Financial Planning

A client will see this plan, so the wording you send is most of the work.

Where each of these goes

Send the requests under Starting a plan in Ask Hazel, with the segmented control under the message box set to Financial Planning. A chat left on Ask answers you but never builds a plan. Every later request changes a plan you already have, so it belongs in that plan’s conversation: press Edit in the top bar in the chat view, or Open chat on the household’s Financial Planning tab. Both open the same conversation, and each request comes back as a new version with the earlier one still readable.

Starting a plan

The full brief

Fill in what applies, delete the rest.

Build a financial plan for [household].

Treat them as [persona name, if you want one].

The question this plan has to answer: [the one real question].

Goals: [target retirement year, purchases, education, giving, exit].
Constraints: [what is off the table].

Emphasize: [the topics that matter for this family].
Leave out: [what does not apply].

Leave the persona line out and Hazel matches the household to the closest Client persona your firm has, then names it in the Persona row of Applied settings in the plan’s Appendix.

Short briefs

Build a plan for [household], treat them as pre-retirees. The question
is whether [name] can retire at [age] without cutting current spending.
Model Social Security starting at [age] for each of them. Emphasize
income sequencing and the healthcare gap before Medicare. Audience: a
review meeting with a couple who want the trade-offs.

Build a plan for [household], new clients. Keep it to the picture and
two decisions. Emphasize where they stand today and the biggest
risk they face.

Build a plan for [household], treat them as retirees. The question is
whether their spending of [amount] a year holds. Lead with distribution
ordering, then required distributions.

Build a plan for [household]. The business is their largest asset and
an exit is [timeframe] out. Emphasize liquidity, concentration, and
the pre-exit tax picture. Constraint: they will not sell earlier.

Naming a different persona

Build a plan for [household] using our [persona] persona, not the
[other persona] one. [One sentence on why.]

Rebuild this against our [persona] persona. This household is really
[what is actually going on].

Levers

Add a retirement-age lever from [low] to [high] in one-year steps,
starting at [current], and show its effect on the success gauge.

Add a savings lever to show what another [amount] a month buys.

Add a spending lever around their stated need of [amount], to show
what a [percentage] cut does.

Add a claiming-age lever for each of them, 62 through 70.

Moving a lever recomputes the figures on screen and saves nothing. To keep a setting, approve the recommendation the lever sits under, or say the values in the chat:

Rebuild the plan with retirement at [age] and spending at [amount].

If a line under the lever panel says the projections do not respond to those controls yet, that lever illustrates the trade-off. Ask in the chat for the numbers at a setting.

Visuals

Say what you want the visual to prove and let Hazel pick the form. To point at one already in the plan, name the heading above it, or a name from the visual reference.

Show the allocation as a mix comparison, current versus target.

Replace the [chart] with the range of outcomes. They should see the
spread, not a single line.

Turn the [schedule] into a table, with a column for [what matters].

Add a before-and-after on the key figures, so the recommendations
show an effect.

Show where each next dollar of savings should go, in order.

Structure

Add a [topic] tab to [section], covering [what it should cover].

Drop the [section]. [Why it does not apply.]

Move [section] ahead of [section]. They have seen the balance sheet
a hundred times.

Give the [section] a short narrative before the tables. It opens too
cold.

If Hazel declines a structure change, your firm’s strictness is probably Exact, which a firm owner can loosen: Strictness.

Deeper analysis

Compare [option A] against [option B] side by side, with a verdict.

Stress-test the plan against two down years right at retirement.

Show the Roth conversion schedule through age [age], with the bracket
each year fills and the tax it costs.

Tightening before a meeting

Cut the summary to three paragraphs and lead with whether they can
retire at [age].

Tighten the whole plan. It reads long. No section longer than a page.

Explain every figure in one sentence before showing it. No jargon
without a gloss.

Checking a plan

Where does the [figure] in [section] come from, and what math
produced it?

Which figures here rest on facts nobody has confirmed?

Is there a section on [topic]? If not, where did that topic end up?

Which persona did you build this from, and what did it change from
our firm defaults?

What data were you missing that would have changed this plan?

Run the last one before every rebuild: it names the document to upload next.

Assumptions do not change through chat. Select the figure one sits behind, press Edit in the Provenance and calculations panel, Queue change, then Recalculate in the bar at the bottom of the plan. See Solver assumptions.

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Where each of these goes

Starting a plan

The full brief

Short briefs

Naming a different persona

Levers

Visuals

Structure

Deeper analysis

Tightening before a meeting

Checking a plan

Where to go next

​Where each of these goes

​Starting a plan

​The full brief

​Short briefs

​Naming a different persona

​Levers

​Visuals

​Structure

​Deeper analysis

​Tightening before a meeting

​Checking a plan

​Where to go next

Where each of these goes

Starting a plan

The full brief

Short briefs

Naming a different persona

Levers

Visuals

Structure

Deeper analysis

Tightening before a meeting

Checking a plan

Where to go next