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Retirement planning often starts with good intentions but quickly turns tangled. Even those with steady jobs and multiple accounts feel uncertainty when logging into platforms littered with acronyms - Roth, HSA, 403(b). Add the nonstop flow of new investment vehicles and shifting tax rules, and it's easy to lose confidence or fall back on guesswork instead of strategy. The lure of countless online calculators, guides, and financial influencers sometimes deepens this confusion

Confident decision-making depends on transparency and precision, especially when managing taxes and investments in an unpredictable environment. The old piecemeal approach - uploading documents to one platform, cross-checking investment accounts elsewhere, then worrying about lost paperwork or missed IRS updates - quickly unravels under real-world pressure. Frustration grows when critical forms vanish into cluttered inboxes, or last-minute rule changes undermine carefully lai