NestPilot Foundation is a 501(c)(3) nonprofit. Our tools, education, and community seminars are always free. Our calculations are transparent. Our only agenda is helping you understand the high-stakes retirement decisions ahead.
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The Stakes
Most retirement-planning anxiety isn't about “will I have enough.” It's about a small set of high-stakes decisions where one wrong move costs five figures and can't be undone.
Read the full breakdown — what each window is, when it closes, what it costsMiss a Part B deadline once and pay 10% per year you were late — for the rest of your life. Estimated lifetime cost: $8,000–$25,000.
Read the deep diveA single year of high MAGI can trigger $1,000–$5,800 in extra Medicare premiums. Few tools show how withdrawals interact with brackets.
Read the deep diveClaiming at the wrong age can cost $50,000–$300,000 in lifetime benefits. The break-even math depends on details most calculators ignore.
Read the deep diveMiss the one-time guaranteed-issue window and you may be denied Medigap or pay $20,000–$80,000 more for inferior coverage.
Read the deep diveThe years between retirement and required minimum distributions are the cheapest tax planning window of your life — easy to miss, $50,000–$200,000 to fix.
Read the deep diveEach decision has a free Foundation tool to walk through it.
Try a Free ToolFoundation Programs
Three programs, one mission: making retirement decisions transparent for everyone, not just the people who can afford a fiduciary.
Free retirement-literacy seminars for HOAs, churches, libraries, and employer programs.
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500-household longitudinal study on retirement-decision literacy with PhD Co-PI.
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Anonymous, no-account-required tools: Medicare deadlines, Social Security claiming, Roth conversion, retirement age.
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Why It's Different
Every projection shows assumptions you can inspect. No black boxes. If a number drives a result, you can see it.
A 501(c)(3) nonprofit. No annuity ads, no advisor referrals, no sales calls. Our only agenda is helping you understand the decision.
Foundation programs are designed for measurement: pre/post literacy surveys, IRB-compliant research, peer-reviewed publication.
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