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46             flex flex-col items-center justify-center" data-astro-cid-ge2uvauf><span class="block text-center max-w-full" data-astro-cid-ge2uvauf>Plan your richest</span><span class="block text-center max-w-full" data-astro-cid-ge2uvauf>life.</span></h1><!-- Device area: phone on mobile, tablet on sm+ --><div class="relative mx-auto mt-24 min-[800px]:mt-6 h-[590px] min-[800px]:h-auto" data-astro-cid-ge2uvauf><div class="pointer-events-none absolute inset-x-0 bottom-0 w-full h-[590px] min-[800px]:h-[362px] lg:h-[462px]
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47class="rounded-tl-[18px] rounded-tr-[18px] w-full block"></div></div></div><!-- Text block below --><div class="mt-20 max-w-[800px] flex flex-col gap-10" data-astro-cid-ge2uvauf><h2 data-animate="fade-up" class="font-crimson font-normal text-black leading-[1] tracking-[-3%]
48               text-[50px] min-[800px]:text-[54px] lg:text-[60px]" data-astro-cid-ge2uvauf>Gilded is a future-focused financial planning app for a new generation of wealth builders.</h2><p data-animate="fade-up" data-delay="100" class="font-crimson text-gilded-gold text-[24px]" data-astro-cid-ge2uvauf>Through accurate projections, easy data tracking, and seamless simulations, we empower you to take control of your money and be your own best advisor. You don’t have to guess your financial future. You can know.</p><div data-animate="fade-up" data-delay="200" class="flex flex-col min-[800px]:flex-row flex-wrap gap-5" data-astro-cid-ge2uvauf><a href="https://app.gildedfinancial.com" class="inline-flex items-center justify-center min-[800px]:justify-start gap-3 rounded-lg bg-black px-7 py-3.5 font-dm-sans font-bold text-white hover:opacity-90 transition" data-astro-cid-ge2uvauf>Start your plan <span aria-hidden="true" data-astro-cid-ge2uvauf>→</span></a><a href="/#how-it-works" class="inline-flex items-center justify-center min-[800px]:justify-start rounded-lg border-2 border-black px-7 py-3.5 font-dm-sans font-bold text-black hover:bg-black hover:text-white transition" data-astro-cid-ge2uvauf>See how it works</a></div></div></div></section><section id="how-it-works" class="py-12 lg:py-14 bg-white"><div class="container-wide"><div class="grid grid-cols-1 md:grid-cols-3 gap-12 lg:gap-16"><div data-animate="fade-up" data-delay="0" class="flex flex-col gap-5"><div class="w-full border-t border-border-gold" aria-hidden="true"></div><svg width="24" height="24" viewBox="0 0 24 24" fill="none" class="w-6 h-6">
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51</svg><h3 class="font-crimson text-black text-[24px] tracking-[-3%]">Financial Projections</h3><p class="font-dm-sans tracking-[-0.5%] leading-[1.4]">More than a retirement calculator, Gilded helps you make accurate projections across every area of your finances. You deserve to know what the future holds, whether there’s enough in your FHSA to buy a home five years from now or how much CPP you’ll receive in retirement. We run calculations that show you your projected income, income taxes, investment balances, and inflation-adjusted expenses, and more for every single year of your life. </p></div><div data-animate="fade-up" data-delay="100" class="flex flex-col gap-5"><div class="w-full border-t border-border-gold" aria-hidden="true"></div><svg width="24" height="24" viewBox="0 0 24 24" fill="none" class="w-6 h-6">
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62</svg><h3 class="font-crimson text-black text-[24px] tracking-[-3%]">Unbiased Data</h3><p class="font-dm-sans tracking-[-0.5%] leading-[1.4]">Gilded gives you clear data for confident decision-making. We effortlessly present numbers so you can get in and get out without feeling overwhelmed. You don’t have to agonize about how to factor in inflation or whether to choose the TFSA over RRSP. We do all the calculations for you, so you can see exactly what the numbers say. At Gilded we believe accurate calculations lead to optimal choices. This is the future of financial planning.</p></div><div data-animate="fade-up" data-delay="200" class="flex flex-col gap-5"><div class="w-full border-t border-border-gold" aria-hidden="true"></div><svg width="24" height="24" viewBox="0 0 24 24" fill="none" class="w-6 h-6">
