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Mission

Why NestPilot Foundation exists

NestPilot Foundation exists to close the Decumulation Advice Gap — the distance between what high-stakes retirement decisions actually require to get right, and what the financial advice industry currently delivers to the millions of Americans below its asset-management thresholds.

What we believe

Retirement decisions are math. Medicare enrollment windows, IRMAA tiers, Social Security claiming, Roth conversions, and tax-efficient withdrawal sequencing all reduce to a small number of computable trade-offs. The numbers exist. The rules are public. The math is doable.

Most people never see the math. They get a brochure, a generic calculator, or — if they have a million dollars in investable assets — a fiduciary advisor. Everyone else is left to "figure it out," at the cost of $30,000–$100,000 per mistake, repeated millions of times every year.

Transparency is the fix. A nonprofit, evidence-based, free-to-the-end-user tool that shows the math, cites primary sources, and respects the user's intelligence is structurally different from a sales-funnel calculator. We can build it once, and let it compound.

What we do

  1. Free public tools. Anonymous, no-account-required calculators for the five highest-stakes decisions: Medicare enrollment deadlines, IRMAA brackets, Social Security claiming, Roth conversions, retirement-age viability.
  2. Community seminars. Free, vendor-neutral retirement-literacy programs for HOAs, churches, libraries, and employer benefits programs. We provide the materials; community partners bring the audience.
  3. A 500-household research study. Longitudinal study with a PhD Co-PI measuring whether AI-conversational planning produces better retirement decisions than static calculators. Findings published openly.

What makes this different

  • 501(c)(3) status. No shareholders, no profit motive, no sales calls.
  • Evidence-based by design. Pre/post literacy surveys (CFPB Financial Well-Being Scale), IRB-compliant data collection, peer-reviewed publication.
  • Transparent calculations. Every projection shows assumptions you can inspect. The forecast engine's logic layer is open-sourced.
  • The Foundation/LLC tandem. A separate commercial entity (NestPilot LLC) owns the proprietary planning software and licenses it to the Foundation royalty-free for non-commercial educational use, with strict compliance firewalls.

We are not a robo-advisor competing on portfolio allocation. We are the verification layer for high-stakes retirement decisions — built so anyone who needs it can use it, free, for as long as they need.