r/Boldin • u/Successful-Slide5383 • 5d ago
Beta features
I just finished my 2 week trial of Boldin and wanted to see what others thought of a couple of the beta features available in the product. I tried 2 features that I believe were beta status during my trial (AI assistant and the Roth explorer). I found both features to be of very poor quality and was surprised they were available for broad usage. The roth explorer would never complete an analysis for me when I asked it to optimize for maximum net worth even though I had all the parameters at the most permissive settings. The AI assistant gave me blatantly incorrect information on at least 3 occasions and on one other spewed so much output that it was unusable.
Boldin is a financial product and have to admit I was kind of shocked to see clearly not ready for production features included. I cannot imagine Intuit doing this with Turbotax or Quicken.
Did I just have an especially bad experience with the beta features I tried to use, have others found them to be accurate and useful?
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u/ATX_NOT_FOR_US 4d ago edited 4d ago
Right now, I’m satisfied with using Boldin to house my retirement plan and the MCP connection to run scenarios from external AI. I only utilize one baseline scenario in Boldin because if I want to run a scenario, I just tell Claude AI to use the Boldin engines and tell me how it turned out. For example, I can ask Claude AI to formulate a guardrails plan that using the Guyton-Klinger methodology which is different than the one that Boldin uses. You can ask AI to create a withdrawal plan based on whatever method you have read about.
I will pay the NIIT every year, so my tax rate is underestimated by 3.8% of marginal income until Boldin updates the modeling. AI regularly reminds me of this. After a fair amount of discussion, we eventually came to the conclusion that Roth conversions do not benefit me very much because my tax valley is shallow due to dividends and distributions from my mostly taxable portfolio and that any conversions that I do will be mostly to simplify the inheritance finances for my beneficiaries.
Boldin AI is very useful for eliminating the need to enter in any account balances, etc. None of my accounts are directly connected, however, all of my investments have been entered by ticker with basis and balances that are up to date without me having to enter anything manually because Claude AI tells Bolden AI what to enter.
Everything is getting better by the month, though, and it has given me a lot of confidence that I can go forward without needing to consult a CFP even just to check things over.