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71</svg><h3 class="font-crimson text-black text-[24px] tracking-[-3%]">Detailed Simulations</h3><p class="font-dm-sans tracking-[-0.5%] leading-[1.4]">Do you want to buy a home or take an around the world trip? Let us help you decide how to live your richest life right now, without compromising your future. Gilded’s Financial Plans let you simulate different money decisions to see the impact on your net worth, today and tomorrow. Whether you plan to leave a legacy or Die With Zero, you can create a plan that reflects your financial dreams.</p></div></div></div></section><section class="py-12 lg:py-14 bg-white"><div class="container-wide"><div data-animate="fade-in" class="relative rounded-[1.75rem] overflow-hidden bg-cover bg-center
72             aspect-[16/9] lg:aspect-[21/10]" style="background-image: url(/_astro/Hero.Chk3Fe25.png);"><div class="absolute inset-0 cta-overlay-gradient" aria-hidden="true"></div><div class="absolute top-8 left-2 sm:top-12 sm:left-12 lg:top-16 lg:left-16"><h2 class="font-crimson font-medium text-white
73                 text-[48px] sm:text-[clamp(88px,10vw,160px)]
74                 leading-[0.95] tracking-tight max-w-[12ch]">Made to Evolve</h2><p class=" text-white
75                 text-[24px] sm:text-[32px] lg:text-[40px]
76                 font-crimson leading-[1.4] tracking-[-4%]">Life isn't linear. Your finances shouldn't be static.</p></div></div><p data-animate="fade-up" data-delay="100" class="text-[16px] lg:text-[20px] mt-6 font-dm-sans max-w-[720px] tracking-[-0.5%] leading-[1.4]">Whether you're planning CoastFI or a fully-funded maternity leave, Gilded is ready. Our process transcends seasons so you can plan, visualize, and optimize your money at every stage of life. If you’ve been trying to figure it all out on your own with spreadsheets and calculators, leave it with us and get back to living. Life's too short only to want one thing — do it all and have it all with Gilded.</p></div></section><section class="bg-white py-20"><div class="mx-auto px-6 lg:px-8"><div class="grid sm:grid-cols-2 gap-10"><div data-animate="slide-left"><h2 class="font-crimson font-normal text-black mb-6 text-[50px] leading-[95%] tracking-[-0.03em] sm:text-[54px] sm:leading-[90%] lg:text-[60px] lg:leading-[90%]">Where wealth <br> is the norm</h2><p class="text-black text-[16px] leading-[140%] tracking-[-0.005em] sm:text-[20px] lg:text-[20px]">We’re creating a reality where generational wealth & financial independence are the norm. We believe anyone can plan their way to financial freedom with the right tools. Gilded uses cutting-edge technology and timeless financial principles to help you become the millionaire next door.</p><br><p class="font-crimson font-normal text-gilded-gold text-[24px] leading-[120%] tracking-[-0.03em]">THE 1% JUST GOT BIGGER</p></div><div data-animate="slide-right" data-delay="100"><img src="/.netlify/images?url=_astro%2FImpact.B7q1AtPy.png&amp;w=600&amp;h=400" alt="gilded on mobile" loading="lazy" decoding="async" width="600" height="400" class="rounded-xl shadow-xl h-full object-cover"></div></div></div></section><section class="pt-16 lg:pt-20 pb-16 lg:pb-20"><div class="max-w-screen-4xl mx-auto px-6 lg:px-8 mb-16 lg:mb-20"><div class="w-full border-t border-border-gold" aria-hidden="true"></div></div><div class="mx-auto max-w-[800px] px-6 lg:px-8"><div class="lg:max-w-4xl lg:mx-auto mb-2 flex flex-col gap-[16px]"><h2 data-animate="fade-up" class="font-crimson font-normal text-black text-left lg:text-center text-[50px] leading-[95%] tracking-[-0.03em] sm:text-[54px] sm:leading-[90%] lg:text-[60px] lg:leading-[90%] lg:whitespace-nowrap">Loved by planners everywhere</h2><p data-animate="fade-up" data-delay="100" class="text-[20px] leading-[140%] tracking-[-0.005em] text-left lg:text-center text-gilded-gold mb-12">Here's what people are saying</p></div><div class="flex flex-col gap-8"><div data-animate="fade-up" data-delay="0" class="bg-white rounded-2xl p-6 md:p-8 border border-border-gold/50"><div class="flex items-start justify-between mb-6"><div class="flex gap-4"><!