Help & FAQ

Everything people ask before trusting a number in Meridian. Still stuck? Email andrew@leanengineering.io and we'll reply within two business days.

Is Meridian financial advice?

No. Meridian is an educational planning tool. Every number is a deterministic projection based on the assumptions shown on screen, not a recommendation to buy, sell or hold anything. Talk to a licensed professional before acting on a plan.

How are the projections calculated?

All math runs in plain JavaScript with explicit formulas — compound growth on your current savings plus monthly contributions, a safe-withdrawal-rate target for retirement, and simple totals for cash flow and net worth. The expected return, withdrawal rate and contribution limits are global variables your administrator controls in one place.

What do I need to get started?

The four-step intake: your age and target retirement age, monthly income and expenses, and rough totals for assets and debts. It takes a couple of minutes and everything can be changed later.

How is my data protected?

Your plan is stored in an encrypted database with row-level security, so only your account (and an advisor you explicitly link) can read it. You can export everything as JSON or permanently delete your account from Settings.

What is the difference between the plans?

Starter covers intake, dashboard and printable reports. Paid plans add budget variance alerts, unlimited goals, linked account balances and a higher daily allowance for the AI assistant. Full detail is on the pricing page.

How do I upgrade, downgrade or cancel?

Open Settings → Plan & billing. Request a change and it takes effect once approved; cancelling returns you to Starter and your data stays intact.

Can my financial advisor see my plan?

Only if you link to them. In Settings → Advisor link, paste your advisor's account ID. You can unlink at any time, which immediately revokes their access.

The AI assistant stopped answering — why?

Each plan has a daily question allowance (15 on Starter, 50 and 200 on paid plans). The counter resets every day at midnight UTC.