From their site: "If you could go back in time and give a younger you advice about money management, what would you say? Not Biff from ‘Back To The Future’ advice, on who wins the world series, or a horse race, but advice on real tools and techniques you could use to live better, financially speaking. Unfortunately we can’t go back in time, and we can’t fix the past. In the here and now, we are the sum total of both our good and bad financial decisions. At Personal Capital, we’re turning our attention away from time travel into the past and instead focusing on predicting the future – your financial future. Today, we’re announcing the launch of our new Retirement Planner – designed to help you forecast your retirement readiness by assessing your current financial situation, portfolio, spending, savings and retirement goals."