-- Avatar --><div class="flex-shrink-0 w-12 h-12 rounded-lg overflow-hidden"><img src="/.netlify/images?url=_astro%2FSmiley1.BjaeVwb4.png&amp;w=48&amp;h=48" alt loading="lazy" decoding="async" width="48" height="48" class="w-full h-full object-cover"></div><div class="flex flex-col gap-1"><p class="font-crimson font-normal text-black text-[24px] leading-[120%] tracking-[-0.03em]">Kirsten</p><p class="font-roboto-mono font-normal text-gray-500 text-[12px] leading-[140%] tracking-[-0.01em]">AGE 35</p></div></div><img src="/.netlify/images?url=_astro%2FQuote.BBC-284J.png&amp;w=48&amp;h=32" alt="quote" loading="lazy" decoding="async" width="48" height="32" class="flex-shrink-0 opacity-60"></div><p class="font-dm-sans font-normal text-gray-800 text-[16px] leading-[140%] tracking-[-0.005em]">"…Gilded allowed me to play with different scenarios of how I could use and enjoy that money now, and it led to me buying a house in a 
76neighbourhood that I had always dreamed of moving to… I was able to feel confident using my money to prioritize today&#39;s happiness, rather than my usual stockpiling and worrying about the future."</p></div><div data-animate="fade-up" data-delay="150" class="bg-white rounded-2xl p-6 md:p-8 border border-border-gold/50"><div class="flex items-start justify-between mb-6"><div class="flex gap-4"><!-- Avatar --><div class="flex-shrink-0 w-12 h-12 rounded-lg overflow-hidden"><img src="/.netlify/images?url=_astro%2FSmiley2.0b6QjebV.png&amp;w=48&amp;h=48" alt loading="lazy" decoding="async" width="48" height="48" class="w-full h-full object-cover"></div><div class="flex flex-col gap-1"><p class="font-crimson font-normal text-black text-[24px] leading-[120%] tracking-[-0.03em]">Jessica</p><p class="font-roboto-mono font-normal text-gray-500 text-[12px] leading-[140%] tracking-[-0.01em]">AGE 40</p></div></div><img src="/.netlify/images?url=_astro%2FQuote.BBC-284J.png&amp;w=48&amp;h=32" alt="quote" loading="lazy" decoding="async" width="48" height="32" class="flex-shrink-0 opacity-60"></div><p class="font-dm-sans font-normal text-gray-800 text-[16px] leading-[140%] tracking-[-0.005em]">"I love being able to make changes to see how life events could impact my finances. I just had my second kid and tinkering with some of the retirement projections has given me the confidence to spend more money during my maternity leave to make this period of my life more enjoyable."</p></div></div></div></section><section class="bg-white py-16 lg:py-20"><div class="container-wide"><!-- Image with overlaid text --><div data-animate="fade-in" class="relative rounded-[1.5rem] overflow-hidden aspect-[16/10] bg-cover bg-center" style="background-image: url(/_astro/amélie-haberleitner-dupe.Cl_Rbpfh.jpeg);"><div class="absolute inset-0 bg-black/40" aria-hidden="true"></div><div class="absolute inset-0 flex flex-col justify-start pt-8 lg:pt-12 px-8 lg:px-12"><h2 class="font-crimson font-normal text-white text-[48px] leading-[90%] tracking-[0em] sm:text-[clamp(88px,10vw,160px)] sm:leading-[85%] sm:tracking-[-0.05em]">Be wealthy<br>by choice,<br>not chance.</h2></div></div><!-- Stats: 3 columns on desktop, stacked on mobile --><div class="grid grid-cols-1 md:grid-cols-3 gap-8 mt-10 lg:mt-12"><div data-animate="fade-up" data-delay="0" class="flex flex-col gap-2"><h3 class="font-crimson font-normal text-black text-[32px] leading-[110%] tracking-[-0.04em] sm:text-[40px] sm:leading-[105%]">Over 6k Users</h3><p class="font-dm-sans font-normal text-gilded-gold text-[20px] leading-[140%] tracking-[-0.005em] text-left">6,750 registered users are using Gilded already, and you’re next. Sign up now to see your financial future.