Retirement planned together —
across every generation.
Every family member gets their own view, in the language that feels most natural — with the privacy they deserve and the warmth of planning together.
Have a financial advisor? Invite them to WiseNest Connect — your advisor joins, you get 3 months free →
Everything unlocked. Everyone included.
The Familia plan gives your whole household a set of tools no single-user planner can touch — from a shared dashboard to bilingual reports your abuela can actually read.
Family Dashboard
One view shows every member's retirement health and your household's combined success rate.
Profile Switcher
Jump between Carlos, Maria, Abuela Rosa, and Diego's views in one click — same login, no sharing passwords.
Invite Flow
Send a warm, secure invitation to any family member in 30 seconds. They join for free under your subscription.
Permission System
Kitchen Table (full access), Living Room (read-only), or Private Bedroom (hidden). You decide what each person sees.
Shared What-If Scenarios
Propose a scenario, collect emoji reactions, and vote on big family financial decisions — all in the app.
Bilingual Report Magic
Generate Carlos's report in English and Abuela Rosa's in Spanish — from the same plan, with one click.
Legacy Coordination Hub
Coordinate the estate plan, gifting strategy, and multi-generational wealth transfer goals in one place.
Milestone Celebrations
WiseNest cheers when your household hits a new success rate milestone. Because this stuff is genuinely hard.
Watch the whole family come together.
Eight real features — meet Carlos, Maria, Abuela Rosa, and Diego as they plan together for the first time.
Carlos's household hits 78% — every family member's retirement health at a glance.
Try Familia Demo →Switch between Carlos, Maria, Abuela Rosa, and Diego with one click — no shared passwords.
A warm invite lands in Abuela Rosa's inbox. She joins the plan in under 2 minutes.
Choose Kitchen Table, Living Room, or Private Bedroom for each family member.
Try Familia Demo →
'What if we support Abuela $800/mo?' — proposed by Carlos, reacted to, voted on together.
Try Familia Demo →
Carlos's English report and Abuela Rosa's Spanish report — same plan, one click.
Carlos tracks the estate plan, gifting strategy, and multi-generational goals — all in one coordinated view.
Try Familia Demo →The Morales household hits 80% success rate. WiseNest throws a little party — because it should.
Like what you see above? Explore it live right now:
Every seat at the table.
Retirement planning has always been designed for one person. The Familia plan is built for the family you actually have — not the simple one from the textbook.
Carlos & Maria's Two-Plan Household
Carlos finally showed Maria the full picture — his 401(k), her Roth IRA, two different retirement ages. The Familia plan merged both into one household success rate: 78%. Not perfect. But for the first time, they were both looking at the same number at the same kitchen table.
Carlos Builds Abuela Rosa's First Real Plan
Abuela Rosa worked her whole life and never had a real retirement planner — just Social Security and prayers. Carlos set up her profile, built her RMD schedule, then handed her a bilingual report in Spanish. She read it herself, called him the next morning, and said «ya sé que voy a estar bien.»
The Granddaughter on a Mission
Abuela worked in fields and factories. She's never had a real retirement plan. You're helping her understand Social Security timing, the RMD schedule she's never heard of, and what she can actually spend each month. Give her a bilingual report — her first real retirement plan at 71.
The Collaborative Co-Parents
You're not together anymore, but you're both committed to your child with special needs. Model the ABLE account, the special needs trust, and the lifetime care costs that extend beyond both your retirements. One shared workspace. No awkward spreadsheet conversations.
Carlos, Maria, Abuela Rosa — Three Generations, One Roof
Abuela Rosa moved in last year. Diego comes home every summer. Carlos models the shared housing costs, the inheritance expectations, the gifting strategy — and who carries what. Everyone logs in and sees exactly what they need. No one is left guessing at the kitchen table.
The Survivor Plan
What happens to the plan if one of you is gone? Survivor Mode shows exactly what changes — income, expenses, Social Security, RMDs — so you're never facing that question alone. Share the view with your adult kids so they understand and can step in when they're needed.
Diego Starts Small, Plans Big
Diego is 19 and just started contributing $200/month. Carlos invited him to Living Room access — Diego can see the family plan, watch the household success rate, and build his own trajectory alongside it. The best inheritance isn't just money. It's knowing how to build it.
The Blended Family Puzzle
Step-kids, different last names, two sets of college costs, three retirement timelines. Blended family finances are complicated — and WiseNest is the first tool that actually models all of it together without everything falling apart.
Gifting With Confidence
Grandpa wants to help the grandkids without wrecking his own retirement. The Generational Gifting tool shows the exact dollar impact of every gift — annual exclusion, 529 contributions, charitable giving — updated in real time as he adjusts the numbers.
The Family CFO
Someone has to be the one who actually looks at the numbers. You're that person for your whole family — managing your own plan, helping Mom understand hers, keeping an eye on your brother's trajectory. Familia gives you one workspace to do it all, respectfully.
From invite to insight in minutes.
Three warm, simple steps — and your whole family has a retirement plan that speaks their language.
