Bellerophon Research, LLC
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Advanced retirement simulation tools that model real-world uncertainty, healthcare interactions, and long-horizon outcomes.
What We Do
Retirement Modeling Built for Reality
Bellerophon ResearchTM develops advanced, research-grade simulation tools for evaluating retirement outcomes.
Our simulation processes integrate financial markets, inflation, spending behavior, and healthcare cost dynamics into a single unified framework. The result is a realistic view of retirement resilience - transparent, explainable, and grounded in data.
Our Technology
Distilling complex systems into actionable metrics
Our modeling combines financial markets, inflation dynamics, tax policy, and healthcare interactions into a research-driven simulation. Instead of using black box projections or assumptions, we analyze retirement outcomes across a wide range of possible futures - capturing both variability and real-world constraints.
Our engine is built as a modular, multi-phase architecture:
Accumulation Modeling
Simulates savings patterns, contributions, inflation regimes, and investment performance during working years.
Retirement Boundary Analysis
Evaluates the transition into retirement, including tax positioning, sequence-of-returns sensitivity, and healthcare program eligibility.
Long-Horizon Retirement Simulation
Projects spending needs, income sources, inflation shifts, healthcare costs, and tax interactions over decades of retirement.
Outcome Synthesis
Integrates results into clear, research-grounded measures of retirement resilience - helping users to understand the stability, safety, and long-term endurance of their financial plan.
Why It Matters
Clarity for Advisors, Retirees, and Researchers
Most retirement planning tools rely on opaque model inputs and simplified forecasting methods that can understate real uncertainty. We focus on transparency, reproducibility, and measurable retirement resilience.
Our modeling approach is especially valuable for:
Financial Advisors evaluating long-term client plans
Retirees seeking clarity around healthcare costs, Modified Adjusted Gross Income cliffs, and spending stability
Researchers exploring policy, longevity, or stochastic modeling
Organizations seeking deeper understanding of real-world retirement outcomes
Our mission is straightforward:
Help people make better decisions by providing tools grounded in reality, not assumptions.
Small Business Innovation Research
SBIR-Driven Innovation
Bellerophon ResearchTM is actively pursuing National Science Foundation SBIR funding support to validate, refine, and scale our efforts.
Our Phase I research focus is on formula validation, large-scale simulation reliability, and real-world healthcare/tax interaction modeling.
Phase II will expand the prototype into a deployable platform suitable for advisors, research institutions, and consumer applications.
About Us
Our Company
Bellerophon ResearchTM is a quantitative modeling and software research firm based in Minnesota. We develop transparent, data-driven tools that help people understand financial uncertainty and long-term retirement resilience.
About the Founder / Principal Investigator
Patrick McCluskey is the founder of Bellerophon ResearchTM and the architect of the simulation framework. He leads the research, modeling design, and technical development of the platform, with a focus on retirement durability, uncertainty over long time periods, and health-policy interactions.
Contact
Email: info@bellerophonresearch.com
We welcome partnerships and collaboration.
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