October Update: New OnTrajectory Features

OnTrajectory has two new features this month: Updating Progress & Cost Basis 1. Updating Progress While you’ve been able to track your Progress over time in OnTrajectory, we’ve revised the math behind the “Future Projection” of that progress. Previously, only the total between your Trajectory and Progress was considered. Now, we consider each Account’s “% Growth” rate individually, meaning more accurate future projections. We’ve also made the interface more informative …

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OnTrajectory Releases Collaborative Financial Planning Tool for Money Coaches and Mentors

PRESS RELEASE Baltimore, Maryland (July 11, 2017) — OnTrajectory, a Baltimore-based, veteran-owned “FinTech” start-up, has just released a first-of-its-kind financial planning platform allowing educators and students to collaboratively model complex financial strategies and techniques. OnTrajectory’s emphasis on visualizations and high-fidelity graphs makes it perfect for individuals learning the effects of compound savings,  tax-handling, expense management …

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Easier Tax-Rate Modeling

We’ve made it easier to model the tax-advantages of contributing to a retirement plan. Now, when you designate contributions that typically occur “pre-tax” (such as those to a 401K or Traditional IRA), OnTrajectory automatically excludes those contributions from taxable Income — meaning you needn’t adjust your tax-rate to account for those contributions. We’ve also added …

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Smarter “Draw-Downs”

OnTrajectory just got a little smarter. When modeling years with negative cash-flow (such as retirement), OnTrajectory has always let you indicate which accounts to draw funds from first – but now you can leave more of those decisions to us! Our draw-down logic now takes into account 4 characteristics when automatically selecting an account to pull funds from: …

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Expanded ‘Employer Contributions’ at OnTrajectory

We’ve expanded our Employer Contributions functionality to give you more financial modeling flexibility. Now you can define contributions from employers for both 401k/403b and HSA accounts. In addition, both your defined contributions and employer contributions can be designated either as a fixed amount or as percentage of Income (or any combination of the two), as illustrated below: Just a reminder, …

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The Gateway Drug of Personal Financial Planning

You’re just cruising down the internet minding your own business. Maybe you’re doing some window shopping, and an attractive loan interest rate catches your eye – 2.9%. Oh,  hell yeah! So, you quickly look around and nearby you see a nice, professional-looking calculator offering to crunch monthly payment options for you – and it let’s you …

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New Feature Alert: Item Re-Ordering & Equation Support

Two new feature enhancements to OnTrajectory this month! Feature 1: Item Re-Ordering Change the order your Income, Expense & Account items appear — just click and drag the ‘up/down’ icon to move items to a new position (note: the top-most ‘Deposit Account’ cannot be moved). Feature 2: Support for Equations You can now use mathematical operators …

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