IRAClarity

IRAClarity is a mobile + web app that helps individuals avoid costly retirement-account mistakes when changing jobs, consolidating accounts, or choosing between Traditional vs Roth options. Users connect accounts (or upload statements), and the app builds a plain-English “decision brief” showing fees, fund overlap, hidden cash drag, and tax-impact ranges for common moves like rollover to IRA, keep in 401(k), or move to new employer plan. It includes a compliance-friendly checklist for paperwork steps and deadlines, plus a “what to ask” script for calling plan administrators. This is a combination traditional + AI app: AI summarizes plan documents and flags potential gotchas, but the app is explicit about uncertainty and requires user confirmation for any assumptions. It’s not a robo-advisor; it’s a decision-support tool that reduces confusion and prevents avoidable penalties.