Services & Plans
Reed Financial Lab isn't a single service. Everyone starts with Lab Access — our self-guided platform — and upgraded plans add advanced support like one-on-one coaching and the Decision Center.
Individual
Individual Lab Access
Self-guided financial tools for clients who want to organize and monitor their finances independently. Includes the RFL dashboard, budgeting, debt, savings, goals, retirement tools, connected financial information, and progress tracking. Individual coaching is not included.
Decision Center: unlimited basic scenarios. Advanced unlocks $19 each or $59/year pass.
Best for
People comfortable managing their own plan who primarily need organization, visibility, and tracking.
- RFL dashboard with budgeting, debt, and savings tools
- Goal tracking and net worth
- Retirement planning tools
- Connected financial information via Plaid
- Progress tracking
Individual Guided
Ongoing financial coaching combined with the RFL dashboard. Includes an initial financial review, personalized priorities, monthly coaching, progress monitoring, accountability, and adjustments as the client's situation changes.
Decision Center: all advanced scenarios included at no extra charge.
Best for
People who understand some of what they need to do but want personalized guidance, accountability, and ongoing support.
- Everything in Individual Lab Access
- Initial financial review
- Personalized priorities
- Monthly coaching sessions
- Progress monitoring and accountability
- Adjustments as your situation changes
Individual Financial Foundation
A structured three-month coaching program with six sessions. Includes a comprehensive review of cash flow, spending, debt, emergency savings, goals, and retirement readiness, followed by a prioritized financial action plan and coaching through implementation.
Decision Center: all advanced scenarios plus one coach review included.
Best for
People who need a complete financial reset, have several connected concerns, or want concentrated support to build a strong foundation.
- Everything in Individual Guided
- Six coaching sessions over three months
- Comprehensive review of cash flow, spending, and debt
- Emergency savings and goal assessment
- Retirement readiness review
- Prioritized financial action plan
- Coaching through implementation
Household
Household Lab Access
Self-guided financial tools for two adults managing a household together. Includes a shared household dashboard with separate adult profiles, budgeting, debt, savings, goals, retirement tools, authorized financial information, and household progress tracking. Individual coaching is not included.
Decision Center: unlimited basic scenarios. Advanced unlocks $19 each or $59/year pass.
Best for
Households comfortable managing their own finances that want one organized view of their shared financial picture.
- Shared household dashboard with separate adult profiles
- Budgeting, debt, savings, and goals
- Retirement planning tools
- Authorized shared financial information
- Household progress tracking
Household Guided
Ongoing household financial coaching combined with the shared RFL dashboard. Includes an initial household review, shared priorities, monthly coaching, accountability, progress monitoring, and assistance coordinating financial decisions between both adults.
Decision Center: all advanced scenarios included at no extra charge.
Best for
Households that want continuing guidance and accountability while working toward shared financial goals.
- Everything in Household Lab Access
- Initial household financial review
- Shared priorities and planning
- Monthly household coaching sessions
- Accountability and progress monitoring
- Coordinated financial decisions between both adults
Household Financial Foundation
A structured three-month household coaching program with six sessions. Includes a comprehensive review of household cash flow, spending, debt, emergency savings, goals, and retirement readiness, followed by a coordinated action plan for both adults.
Decision Center: all advanced scenarios plus one coach review included.
Best for
Households with several connected financial priorities that need an organized reset and concentrated coaching support.
- Everything in Household Guided
- Six coaching sessions over three months
- Comprehensive household cash flow and spending review
- Debt, emergency savings, and goal assessment
- Retirement readiness review for both adults
- Coordinated household action plan
- Coaching through implementation
Scenario planning at every level
Every plan includes unlimited basic scenarios. Unlock advanced analysis per decision for $19, or get an annual pass for $59. Guided and Foundation plans include Advanced plus a coach review at the discounted member price.
Basic
Included with every planFree
Core affordability insights for every scenario.
- Monthly payment estimate
- Total interest over the loan term
- Down payment needed
- Debt-to-income (DTI) impact
- Time-to-readiness snapshot
Advanced
Lab Access add-on$19 / scenario or $59 / year
Deeper analysis including tax, amortization, and projections.
- Your decision priced four ways — including a custom scenario builder
- Tax impact estimates
- Full amortization schedule
- Sensitivity analysis (rate, price, term)
- Cash-flow impact over time
- Year-by-year projections
Advanced + Coach Review
Included with Guided & FoundationIncluded
All Advanced outputs plus a written review from your coach.
- Everything in Advanced
- Coach-written feedback on your scenario
- Preliminary tax adjustment notes
- Final branded review PDF
- One scheduled review meeting
Coaching plan members (Guided, Foundation, Continuity) can add standalone reviews at the discounted member price of $99 instead of $150. Lab Access members pay the full $150.
Tax & Retirement tools
Two optional add-ons for clients who want deeper planning around taxes and retirement income. Available as individual tools or bundled together.
Tax Planning & Readiness
An annual tax-planning estimate built from your household numbers — income, withholding, retirement contributions, and deductions.
- Baseline federal and state tax estimate
- Up to three comparison scenarios
- Withholding review and 1099 reserve guidance
- Year-end updated estimate
Educational estimates only — not tax preparation or filing advice.
Retirement Income Strategy
Interactive tools that model your retirement income, including RMDs, Social Security claiming strategies, and Roth conversion what-ifs.
- Required minimum distribution tracking
- Social Security claiming-age break-even analysis
- Spousal and survivor benefit modeling
- Roth conversion explorer
Educational estimates only — not tax preparation or filing advice.
Every plan also includes Money Basics — an in-app AI assistant that answers everyday money questions in plain language, from IRA contribution limits to emergency-fund targets.
Not sure which plan fits?
Schedule a free consultation and we'll help you choose the right level of support.
Pricing is subject to change. Current rates are displayed at the time of enrollment. If we increase pricing for your plan, we will provide notice at least 30 days before the change takes effect. See our Terms of Service for details.