. |
Live support during business hours available according to support documentation. | |
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24/7 Emergency Support Round-the-clock support for critical issues. |
No information available | |
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Implementation/Onboarding Assistance Vendor-provided hands-on help during onboarding. |
Onboarding assistance is provided as part of enterprise sales implementations. | |
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Scheduled Training Sessions Availability of recurring live or recorded product training. |
Scheduled and on-demand training sessions available for advisors. | |
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User Community / Forums User-driven discussion groups and advisor knowledge sharing. |
No information available | |
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Knowledge Base Depth Breadth of searchable documentation and FAQs. |
No information available | |
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Product Update Frequency How often new features/functionality are released. |
No information available | |
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Bug Fix Response Time Average time to fix critical system bugs. |
No information available | |
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User Feedback Channels Integrated feedback and suggestion collection. |
No information available | |
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Service Level Agreement (SLA) Vendor guarantees for uptime and support response. |
No information available |
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