> ## Documentation Index
> Fetch the complete documentation index at: https://talunavo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Who it's for

> Built for a specific person with a specific problem: a large deferred tax liability, a window of low-income years, and nobody who has ever shown them their own numbers.

export const LedgerOrnament = () => <svg className="tl-figure" viewBox="0 0 400 200" aria-hidden="true">
    <g stroke="currentColor" strokeWidth="1" opacity="0.25">
      <line x1="0" y1="40" x2="400" y2="40" />
      <line x1="0" y1="80" x2="400" y2="80" />
      <line x1="0" y1="120" x2="400" y2="120" />
      <line x1="0" y1="160" x2="400" y2="160" />
    </g>
    <g fill="currentColor" fontFamily="Inter, system-ui, sans-serif" fontSize="12" opacity="0.8">
      <text x="0" y="28">2031 · retire</text>
      <text x="400" y="28" textAnchor="end">$5.64M</text>
      <text x="0" y="68">2035 · SEPP lock ends</text>
      <text x="400" y="68" textAnchor="end">$5.21M</text>
      <text x="0" y="108">2051 · RMD wall</text>
      <text x="400" y="108" textAnchor="end">$6.02M</text>
      <text x="0" y="148">2074 · horizon</text>
      <text x="400" y="148" textAnchor="end">$7.31M</text>
    </g>
    <path d="M0 190 C 100 184, 200 160, 300 140 S 380 118, 400 110" fill="none" stroke="currentColor" strokeWidth="2" strokeLinecap="round" opacity="0.9" pathLength="1" className="tl-draw" />
  </svg>;

export const SiteFooter = () => <footer className="tl-footer">
    <div className="tl-wrap">
      <div className="tl-footer__grid">
        <div className="tl-footer__brand">
          {Wordmark({})}
          <p className="tl-caption">Retirement planning that shows its work. Tax-aware plans you can compare, trace, adopt, and check against reality.</p>
        </div>
        <div>
          <h5>Product</h5>
          <ul>
            <li><a href="/product">How it works</a></li>
            <li><a href="/product#strategies">Strategies</a></li>
            <li><a href="/product#live">Checkpoints</a></li>
            <li><a href="/principles">Principles</a></li>
          </ul>
        </div>
        <div>
          <h5>Company</h5>
          <ul>
            <li><a href="/who-its-for">Who it's for</a></li>
            <li><a href="/faq">FAQ</a></li>
            <li><a href="/get-started">Get started</a></li>
            <li><a href="https://app.talunavo.com">Open the app</a></li>
            <li><a href="mailto:support@talunavo.com">support@talunavo.com</a></li>
          </ul>
        </div>
        <div>
          <h5>Honesty</h5>
          <ul>
            <li><a href="/principles#not-advice">Not financial advice</a></li>
            <li><a href="/principles#planning-grade">Planning-grade tax</a></li>
            <li><a href="/principles#privacy">Your data stays yours</a></li>
          </ul>
        </div>
      </div>
      <div className="tl-footer__legal">
        <span>© 2026 Talunavo. Models arithmetic under stated assumptions. It is not financial, tax, or legal advice.</span>
        <span>Every figure cites its source.</span>
      </div>
    </div>
  </footer>;

export const CtaBand = ({title, lede, primary = "Try Talunavo", primaryHref = "https://app.talunavo.com", secondary = "See the product", secondaryHref = "/product", figure = null}) => <div className="tl-cta" data-reveal="">
    <div>
      <h2 className="tl-h2">{title}</h2>
      {lede ? <p className="tl-lede">{lede}</p> : null}
      <div className="tl-actions">
        {CtaLink({
  href: primaryHref,
  children: primary
})}
        {secondary ? CtaLink({
  href: secondaryHref,
  children: secondary,
  variant: "ghost",
  arrow: false
}) : null}
      </div>
    </div>
    {figure ? <div className="tl-cta__figure">{figure}</div> : null}
  </div>;

export const SectionHead = ({eyebrow, title, lede, center = false}) => <div className={["tl-section-head", center ? "tl-section-head--center" : null].filter(Boolean).join(" ")} data-reveal="">
    {eyebrow ? <p className="tl-eyebrow">{eyebrow}</p> : null}
    <h2 className="tl-h2">{title}</h2>
    {lede ? <p className="tl-lede">{lede}</p> : null}
  </div>;

export const Section = ({children, tight = false, id}) => <section id={id} className={["tl-section", tight ? "tl-section--tight" : null].filter(Boolean).join(" ")}>
    <div className="tl-wrap">{children}</div>
  </section>;

export const Glyph = ({name}) => {
  const paths = {
    compare: <path d="M4 5h6v14H4zM14 9h6v10h-6z" />,
    trace: <path d="M4 18L9 10l4 5 7-11M4 21h16" />,
    track: <path d="M3 17l5-5 4 4 9-9M15 7h6v6" />,
    tax: <path d="M4 4h16v16H4zM8 9h8M8 13h8M8 17h5" />,
    goals: <path d="M12 3v3M12 18v3M3 12h3M18 12h3M12 8a4 4 0 100 8 4 4 0 000-8z" />,
    shield: <path d="M12 3l8 3v6c0 5-3.5 8-8 9-4.5-1-8-4-8-9V6l8-3z" />,
    grid: <path d="M4 4h7v7H4zM13 4h7v7h-7zM4 13h7v7H4zM13 13h7v7h-7z" />,
    scale: <path d="M12 3v18M5 7h14M5 7l-3 7a3 3 0 006 0zM19 7l-3 7a3 3 0 006 0z" />,
    home: <path d="M3 12l9-8 9 8M5 10v10h14V10" />,
    sparkle: <path d="M12 3l2 6 6 2-6 2-2 6-2-6-6-2 6-2z" />,
    clock: <path d="M12 3a9 9 0 100 18 9 9 0 000-18zM12 8v4l3 2" />,
    lock: <path d="M6 10h12v10H6zM8 10V7a4 4 0 018 0v3" />
  };
  return <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="1.6" strokeLinecap="round" strokeLinejoin="round" aria-hidden="true">
      {paths[name] || paths.sparkle}
    </svg>;
};

