Platform Features

Everything You Need to Plan Retirements with Confidence

Blu Mountain Analytix combines deep financial modeling with intuitive advisor workflows — no spreadsheets, no guesswork. Built for the solo advisor, scaled for the firm.

Client & Account Management

Maintain a complete, organized view of every client relationship from a single platform.

Comprehensive client profiles with personal, family, and financial details
Multi-account support: 401(k), IRA, Roth IRA, taxable, TSP, SEP, 403(b), 457(b), and more
Employer match tracking and contribution rate management
Client status management, review date scheduling, and notes
Secure, per-advisor data isolation with role-based access control

Multi-Scenario Planning

Explore every retirement path with powerful, flexible scenario modeling.

Create unlimited named scenarios per client (e.g., "Base Case", "Early Retirement", "Roth Conversion Strategy")
Customizable return assumptions, inflation rates, and retirement ages per scenario
Tax-efficient waterfall, RMD-first, target bracket, preserve Roth, and pro-rata withdrawal strategies
Multi-year Roth conversion planning with year-by-year tax impact analysis
Side-by-side scenario comparison with visual charts

Precision Financial Calculations

Federal and state tax projections using current-year IRS brackets for all 50 states
Required Minimum Distribution (RMD) calculations using IRS Uniform Lifetime Table (SECURE 2.0)
Social Security benefit modeling, COLAs, and provisional income taxation analysis
IRMAA (Medicare Part B & D surcharge) threshold detection and multi-year planning
Contribution limit enforcement per IRS guidelines including SECURE 2.0 super catch-up (ages 60–63)
Net Investment Income Tax (NIIT) and standard deduction optimization

Professional Client Reports

Generate reports that make client meetings more productive and impactful.

Comprehensive summary reports covering projections, income analysis, and account balances
Stacked area charts for portfolio allocation and income source visualization by year
Year-by-year income analysis with tax amounts and effective rate breakdowns
Account balance projections with peak portfolio, ending balance, and depletion analysis
Print-ready formatting designed for professional client presentation

Firm-Level Capabilities

Operational Scale & Data Integrity

Beyond individual advisor tools, the platform provides firm administrators with governance, visibility, and standardization across the entire team.

Unified Client Visibility

Replace scattered spreadsheets with a single source of truth. Firm admins see the entire book of business across all advisors in real time.

Advisor Capacity Governance

Automated seat management, client count limits per tier, and proactive soft-limit warnings — aligned with your subscription plan.

Seamless Client Transfers

Reassign clients between advisors with a click. Built-in safety nets prevent orphaned records during advisor transitions.

Standardized Planning Methodology

Every advisor follows the same IRS-compliant calculation framework — ensuring consistency and reducing firm-wide compliance risk.

See It in Action

Start your 14-day free trial and explore every feature with your own client data — or schedule a personalized demo walkthrough.

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