Our Case Studies show how MaxiFi can help families make smarter decisions.

Case Studies

A couple discovers important information about asset allocation, risk analysis, and a new concept, expected lifetime utility maximization.

Jack and Sue are considering taking out a mortgage on their home and investing in bonds. They want to reap the alleged tax breaks from having a mortgage and they are also keen on investing the equity in their home — but doing so safely since the mortgage repayment is a for-sure obligation.

A couple nearing retirement finds that delaying Social Security gives them 22% more to spend every year starting today!

No one wants to splurge today and starve tomorrow or do the opposite. Rather, we want to enjoy a stable living standard through time. Economists call this consumption smoothing—maintaining your household's living standard through time and across times—good times and bad times. MaxiFi takes the guess work out of financial planning. It calculates what you should spend annually (your spending targets) to have a stable living standard.

Should Gina Get an Advanced Nursing Degree?

A couple has just retired and wants to determine if converting 401(k) assets to a Roth will raise their living standard.

A young couple considers whether they can afford having the husband stay at home to care for their child.

A husband wants to know the impact of choosing self-employment

Concern about sequence of return risk is a common worry among those who have explored risk analysis.

Eve and Owen are finally starting to get serious about retirement planning. How much retirement saving is really needed?

Paula and John love children and would love to have another. But Paula is worried it will compromise their comfortable financial situation.

Jake and Missy always planned to retire at age 66. But they've saved well, their mortgage is paid off, and they are getting tired of working.

MaxiFi calculates how much life insurance is needed to fully protect survivors' living standards. But a household's need for life insurance changes annually as there are fewer years of labor earnings that will be lost through death and fewer years of survivor spending that need to be sustained.

Kathy and Frank are going through a rough patch and are thinking about getting divorced.

Plan for a Lifetime with MaxiFi Planner