</p></div><div data-animate="fade-up" data-delay="100" class="flex flex-col gap-2"><h3 class="font-crimson font-normal text-black text-[32px] leading-[110%] tracking-[-0.04em] sm:text-[40px] sm:leading-[105%]">3x Richer</h3><p class="font-dm-sans font-normal text-gilded-gold text-[20px] leading-[140%] tracking-[-0.005em] text-left">People with a financial plan retire 3x richer than those without. Don’t hold yourself back from the rich life you deserve. Join Gilded and grow your wealth.</p></div><div data-animate="fade-up" data-delay="200" class="flex flex-col gap-2"><h3 class="font-crimson font-normal text-black text-[32px] leading-[110%] tracking-[-0.04em] sm:text-[40px] sm:leading-[105%]">78% Happier</h3><p class="font-dm-sans font-normal text-gilded-gold text-[20px] leading-[140%] tracking-[-0.005em] text-left">78% of people say having a financial plan improved their overall happiness. If you want to eliminate money stress, maximize financial security, and dream big, Gilded is here for you.</p></div></div></div></section><section id="pricing" class="bg-white py-16 lg:py-20" x-data="{ monthly: false }"><div class="container-wide mb-16 lg:mb-20"><div class="w-full border-t border-border-gold" aria-hidden="true"></div></div><div class="container-wide flex flex-col gap-10"><!-- Header --><h2 data-animate="fade-up" class="font-crimson font-normal text-black text-center text-[50px] leading-[95%] tracking-[-0.03em] sm:text-[54px] sm:leading-[90%] lg:text-[60px] lg:leading-[90%]">Start building your plan today.</h2><p data-animate="fade-up" data-delay="100" class="font-dm-sans font-normal text-gray-800 text-[16px] leading-[140%] tracking-[-0.005em] text-center max-w-xl mx-auto mb-12">We're on a mission to put wealth within reach for as many people as possible. That's why Gilded offers multiple ways to play, allowing you to build your riches on your terms. Get started by exploring our<span class="text-gold-primary font-medium">free &amp; premium plans today</span>.</p><div data-animate="fade-up" class="flex justify-center -mt-6 mb-4"><div class="inline-flex rounded-full border border-border-stone/40 bg-white p-1" role="group" aria-label="Billing period"><button type="button" class="rounded-full px-6 py-2 font-dm-sans text-sm font-medium transition cursor-pointer" x-bind:class="monthly ? 'bg-black text-white' : 'text-black hover:bg-gray-50'" x-bind:aria-pressed="monthly.toString()" x-on:click="monthly = true">Monthly</button><button type="button" class="rounded-full px-6 py-2 font-dm-sans text-sm font-medium transition cursor-pointer" x-bind:class="monthly ? 'text-black hover:bg-gray-50' : 'bg-black text-white'" x-bind:aria-pressed="(!monthly).toString()" x-on:click="monthly = false">Annual<span class="ml-1 rounded-full bg-gold-accent px-2 py-0.5 text-xs text-black">Save 24%</span></button></div></div><!-- Pricing cards: Premium elevated at top, Basic offset down (floating halfway through) --><div class="grid grid-cols-1 md:grid-cols-2 gap-8 lg:gap-10 mx-auto md:items-start"><div data-animate="slide-left" class="relative rounded-2xl p-6 lg:p-8 md:mt-32 lg:mt-36 border border-border-stone/40" style="box-shadow: 0px 1px 2px -1px #0000001A, 0px 1px 3px 0px #0000001A;"><div class="flex flex-col gap-2"><h3 class="font-crimson font-normal text-black text-[40px] leading-[105%] tracking-[-0.04em] mb-1">Basic</h3><p class="font-dm-sans font-normal text-[#92733A] text-[20px] leading-[140%] tracking-[-0.005em]">For the money minimalist.</p><p class="font-dm-sans text-[#92733A] text-[20px] leading-[140%] tracking-[-0.005em]">Get started with limited features and no customizations.</p></div><div class="flex items-baseline gap-1 my-6"><span class="font-dm-sans font-normal text-black text-[64px] leading-[100%] tracking-[-0.04em] sm:text-[80px]">$0</span><span class="font-dm-sans font-normal text-black text-[16px] leading-[140%] tracking-[-0.005em]">forever</span></div><a href="https://app.gildedfinancial.com" class="inline-flex items-center justify-center w-full rounded-xl px-6 py-3.5 font-dm-sans font-medium transition border border-black text-black bg-white hover:bg-gray-50">Start Free</a><ul class="mt-6 space-y-3"><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Asset projections - Unlimited</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Debt projections - Unlimited</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Net worth tracking - 6 months</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>
