A financial
control center.

Most retirement calculators run on guesses. How much do you have, roughly, in your 401(k)? Your Roth? Your taxable accounts? Your crypto? And how much will you spend, roughly, once you retire? Then they run their math on those rough numbers and tell you whether you can retire at sixty-five. Real planning doesn’t work that way.

Thermal connects the accounts you already have. Real balances, real allocations, real tax treatment. It also tracks what you actually spend, so the spending question stops being a guess: start from your real number today, and subtract what goes away once you stop working. The Bridge ties it all to your retirement date. Model a Roth conversion, shift an allocation, change a contribution rate, and see exactly when you can stop working. The question isn’t whether you can retire at sixty-five. The question is whether you can retire at fifty.

I’ve spent nearly two decades building consumer-facing platforms. Most recently, I led engineering for the Epic Games Store with a team of around fifty. Before Epic, language infrastructure at Twitter (now X). The full career path is on LinkedIn if you want it.

I built Thermal because I wanted it. My money was scattered across brokerages, checking accounts, credit cards, and crypto, and no single tool gave me a clean view of all of it or let me plan retirement against my actual balances. It turned out a lot of people have the same problem, so it became a product worth selling.

Outside of Thermal, I also write High Earner Playbook, a weekly newsletter on tax strategy, credit card rewards, and wealth building.

Thermal isn’t venture-backed and won’t be. No board pushing for aggressive monetization, no data team repackaging your transactions as an advertising product, no growth team engineering you into buying things you don’t need. The priority is a great product, not a great exit.

The commitment is simple. I use Thermal every day. I’ll keep using it, keep improving it, and keep listening to feedback. As Thermal grows, so will the product: better data aggregation, more robust financial instrument coverage, new capabilities that earn their place. I’m in this for the long haul.