export const Wordmark = ({className = ""}) => <svg className={className} viewBox="0 0 172 40" role="img" aria-label="Talunavo">
    <path d="M7 32 H15 V24 H23 V16 H31 V8" fill="none" stroke="currentColor" strokeWidth="3" strokeLinejoin="round" strokeLinecap="round" />
    <circle cx="31" cy="8" r="3" fill="var(--tl-accent-ink)" />
    <text x="46" y="27" fontFamily="Inter, system-ui, sans-serif" fontSize="22" fontWeight="600" letterSpacing="-0.5" fill="currentColor">Talunavo</text>
  </svg>;

export const CtaLink = ({href, children, variant = "primary", arrow = true}) => <a className={["tl-btn", "tl-btn--" + variant].join(" ")} href={href}>
    <span>{children}</span>
    {arrow ? <svg viewBox="0 0 16 16" fill="none" aria-hidden="true">
        <path d="M3 8h10M9 4l4 4-4 4" stroke="currentColor" strokeWidth="1.6" strokeLinecap="round" strokeLinejoin="round" />
      </svg> : null}
  </a>;

<div className="tl-page">
  <div className="tl-wrap">
    <div className="tl-pagehead">
      <p className="tl-eyebrow tl-eyebrow--accent tl-fade-up">Who it's for</p>
      <h1 className="tl-display tl-fade-up d1">“I’ll have enough. I’m not sure I’m doing the <em>smart things</em> with it.”</h1>
      <p className="tl-lede tl-fade-up d2">Talunavo is not for everyone with a brokerage account, and pretending otherwise would produce a worse product. It is tuned for a household whose decisions are worth five or six figures, where the levers are finally worth pulling.</p>
    </div>
  </div>

  <Section tight>
    <div className="tl-grid tl-grid--2">
      <div className="tl-persona" data-reveal="">
        <p className="tl-eyebrow">The prepared accumulator</p>
        <p className="tl-persona__quote">What should I be doing in the years between retirement and RMDs, and what does each choice cost me?</p>
        <p className="tl-body">Fifty-something, on track for a multi-million balance across accounts, with a large Traditional IRA at the centre of the story. Comfortable with spreadsheets, not a tax professional and knows it. Has an advisor, is shopping for one, or deliberately doesn't, and in all three cases wants their own model.</p>
      </div>

      <div className="tl-persona" data-reveal="2">
        <p className="tl-eyebrow">The bridge-builder</p>
        <p className="tl-persona__quote">Can I stop at 57? And if I do, how do I actually get at the money?</p>
        <p className="tl-body">Retiring before 59½ turns two normally boring problems into the dominant ones: reaching the IRA without the penalty, and health insurance before Medicare, where the ACA subsidy taper can make a Roth conversion astonishingly expensive. Often the first persona, five years further along.</p>
      </div>

      <div className="tl-persona" data-reveal="3">
        <p className="tl-eyebrow">The advisor-collaborator</p>
        <p className="tl-persona__quote">My advisor says convert \$120K a year through 2035. Is that right? What is it assuming?</p>
        <p className="tl-body">Pays for professional advice and intends to keep doing so. Wants to reproduce the plan they were handed, mostly to discover its unstated assumptions: what return, what inflation, does it model IRMAA, does it assume the survivor keeps filing jointly. The value is not second-guessing the advisor. It is converting a forty-page PDF into a model you can poke.</p>
      </div>

      <div className="tl-persona" data-reveal="4">
        <p className="tl-eyebrow">The recently retired steward</p>
        <p className="tl-persona__quote">I made this plan three years ago. Is it still the plan?</p>
        <p className="tl-body">Decumulating, executing a plan. Markets returned more than modelled, inflation ran hot for two years, spending settled higher than projected. Wants to know whether any of that changes the conversion schedule. The persona most under-served by every existing tool, and the one checkpoints exist for.</p>
      </div>
    </div>
  </Section>

  <Section tight>
    <SectionHead eyebrow="Explicitly not for" title="Honesty about where the value is." />

    <div className="tl-grid tl-grid--3">
      <div className="tl-card" data-reveal="">
        <h3 className="tl-h4">Early accumulators with simple finances</h3>
        <p className="tl-body">A thirty-year-old with a 401(k) and index funds needs "save more, keep costs low", not a tax engine.</p>
      </div>

      <div className="tl-card" data-reveal="2">
        <h3 className="tl-h4">Anyone seeking a recommendation</h3>
        <p className="tl-body">The tool refuses to tell you what to do. Someone who wants an answer handed to them will find it frustrating, correctly.</p>
      </div>

      <div className="tl-card" data-reveal="3">
        <h3 className="tl-h4">Traders and market-timers</h3>
        <p className="tl-body">Nothing here operates on a horizon shorter than a year, by design.</p>
      </div>
    </div>
  </Section>

  <Section>
    <CtaBand title="If you recognised yourself above, we would like to hear from you." lede="Early access is being opened household by household. Tell us which question keeps you up." secondary="See the product" secondaryHref="/product" figure={<LedgerOrnament />} />
  </Section>

  <SiteFooter />
</div>


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