LongClarity Retirement Planner

LongClarity is an educational retirement planner and calculator for U.S. households. Enter your own information, choose the assumptions you want to test, and see how those inputs interact in a hypothetical retirement model. BUILD YOUR MODEL • Enter household ages, income, spending, retirement savings, pensions, Social Security estimates, healthcare assumptions, and other resources. • Choose retirement timing, inflation, investment-return assumptions, and the years you want to model. • Review estimated income, costs, withdrawals, balances, and modeled funding over time. EXPLORE WHAT-IF SCENARIOS • Compare a Current Plan with hypothetical changes you choose. • See how different retirement ages, Social Security timing, spending, savings, and other assumptions affect the model. • Nothing changes in your Current Plan unless you deliberately review and adopt the change. UNDERSTAND THE CALCULATIONS • View year-by-year modeled cash flow and balances. • Use explanations and math breakdowns to understand how inputs affect results. • Create an on-device Retirement Modeling Report to review or share with a professional you choose. PRIVACY BY DESIGN Your substantive retirement-plan information is processed and stored on your device. Long Clarity LLC does not operate a backend that receives or stores your retirement plan. The app contains no third-party advertising or product-analytics SDK. EDUCATIONAL MODELING, NOT ADVICE LongClarity provides hypothetical calculations and educational comparisons. It does not manage assets, connect to financial accounts, recommend securities or financial actions, prepare tax returns, or provide personalized financial, investment, tax, legal, insurance, or government-benefit advice. Results are estimates, not predictions or guarantees. LONGCLARITY PREMIUM The free app includes core retirement-modeling features. An optional auto-renewable Premium subscription unlocks deeper modeling, full-horizon year-by-year results, additional Explore and Coach capabilities, plan check-ins and updates, planned spending changes, and the Retirement Modeling Report. The app shows the current price, billing period, introductory-offer eligibility, and renewal terms before purchase. Subscriptions are purchased and managed through Apple. TERMS OF USE Apple Standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/