Not Seeing the Value in Boldin & Right Capital Subscriptions I recently started a 30-day free trial of Right Capital and a 14-day free trial of Boldin (PlannerPlus) to see if there was anything in these products beyond my own modeling in Excel/Google Sheets, and I'm kind of scratching my head as to the value add here. As far as making projections based on static rate of return assumptions, there's no additional insight here beyond what I can get from one of the free Monte Carlo calculators online. I had assumed that the special sauce here was going to be recommendations on withdrawal strategies and Roth conversions, but the trial so far has been a disappointment on both counts. For some background, I'd like to retire in 8-10 years in my mid/late 50s. I max my traditional 401(k) as I pay 24% federal and almost 9% state tax at the margin, but have sufficient Roth and taxable assets such that I project my tax-deferred assets to be no more than 45% of my portfolio at retirement.…