Module reference

You are deciding which topics a plan should treat on their own. All nineteen modules Hazel ships sit in the same four groups and order as the Modules tab of the plan design editor, where you add and remove them. Where it lands by default holds whatever you have selected on the canvas, since Hazel’s own modules ignore your selection; only a module your firm wrote follows it. Five modules own a whole tab and carry a small Tab badge. What it needs is what the household’s data has to hold for the module to say anything. Several also carry a leave-out condition, so a treatment with nothing behind it stays out rather than printing a blank table.

Core planning

Module	What it adds	Where it lands by default	What it needs
Net worth & balance sheet	Assets, liabilities, the net-worth trend, and the account detail behind it	Today	Account balances, property values, debts
Cash flow	Income, spending, monthly surplus, and a year-by-year cash-flow view	Its own Cash flow tab in Getting there	Income and spending detail
Emergency fund	Months of essential spending covered today, against a target of three to six months	Cash flow tab	Spending detail and cash balances
Debt paydown	Balances, rates, and a payoff order that puts balances above 6% APR first	Cash flow tab	Debts with balances and rates
Insurance	Term life and disability coverage in place, the gaps, and the cost of closing them	Its own Insurance tab in Getting there	Policies in force, income, dependents
Goal funding	One card per goal: funding status and progress toward the target	Goals	Stated goals with amounts and dates

Retirement & tax

Module	What it adds	Where it lands by default	What it needs
Retirement	Progress toward the retirement target, a range of outcomes, and readiness figures	Its own Retirement tab in Getting there	Retirement accounts, contributions, a target retirement date
Retirement income sequencing	Which accounts fund spending, in what order, and where required withdrawals force the order	Retirement tab	Which accounts are taxable, tax-deferred or Roth, plus a spending target
Social Security optimization	Claiming ages compared for each earner, with the lifetime trade-off	Retirement tab	Dates of birth, plus an earnings history or a benefit estimate
RMD calculation	Required minimum distributions by year and account, with each earner’s start year	Retirement tab	Tax-deferred balances and dates of birth
Roth conversion	Year-by-year conversions with each year’s bracket impact, following your firm’s conversion strategy	Retirement tab	Tax-deferred balances and a current income and tax picture
Healthcare coverage estimation	Coverage before 65, the move onto Medicare, and estimated annual costs	Retirement tab	Ages, retirement dates, coverage in force

Investments & analysis

Module	What it adds	Where it lands by default	What it needs
Investments	The current allocation against the target mix, and how that mix shifts over time	Its own Investments tab in Getting there	Holdings, and which accounts are taxable, tax-deferred or Roth
Equity compensation	Vesting lanes for restricted stock, options and employee purchase plans, plus single-stock concentration against the target mix	Investments tab	Grant schedules and current share prices
Monte Carlo success	One figure for the chance the plan holds up across many varied market futures	Summary	A goal with an amount and a date

Wealth transfer & legacy

Module	What it adds	Where it lands by default	What it needs
Education funding	Funding targets against projected education costs, one card per child	Goals	An education goal, children’s ages, savings set aside
Charitable giving	A giving strategy sized to the household’s tax picture: donor-advised funds, qualified charitable distributions, gifts of appreciated stock	Estate plan tab	A stated giving intention and appreciated holdings
Gifting & wealth transfer	Annual gifting capacity, lifetime exemption use, and planned transfers to heirs	Estate plan tab	Net worth, named heirs, a stated intention
Estate plan	Documents, beneficiaries and titling: what is current, what is missing, what to fix first	Its own Estate plan tab in Getting there	Estate documents and how accounts are titled

Adding a module whose home is not in your design creates that home: put Roth conversion into a design with no Retirement tab and the tab appears. Each card says where the add will land, and when a section module would fill a tab sitting there empty its button reads Furnish the Retirement tab instead of Add to plan.

What the default plan design includes

Hazel’s default design carries eight modules: the six under Core planning, plus Retirement and Monte Carlo success. So a default plan has Cash flow, Insurance and Retirement tabs but no Investments or Estate plan tab. Adding every module is rarely right: a narrow module takes its topic over from the broader section that would otherwise cover it. Modules covers how to choose. Two numbers here are yours to change: the 6% APR line on Debt paydown, in that block’s Instructions to Hazel field, and the probability at which a plan counts as on track, in Solver assumptions.

How Hazel’s personas differ

Your firm’s Planning settings arrive with three Hazel personas whose designs differ from the base template and from each other; Default templates covers each in full.

HENRY, for high earners still building wealth, leaves out the standalone success figure: one goal’s probability undersells a household juggling several.
Pre-Retiree leaves out debt paydown.
Retiree / Decumulator opens its Getting there tabs with retirement income sequencing and healthcare costs and drops the saving-phase treatments: no accumulation trajectory, no emergency fund, no debt paydown.

Your firm’s own modules

Modules you create sit under Your firm’s modules, with the name and description you gave them. Start from scratch or copy one of Hazel’s. Write one as a tab with no blocks of its own and its card says Hazel will compose it from your instructions.

Where to go next

Modules: adding and removing them, and what absence means.
Block settings: instructions and leave-out conditions on a module’s pieces.
Sections and tabs: how tabs sit inside Getting there.
Visual reference: the charts, tables and cards a module places.
Where numbers come from: how these facts reach Hazel.

Getting Started

Ask Hazel (Chat)

Intelligent Client Profiles

Financial Planning

Meeting Assistant

Modes

Settings

Integrations

Help

Core planning

Retirement & tax

Investments & analysis

Wealth transfer & legacy

What the default plan design includes

How Hazel’s personas differ

Your firm’s own modules

Where to go next

​Core planning

​Retirement & tax

​Investments & analysis

​Wealth transfer & legacy

​What the default plan design includes

​How Hazel’s personas differ

​Your firm’s own modules

​Where to go next

Core planning

Retirement & tax

Investments & analysis

Wealth transfer & legacy

What the default plan design includes

How Hazel’s personas differ

Your firm’s own modules

Where to go next