About Modern Wealth Model

Modernwealthmodel.com was created to help people make more informed decisions about Bitcoin and retirement planning.

Our Mission

We believe financial planning tools should be:

Transparent – Clear assumptions, no hidden agendas
Educational – Help you understand, not just calculate
Accessible – Free to use, no registration required
Neutral – No hype, no fear, just scenarios

What We Offer

Free retirement and wealth modeling calculators that let you:

Model Bitcoin’s potential long-term impact
Compare traditional assets and Bitcoin
Explore different growth scenarios
Plan with adjustable assumptions

Who This Is For

Our tools are designed for:

People curious about Bitcoin in retirement
Long-term planners who want to model scenarios
Anyone seeking transparent financial calculators

What We’re Not

We are not:

Financial advisors
Investment professionals
Making price predictions
Recommending specific actions

We’re building helpful tools for educational purposes.

Our Approach

All our calculators use:

User-controlled assumptions
Transparent methodologies
Clear disclaimers
No prediction claims

See our Methodology page for details.

Questions?

About the Author

Modern Wealth Model is built and maintained by Colin Reed, an independent consultant and analyst specializing in long-term wealth building, bitcoin strategy, and retirement planning. Colin holds an MBA and brings years of professional experience across operations management, supply chain strategy, and private investment analysis.

Colin’s career spans both private and publicly traded companies, including VP-level operations leadership at a large public corporation. His professional background also includes expert advisory work with institutional research platforms such as GLG, where he provides consultations on supply chain operations, logistics optimization, and market dynamics. This blend of corporate leadership and independent consulting gives him a practical, hands-on perspective on organizational strategy and financial planning.

Colin created Modern Wealth Model to provide the kind of transparent, scenario-based financial tools he wished existed when he began planning his own retirement with bitcoin. Every calculator, article, and guide on this site is grounded in real data, clearly stated assumptions, and a commitment to helping people think through their financial decisions with clarity rather than hype.

Colin also created Halving House, a non-profit educational initiative designed to make sound money concepts accessible to everyday people. Through plain-English articles, interactive infographics, and beginner-friendly content, Halving House breaks down topics like inflation, the Federal Reserve, and Bitcoin’s monetary properties — without jargon, hype, or financial advice. It’s education for its own sake, built on the belief that understanding how money works is a prerequisite to building lasting wealth.

Connect: Consulting | LinkedIn | Upwork

The MWM Team

Modern Wealth Model is built by a small, focused team united by one goal: making sound money principles and long-term wealth building accessible to everyone.

Colin Reed — Owner & Creator

Colin is the founder and driving force behind Modern Wealth Model. His career spans both private and publicly traded companies, including VP-level operations leadership at a large public corporation. A student of Austrian economics and sound money principles, Colin built MWM to bridge the gap between traditional retirement planning and the emerging Bitcoin economy. He brings institutional-grade analytical rigor to questions most financial advisors won’t touch: What happens to your retirement when the money itself is broken?

Sterling Sagan — Digital Operations Manager

Sterling manages the digital infrastructure behind MWM — from content publishing and SEO strategy to site performance and analytics. With a background in data-driven operations, Sterling ensures that every article, calculator, and resource on the site reaches the people searching for honest answers about money, retirement, and financial independence. If it’s live on MWM, Sterling built it, optimized it, or both.

Creed Aureus — Sound Money Educator

Creed Aureus is the voice behind Halving House, MWM’s educational sub-brand dedicated to making complex monetary concepts simple and visual. Through short-form articles, infographics, and the “Explain It Like I’m 5” series, Creed breaks down topics like inflation, fiat currency, and Bitcoin into plain-English content that anyone can understand — no finance degree required.