Table: Surfing toward Retirement


Free for Fidelity clients

Portfolio Planner has powerful account-aggregation tool. Household, tax, and goal info is more detailed and accurate than at other sites. Thorough risk analysis.


$39.95/quarter for individuals; free for corporate users

Best site for sophisticated investors. Allows for multiple accounts and goals. Stresses probability of achieving goals. Taxable-account tool is effective and unique.



Best site for beginners. Very detailed fund information. Provides advice only for 401(k)s. Overly simplistic risk analysis. Warns about dangers of owning company stock.


$20/year for individuals;

free for corporate users

Individual-investor site plagued by technical problems. Excellent risk-assessment tools. Incomplete mutual-fund data. Sell recommendations not tax-savvy.

* mPower's corporate site. Individual-investor site is still in testing at

Before it's here, it's on the Bloomberg Terminal.