Create your plan & invite family
Set up your household plan with our guided 14-step wizard, then send secure invitations to anyone who belongs at your table — spouse, parents, adult kids, or siblings. They join for free under your subscription.
Choose who sees what
Kitchen Table 🍽️ means full planning access — they can edit and propose scenarios. Living Room 🛋️ means read-only — they see the picture, you keep the pen. Private Bedroom 🚪 means it stays hidden, because some things are just yours.
Plan together. Retire better.
Watch your household success rate climb as everyone's plans align. Propose What-If scenarios, vote with emoji, and generate bilingual EN/ES reports every family member can actually read. Retirement planning, finally for the whole family.
Access levels explained
Kitchen Table
Full access — edit, propose, vote.
Living Room
Read-only — they see the plan, can't edit it.
Private Bedroom
Hidden — your financial details stay private.
"My mom lives with us and speaks mostly Spanish. Now she can log in and see the plan that affects her future — in her language. That changed things at home."
Sofia & David R.
Multi-generational household · Bilingual Familia plan
Stay connected on every phone in the family.
Parents, adult children, and grandparents can each check their slice of the family plan from their own Android or iOS device. No laptop needed — just tap in and see the picture that matters to you.
The SS strategy your whole family deserves.
WiseNest's Real-Life SS Optimizer goes beyond "just wait until 70" — modeling your health, your spouse's survivor benefit, and your kids' dependent benefits to find the right age for your family.
- Dependent child benefits — families with younger kids can claim earlier and compound longer
- Survivor protection — delay the higher earner's benefit to protect your spouse for decades
- COLA compounding — your benefits grow with inflation and can be invested alongside your portfolio
- Whatever Social Security looks like when you retire, we'll model it honestly
What makes the Familia plan different?
Pro is powerful — Familia is Pro, plus the whole family at the table.
Pro
/month · $89/yr
Serious planners. Serious tools.
- Monte Carlo simulation (10,000 paths)
- Survivor Mode
- Legacy & inheritance planning
- Tax projections & RMDs
- Roth conversion optimizer
- Unlimited scenarios
- Account sync: 4 refreshes/month
- Priority support
Familia
/month · $149/yr
For families who plan together — across generations.
- Everything in Pro
- Up to 5 family members per household
- Shared What-If scenarios with emoji voting
- Proposal & adoption flow (household plan changes)
- Generational gifting & legacy view
- Bilingual EN/ES reports for every member
- Household milestone celebrations
- Priority bilingual support (EN/ES)
Everything Pro has — plus the whole family at the table.
Plan as a FamiliaWant to see the Familia plan before committing?
Bank-level encryption
256-bit AES encryption at rest and in transit. Your family's financial data is private by default.
Fully bilingual EN/ES
Every page, every report, every notification — in English and Spanish. No feature left untranslated.
No advisor required
Professional-grade tools your family can run themselves. When you want a pro, share the plan — not your login.
Cancel anytime
No annual contracts. No cancellation fees. Pay month-to-month or save 20% with annual billing.
"This was made for us."
"We finally have one place where my husband, my mom, and I can all look at the same retirement picture without someone getting lost or left out. The bilingual reports are a game-changer — my mom reads hers in Spanish."
Carmen R.
Healthcare worker, age 51 · Familia member
"I set up my parents on read-only access so they could see the plan I built for them. My dad called me for the first time in years just to say 'I didn't know we were going to be okay.' That was worth every penny."
Miguel A.
Software engineer, age 44 · Familia member
"We're the sandwich generation — supporting my in-laws and saving for our own future at the same time. WiseNest is the only tool that let us model all of it together without exploding into a mess. We use it every Sunday morning."
Diane & Tom K.
Small business owners, ages 48 & 52 · Familia members
"Whether your family speaks English, Spanish, or both — everyone belongs at the table."
WiseNest is the first retirement planner built for families who live between languages and generations.
Eliminate debt. Accelerate retirement.
The Familia plan extends Debt Freedom Center to every member of your household — so every person at the table can see their path to zero debt and how it feeds directly into the family's combined retirement success rate.
- Every household member gets a personal debt payoff plan
- Family debt-free date: see when your whole household crosses zero
- Freed-up cash flows automatically redirect into family retirement projections
Invite Your Advisor to the Family Table.
Your advisor gets your complete WiseNest plan automatically — Monte Carlo, SS Optimizer, Roth Ladder, and Familia details — ready to review. No re-keying required. Ask your advisor to register on WiseNest Connect and you'll receive 3 months free on your next billing cycle.
Invite Your Advisor to Connect →Live demos — no login, no credit card
Jump into any tier. Full features, real math — nothing held back.
Invite your advisor in. They get your full plan instantly.
Your advisor gets your complete WiseNest plan automatically — Monte Carlo projections, SS optimization, Roth ladder, and Familia details — ready to review. No re-keying required.
Your whole family deserves a plan.
One subscription. Every seat at the table. In English, Spanish, or both.
Start Free →Try it first — no account needed →
7 days free · Cancel anytime