76Financial plans - 1 plan</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Retirement age - Fixed at 65</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>CPP calculation - Average estimate</li></ul></div><div data-animate="slide-right" class="relative rounded-2xl p-6 lg:p-8  border-2 border-gold-accent" style="box-shadow: 2px 2px 8px 0px #382E2633, 8px 4px 24px 2px #382E2629;"><div class="absolute -top-[18px] left-1/2 -translate-x-1/2 w-[200px] h-[37px] flex items-center justify-center rounded-[40px] px-4 py-1 bg-gold-accent text-black font-crimson font-normal text-[24px] leading-[120%] tracking-[-0.03em]">Most Popular</div><div class="flex flex-col gap-2"><h3 class="font-crimson font-normal text-black text-[40px] leading-[105%] tracking-[-0.04em] mb-1">Premium</h3><p class="font-dm-sans font-normal text-[#92733A] text-[20px] leading-[140%] tracking-[-0.005em]">For the millionaire in the making.</p><p class="font-dm-sans text-[#92733A] text-[20px] leading-[140%] tracking-[-0.005em]">Full access to every feature.<br> <span class="font-bold">See your entire financial future and start living your rich life right now.</span></p></div><div class="flex items-baseline gap-1 my-6"><span class="font-dm-sans font-normal text-black text-[64px] leading-[100%] tracking-[-0.04em] sm:text-[80px]" x-text="monthly ? '$27' : '$20.58'">$20.58</span><span class="font-dm-sans font-normal text-black text-[16px] leading-[140%] tracking-[-0.005em]" x-text="monthly ? '/ month' : '/ mo'">/ mo</span></div><p class="font-dm-sans font-normal text-gray-600 text-[16px] leading-[140%] tracking-[-0.005em] -mt-4 mb-6" x-text="monthly ? 'Billed monthly' : 'Billed annually at $247/year'">Billed annually at $247/year</p><a href="https://app.gildedfinancial.com/upgrade?plan=annual" x-bind:href="monthly ? 'https://app.gildedfinancial.com/upgrade?plan=monthly' : 'https://app.gildedfinancial.com/upgrade?plan=annual'" class="inline-flex items-center justify-center w-full rounded-xl px-6 py-3.5 font-dm-sans font-medium transition bg-black text-white hover:opacity-90">Start Premium Plan →</a><ul class="mt-6 space-y-3"><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Asset projections - Unlimited</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Debt projections - Unlimited</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Net worth tracking - Full history &amp; future</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>
76Financial plans - Unlimited</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Retirement age - Any age</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>CPP calculation - Custom amount &amp; age</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Custom rates &amp; amortization - Inflation, interest, payments &amp; more</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Joint/spousal planning</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Cash flow priorities - Save, spend &amp; debt repayment</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>Milestone markers - CoastFI, FIRE &amp; more</li><li class="flex items-start gap-2 font-dm-sans text-gray-800 text-sm lg:text-base"><svg class="flex-shrink-0 w-5 h-5 text-[#799970] mt-0.5" fill="currentColor" viewBox="0 0 20 20" aria-hidden="true"><path fill-rule="evenodd" d="M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z" clip-rule="evenodd"></path></svg>RRSP over-contribution alert</li></ul><a href="/premium" class="mt-8 inline-flex items-center gap-2 font-dm-sans font-medium text-[16px] text-black hover:opacity-70 transition">Learn more about Premium <span aria-hidden="true">→</span></a></div></div></div></section><section class="bg-white section-padding-md"><div class="container-wide mb-16 lg:mb-20"><div class="w-full border-t border-border-gold" aria-hidden="true"></div></div><div class="container-wide"><!