NestPilot Foundation is a 501(c)(3) nonprofit. Our tools, education, and community seminars are always free. Our calculations are transparent. Our only agenda is helping you understand the high-stakes retirement decisions ahead.
Our Mission
NestPilot Foundation Inc. is a 501(c)(3) public charity (EIN 42-1856966) with one mission: make the highest-stakes retirement decisions — Medicare enrollment, Social Security claiming, IRMAA, Roth conversions, and retirement-age viability — understandable and verifiable for everyone, free. We do this three ways: free anonymous decision tools, free community seminars, and open, peer-reviewed research. Our vision: to become the default educational layer for retirement-decision literacy in the United States.
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The Stakes
Most retirement-planning anxiety isn't about “will I have enough.” It's about a small set of high-stakes decisions where one wrong move costs five figures and can't be undone.
Read the full breakdown — what each window is, when it closes, what it costsMiss a Part B deadline once and pay 10% per year you were late — for the rest of your life. Estimated lifetime cost: $8,000–$25,000.
Read the deep diveA single year of high MAGI can trigger $1,000–$5,800 in extra Medicare premiums. Few tools show how withdrawals interact with brackets.
Read the deep diveClaiming at the wrong age can cost $50,000–$300,000 in lifetime benefits. The break-even math depends on details most calculators ignore.
Read the deep diveMiss the one-time guaranteed-issue window and you may be denied Medigap or pay $20,000–$80,000 more for inferior coverage.
Read the deep diveThe years between retirement and required minimum distributions are the cheapest tax planning window of your life — easy to miss, $50,000–$200,000 to fix.
Read the deep diveEach decision has a free Foundation tool to walk through it.
Try a Free ToolHow NestPilot Earns Your Trust
Even investors with private bankers refuse to act on AI guidance they can't see the math behind — and most say AI has made financial advice less transparent, not more. We built NestPilot on the opposite principle: the numbers are always visible, the limits are always stated, and the decision is always yours.
No black box. Every projection shows the assumptions behind it — tax brackets, IRMAA thresholds, claiming ages, growth rates. Change one and watch the result move. You can always answer “why does it say that?”
The tools do the arithmetic; you make the decision — with your own judgment and any fiduciary you trust. Math should inform a choice, never quietly make it for you.
We tell you what the math can’t see — your health, your family, your risk tolerance, a change in the law. A projection is the start of a conversation, not a verdict.
94% of wealthy investors say AI works best paired with human judgment, and 91% want to understand how it reached a conclusion before acting. Source: BNY Wealth, The Intelligent Investor, 2026. We think that standard shouldn't be a luxury.
“Excellent analysis and on-point recommendations. I love what you’ve done with the toolset — what a great help to anyone looking for solid advice and not wanting to pay a 1% AUM fee to get the same (or worse) advice.”
Now in ChatGPT
The same four free, anonymous decision tools — Medicare timing, Social Security, Roth conversions, and retirement-age viability — now run inside ChatGPT, free tier included. Enable it once and just ask.
See how it works
Foundation Programs
Three programs, one mission: making retirement decisions transparent for everyone, not just the people who can afford a fiduciary.
Free retirement-literacy seminars for HOAs, churches, libraries, and employer programs.
Learn more
500-household longitudinal study on retirement-decision literacy with PhD Co-PI.
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Anonymous, no-account-required tools: Medicare deadlines, Social Security claiming, Roth conversion, retirement age.
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Why It's Different
Every projection shows assumptions you can inspect. No black boxes. If a number drives a result, you can see it.
A 501(c)(3) nonprofit. No annuity ads, no advisor referrals, no sales calls. Our only agenda is helping you understand the decision.
Foundation programs are designed for measurement: pre/post literacy surveys, IRB-compliant research, peer-reviewed publication.
Try a Foundation tool, build a plan in the workspace, host a free seminar for your community, or support the mission. NestPilot Foundation is always free. Always transparent. Always independent.
