I've tried to use Financial Engines to recommend funds and asset allocation. It always spits are the same garbage: switch to about 80% Vanguard Intermediate Bond Fund, 10% Vanguard GNMA and 10% random index stock funds. It does not even come close to any of the standard recommended asset allocation portfolios such 60:40 stocks:bonds with the stocks divided among domestic:international and also divided among large:mid:small capitalization and value:blend:growth.
Of course, firecalc is making no asset allocation recommendations whatsoever.