-- Header --><h2 data-animate="fade-up" class="font-crimson font-normal text-black text-left lg:text-center text-[50px] leading-[95%] tracking-[-0.03em] sm:text-[54px] sm:leading-[90%] lg:text-[60px] lg:leading-[90%] mb-4">How Gilded Works</h2><p data-animate="fade-up" data-delay="100" class="font-dm-sans font-normal text-gilded-gold text-[20px] leading-[140%] tracking-[-0.005em] text-left lg:text-center mx-auto mb-16">We've stripped away the complexity of traditional financial planning. Three simple steps to total clarity.</p><!-- Feature blocks: on mobile always stack image → heading → description --><div class="space-y-16 lg:space-y-24"><div class="grid md:grid-cols-2 gap-16 lg:gap-12 lg:items-center"><div data-animate="slide-left" class="order-2 md:order-1"><h3 class="font-crimson font-normal text-black text-[32px] leading-[110%] tracking-[-0.04em] sm:text-[40px] sm:leading-[105%] mb-4">Financial Projections Based on Historical Data &amp; Custom Scenarios</h3><p class="font-dm-sans font-normal text-gray-700 text-[20px] leading-[140%] tracking-[-0.005em]">We believe in leaving your money decisions up to calculations, not chance. Gilded helps you confidently plan your future based on personal data. You enter your Income, Expenses, Assets, and Debts, and we take care of the rest. You know what your present looks like, let us show you how rich your financial future can be.</p></div><div data-animate="slide-right" class="order-1 md:order-2 rounded-2xl overflow-hidden w-full flex items-center justify-center min-h-[240px] isolate"><img src="/.netlify/images?url=_astro%2FFinancialDataPad.C8Vmgcqz.png&amp;w=2841&amp;h=2052" srcset="/.netlify/images?url=_astro%2FFinancialDataPad.C8Vmgcqz.png&amp;w=400&amp;h=289 400w, /.netlify/images?url=_astro%2FFinancialDataPad.C8Vmgcqz.png&amp;w=600&amp;h=433 600w, /.netlify/images?url=_astro%2FFinancialDataPad.C8Vmgcqz.png&amp;w=800&amp;h=578 800w" alt="Assets &amp; Liabilities dashboard" sizes="(max-width: 1024px) 100vw, 50vw" loading="lazy" decoding="async" width="2841" height="2052" 
76class="w-full h-auto object-contain"></div></div><div class="grid md:grid-cols-2 gap-16 lg:gap-12 lg:items-center"><div data-animate="slide-left" class="rounded-2xl overflow-hidden w-full flex items-center justify-center min-h-[240px] isolate"><img src="/.netlify/images?url=_astro%2FPlan.CUnHhVNZ.png&amp;w=2272&amp;h=1352" srcset="/.netlify/images?url=_astro%2FPlan.CUnHhVNZ.png&amp;w=400&amp;h=238 400w, /.netlify/images?url=_astro%2FPlan.CUnHhVNZ.png&amp;w=600&amp;h=357 600w, /.netlify/images?url=_astro%2FPlan.CUnHhVNZ.png&amp;w=800&amp;h=476 800w" alt="Retirement Plan with line graph" sizes="(max-width: 1024px) 100vw, 50vw" loading="lazy" decoding="async" width="2272" height="1352" class="w-full h-auto object-contain"></div><div data-animate="slide-right" class><h3 class="font-crimson font-normal text-black text-[32px] leading-[110%] tracking-[-0.04em] sm:text-[40px] sm:leading-[105%] mb-4">Advanced Simulations for Real-Life Decisions</h3><p class="font-dm-sans font-normal text-gray-700 text-[20px] leading-[140%] tracking-[-0.005em]">Because sometimes you need more than just a spreadsheet. We make visualizing your next steps approachable with practical simulations. With Financial Plans, you can control every variable from the rate of return on your investment portfolio to the rate of inflation. Financial Plans let you test out every “what if” so you (and your money) are ready for whatever life throws at you.