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The Best Value in Client Engagement Software

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Illustrate the concept of safe withdrawal rates
USD $30 / mo
(billed annually*)

  • Test portfolios containing:

  • U.S. Total Market, Large Cap, Mid Cap, Small Cap,
    Micro Cap, & Int'l Stocks
  • T-Bills, U.S. Gov. Bonds, & Int'l Bonds
  • Gold
  • Client reports

  • White labeling

  • “Solve For” tool**

  • Technical Support

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Tailored software for large teams
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Learn why T. Rowe Price, Scotiabank, Investors Group & others have engaged us to develop customized planning software.

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**The “Solve For” tool allows you to set a confidence level, and then solve for a desired output. E.g. “What is the maximum level of spending that my portfolio will support over 30 years, with 90% confidence?”

Data starting in 19261935, updated quarterly. User experience optimized for computers and medium to large tablets.


You get access to the Big Picture App for 10 days without paying a penny. We’ll send you a reminder three days before your trial expires. Cancel any time within 60 days and receive a full refund!

The Big Picture is an application for wealth and retirement planning. It allows financial advisors to back-test retirement portfolios over hundreds of historical periods, and answer questions like:

Based on history...
  • How likely am I to remain solvent?
  • How much can I sustainably spend?
  • Would altering the composition of my portfolio improve my odds?


The following eleven total-return indices are currently available. Each index begins in 1926 and is monthly in frequency. Data are updated quarterly via an automatic feed.

  • U.S. Total Market Stocks
  • 5-Year Government Bonds
  • U.S. LargeCap Stocks
  • 10-Year Government Bonds
  • U.S. MidCap Stocks
  • U.S. T-Bills
  • U.S. SmallCap Stocks
  • Global Bonds
  • U.S. MicroCap Stocks
  • Gold
  • International (ex. USA) Stocks


Yes, you can upload your logo within the app.

The Big Picture app is grounded in the methodology used by William Bengen in his seminal 1990s research (later replicated by the Trinity Study and others). Namely, it assumes constant inflation-adjusted distributions throughout retirement.

But, don’t retirees’ spending patterns evolve as they age? And, what if portfolio values rise or fall significantly after retirement begins?


No. For two reasons:

First, your clients’ names, ages, investment holdings, and other personal details constitute highly sensitive data. This information should be confined to software that offers bank level security. A data breach, such as this one from Redtail, could be ruinous to your clients’ financial lives—and to your advisory business. While it can be convenient to view client data across platforms, we believe that the risks outweigh the benefits.


Quite simply, reliable market data do not exist prior to 1926. Retirement plans built on the basis of figures that pre-date this point in history are, in our view, unsound.