Cadence Wealth Partners

Concord, North Carolina

Questions? info@cadencewealthpartners.com
Client Resources

Tools & planning resources

Interactive tools to help you understand your finances, plan ahead, and have better conversations with your advisor. Free for all Cadence clients.

All available tools — pick what's relevant to your situation.
Retiree Budget
Map out monthly income and expenses in retirement. See how much of your spending is covered by guaranteed income and test what-if scenarios.
RetireesOpen
Personal Budget
Track pay, expenses, and savings goals. See your savings rate and test how life changes affect your monthly cash flow.
EveryoneOpen
Allocation Calculator
See how your portfolio maps across Cadence's four time-weighted buckets. Get a recommended blended equity target and per-account allocation.
EveryoneOpen
SS Claiming Optimizer
Compare monthly benefits at 62, FRA, and 70. Find your break-even age, model spousal and survivor benefits, and see lifetime cumulative totals.
RetireesOpen
RMD Calculator
Calculate your Required Minimum Distribution for this year and see a 5-year projection with estimated tax impact on each distribution.
RetireesOpen
Quarterly Tax Estimator
For business owners. Enter your actual P&L each quarter and see what you owe — not an even split of last year's bill. Compare P&L vs. safe harbor.
Business ownersOpen
401(k) vs. Roth 401(k)
See the paycheck impact of each option today, compare after-tax retirement values, and get a clear recommendation based on your current vs. retirement tax rate.
EveryoneOpen
Vehicle Calculator
Compare the true cost of paying cash vs. financing a vehicle. See the break-even point and decide which option makes more financial sense for your situation.
EveryoneOpen
Withholding Estimator
See if you're over or under withheld, how big the gap is, and exactly how to fix it — W-4 adjustment amount per paycheck or quarterly estimated payments for the self-employed.
W-2 & self-employedOpen
Home Affordability
Find your max purchase price based on income and debts. See the full PITI payment breakdown and compare 5%, 10%, and 20% down payment scenarios side by side.
EveryoneOpen

These tools are for planning purposes only

Designed to help you think through your finances and prepare for conversations with your advisor — not to replace personalized advice. Questions about your specific situation? Reach out to your Cadence advisor directly.

For retirees
Tools for managing income, distributions, and spending in retirement.
Retiree Budget
Map out monthly income and expenses in retirement. See how much of your spending is covered by guaranteed income and test what-if scenarios.
RetireesOpen
SS Claiming Optimizer
Compare monthly benefits at 62, FRA, and 70. Find your break-even age, model spousal and survivor benefits, and see lifetime cumulative totals.
RetireesOpen
RMD Calculator
Calculate your Required Minimum Distribution for this year and see a 5-year projection with estimated tax impact on each distribution.
RetireesOpen
For business owners
Tools built around the unique financial planning needs of business owners and entrepreneurs.
Quarterly Tax Estimator
Enter your actual P&L each quarter and see what you owe — not an even split of last year's bill. Compare P&L vs. safe harbor side by side.
Business ownersOpen
Personal Budget
Track pay including distributions, expenses, and savings goals. See your savings rate and test what life changes do to your monthly cash flow.
Business ownersOpen
Withholding Estimator
See if you're over or under withheld, estimate your quarterly payments, and get a step-by-step fix — especially useful for business owners with mixed W-2 and self-employment income.
Business ownersOpen
More coming soon
Additional tools for business owners are in development. Ask your advisor what's next.
Coming soon
Financial planning
Core tools for building, managing, and monitoring your financial plan.
Allocation Calculator
See how your portfolio maps across Cadence's four time-weighted buckets. Get a recommended blended equity target and per-account allocation by tax type.
EveryoneOpen
Personal Budget
Track income, expenses, and savings goals. See your savings rate, where every dollar goes, and test real-life what-if scenarios.
EveryoneOpen
401(k) vs. Roth 401(k)
See the paycheck impact of each option today, compare after-tax retirement values, and get a clear recommendation based on your current vs. retirement tax rate.
EveryoneOpen
Vehicle Calculator
Compare the true cost of paying cash vs. financing a vehicle. See the break-even point and decide which option makes more financial sense.
EveryoneOpen
Home Affordability
Find your max purchase price based on income and debts. See the full PITI payment breakdown and compare 5%, 10%, and 20% down payment scenarios side by side.
EveryoneOpen
Tax tools
Tools to help you understand and plan around your tax situation throughout the year.
Quarterly Tax Estimator
For business owners. Enter your actual P&L each quarter and see what you owe — not an even split of last year's bill. Compare P&L vs. safe harbor.
Business ownersOpen
RMD Calculator
Calculate your Required Minimum Distribution and 5-year projection including estimated federal and state tax on each distribution.
RetireesOpen
Withholding Estimator
See if you're over or under withheld, how big the gap is, and exactly how to fix it on your W-4 or through quarterly estimated payments.
W-2 & self-employedOpen
Roth conversion analyzer
How much to convert each year, what bracket it fills to, and the long-term break-even. Coming soon.
Coming soon
401(k) vs. Roth 401(k)
Compare pre-tax vs. after-tax contributions side by side. See the paycheck impact today and the after-tax value at retirement based on your expected rate.
EveryoneOpen