</p></div></div><div class="grid md:grid-cols-2 gap-16 lg:gap-12 lg:items-center"><div data-animate="slide-left" class="order-2 md:order-1"><h3 class="font-crimson font-normal text-black text-[32px] leading-[110%] tracking-[-0.04em] sm:text-[40px] sm:leading-[105%] mb-4">Retirement Planning Made Simple</h3><p class="font-dm-sans font-normal text-gray-700 text-[20px] leading-[140%] tracking-[-0.005em]">Whether you&#39;re fast-tracking your way to retirement or taking the old-fashioned route, we&#39;ll show your numbers for CoastFI to FatFI so you don&#39;t have to stress. So many Canadians are worried they won’t have enough to retire. You don’t have to be one of them. Retirement isn’t complicated when you have a financial plan. Let Gilded help you build it.</p></div><div data-animate="slide-right" class="order-1 md:order-2 rounded-2xl overflow-hidden w-full flex items-center justify-center min-h-[240px] isolate"><img src="/.netlify/images?url=_astro%2FMilestones.IevOyeTL.png&amp;w=2272&amp;h=1245" srcset="/.netlify/images?url=_astro%2FMilestones.IevOyeTL.png&amp;w=400&amp;h=219 400w, /.netlify/images?url=_astro%2FMilestones.IevOyeTL.png&amp;w=600&amp;h=329 600w, /.netlify/images?url=_astro%2FMilestones.IevOyeTL.png&amp;w=800&amp;h=438 800w" alt="Coast FI selection interface" sizes="(max-width: 1024px) 100vw, 50vw" loading="lazy" decoding="async" width="2272" height="1245" class="w-full h-auto object-contain"></div></div></div><!-- CTA --><div class="mt-16 lg:mt-20 flex justify-center"><a href="how-it-works" class="inline-flex items-center gap-3 w-[201px] h-[54px] rounded-[8px] border border-black px-6 py-4 font-dm-sans font-medium text-black hover:bg-black hover:text-white transition justify-center">Learn more<span aria-hidden="true">→</span></a></div></div></section><footer data-animate="fade-in" class="bg-white text-black py-12"><div class="container-wide"><!-- Top separator --><div class="border-t border-border-gold pt-8"></div><!-- Footer Navigation Links --><div class="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-4 gap-8 lg:gap-12 pt-8"><div><h3 class="font-dm-sans font-bold text-black mb-4">Navigate</h3><ul class="space-y-2"><li><a href="/how-it-works" class="font-light hover:opacity-70">How it works</a></li><li><a href="/pricing" class="text-black hover:opacity-70">Pricing</a></li><li><a href="/premium" class="text-black hover:opacity-70">Premium</a></li><li><a href="/about" class="text-black hover:opacity-70">About</a></li><li><a href="/blog" class="text-black hover:opacity-70">Blog</a></li><li><a href="/gift" class="text-black hover:opacity-70">Gift a subscription</a></li><li><a href="/merch" class="text-black hover:opacity-70">Merch</a></li></ul></div><div><h3 class="font-dm-sans font-bold text-black mb-4">Support</h3><ul class="space-y-2"><li><a href="/support#faq" class="text-black hover:opacity-70">FAQ</a></li><li><a href="/support" class="text-black hover:opacity-70">Support</a></li><li><a href="https://help.gildedfinancial.com/" target="_blank" rel="noopener noreferrer" class="text-black hover:opacity-70">Help Centre</a></li><li><a href="mailto:[email protected]" class="text-black hover:opacity-70">Contact</a></li></ul></div><div><h3 class="font-dm-sans font-bold text-black mb-4">About</h3><ul class="space-y-2"><li><a href="/about" class="text-black hover:opacity-70">Our Company</a></li><li><a href="/about#careers" class="text-black hover:opacity-70">Careers</a></li><li><a href="https://roadmap.gildedfinancial.com/roadmap" target="_blank" rel="noopener noreferrer" class="text-black hover:opacity-70">Product Roadmap</a></li></ul></div><div><h3 class="font-dm-sans font-bold text-black mb-4">Legal</h3><ul class="space-y-2"><li><a href="/privacyPolicy" class="text-black hover:opacity-70">Privacy Policy</a></li><li><a href="/terms" class="text-black hover:opacity-70">Terms & Conditions</a></li></ul></div></div><!-- Footer Bottom --><div class="pt-8 mt-8"><div class="flex items-left gap-6 flex-col sm:flex-row sm:items-center sm:gap-10"><img src="/_astro/logo-gold.DJgHTCbf.svg" alt="Gilded" loading="lazy" decoding="async" width="88" height="32"><span class="font-roboto-mono font-normal text-[#485B42] text-[12px] leading-[140%] tracking-[-0.01em]">2026 © Gilded Financial | All Rights Reserved</span></div></div></div></footer>
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