Monday, 31 August 2026 04:20 PM
Company Update
A modern fintech solution is assisting households in translating long-term savings into a clearer view of retirement income streams - before any professional consultations.
PLANO, TX / ACCESS Newswire / August 31, 2026 / The generation holding the largest share of U.S. household wealth is moving through retirement with a critical disadvantage: accumulated assets do not automatically become reliable, predictable retirement income.
Millions of Americans have spent decades saving through 401(k)s, IRAs, 403(b)s, brokerage accounts, and other market-based investments. But an account balance alone does not explain how much income those assets may support, how market volatility could affect withdrawals, or how long the money may need to last.
Aftura is building a simpler way to understand that transition.
The retirement fintech company has developed RetireIQ, a proprietary digital tool that helps savers examine how their assets, retirement timing, future contributions, and asset mix may shape their retirement-income picture.
From Saving Money to Understanding Income
Retirement changes the central financial question.
During the working years, the goal is generally to save and accumulate. As retirement approaches, the question becomes how those savings may support spending once regular paychecks stop.
That shift can be difficult to understand. Inflation, market timing, longevity, taxes, healthcare costs, Social Security, and changing income needs can all affect the outcome.
The Federal Reserve's data illustrate the challenge. Its Distributional Financial Accounts show that baby boomers hold the largest share of U.S. household wealth. At the same time, the Federal Reserve's 2025 Survey of Household Economics and Decisionmaking found that only 35% of non-retirees believed their retirement savings plan was on track. Forty-three percent said it was not, while 21% did not know.
Together, those findings point to a meaningful disconnect: substantial wealth has been accumulated, but many Americans remain uncertain about what it may support.
View the Federal Reserve's household wealth data and 2025 household survey.
A Proprietary Retirement-Intelligence Tool
RetireIQ helps users move beyond the account balance.
The digital experience uses high-level information about savings, retirement timing, expected contributions, and asset mix to create a hypothetical retirement-income illustration. It then explains several factors that may strengthen or place pressure on the user's retirement picture.
Rather than treating a single number as the answer, RetireIQ helps users see the questions behind it.
The experience is designed to give consumers a clearer starting point before they make important decisions. It does not attempt to replace a complete financial review, and its results are not precise predictions or guarantees.
Serving an Overlooked Part of the Market
Aftura focuses on households with approximately $250,000 to $4 million in retirement assets.
This segment can find itself between two very different service models. Automated investment platforms may offer efficiency but limited personal context. Private wealth firms may be structured around larger relationships, higher minimums, or more complex services than many households need.
Yet households in this range still face consequential questions about retirement income, market exposure, inflation, taxes, Social Security, Medicare, and the transition from saving to spending.
Aftura's model begins with technology. RetireIQ gives consumers an initial framework for understanding their position before the conversation becomes centered on a particular strategy or financial product.
When someone needs to continue beyond the digital experience, Aftura works with retirement strategists across the United States to provide a path from technology-driven insight to a human conversation.
The technology helps consumers arrive better informed. The strategist can then consider the fuller circumstances that an online tool cannot see.
Building a Broader Retirement Fintech Platform
RetireIQ is the foundation of Aftura's broader retirement-intelligence platform.
Aftura plans to continue expanding the technology with more connected ways to explore retirement income, inflation, Social Security, Medicare, taxes, healthcare costs, and retirement timing. Future development will focus on making it easier for consumers to compare scenarios, understand tradeoffs, and identify the questions that matter most to their circumstances.
The long-term goal is to create a more connected retirement experience-one that begins with a person's savings, translates those assets into understandable income questions, and supports a more productive next conversation.
For savers approaching retirement, the objective is simple: greater clarity about what they have, what it may support, and what they may need to consider next.
RetireIQ is available at aftura.com/retireiq.
About Aftura
Aftura is a U.S. retirement fintech company building technology that helps consumers better understand how their savings may support life after work. Its proprietary RetireIQ platform and related retirement tools address income, inflation, Social Security, Medicare, taxes, and other considerations that can shape retirement.
Aftura serves consumers with above $250,000 in retirement assets, and maintains relationships with appropriately licensed professionals across the United States.
Aftura provides educational technology and general information, not individualized investment, insurance, tax, legal, or financial advice through its public website. RetireIQ results are hypothetical illustrations based on simplified assumptions and user-provided information. Actual outcomes may differ, and the platform offers connections to properly licensed professionals.
Media Contact
Aftura Media Relations
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SOURCE: Aftura Technologies