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AI agent for financial advisors

Education Savings Funding Agent

Keep each child's education fund on track with allowed, affordable contributions

PlanningDecisionsFinance
See how it worksGet access
Education Savings Funding Agent: what goes in, what the agent does and what you get

What it does

A family opened a 529 plan when their daughter was born and has contributed whenever they remembered. This agent reads each child's age, account balance and target cost, and projects the gap at enrollment. It checks contribution limits, gift tax rules and state deduction limits so that its suggested amounts are allowed. It proposes a monthly amount that closes the gap under a reasonable return assumption and checks that it fits the family's cash flow. If it does not fit, it tests a longer timeline, a lower cost target or a different mix of accounts, and reruns. It repeats the review each year with the new balance. The advisor approves client recommendations. Edge case: grandparent contributions are included in the gift tax check.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedYes, continueNoNo 1 STARTS WHEN Annual review or goal change 2 USES A TOOL Read each child's age, balance and target cost 3 DOES Project the funding gap at enrollment 4 USES A TOOL Check contribution limits, gift tax and statededuction rules 5 DOES Calculate the monthly amount needed 6 CHECKS THE RESULT Is the amount within limits and the family's cashflow? If not: Test a longer timeline, a lower target oranother account mix. Back to step 4. 7 DOES Draft the recommendation with assumptions 8 YOU APPROVE Advisor approves the client recommendation 9 USES A TOOL Recheck balances and contributions at the nextreview 10 CHECKS THE RESULT Is the fund still on track within 10 percent ofplan? If not: Recalculate the gap and adjust the monthlyamount. Back to step 3. 11 RESULT Funding plan and review date
Read the steps as a list
  1. Annual review or goal change
  2. Read each child's age, balance and target cost
  3. Project the funding gap at enrollment
  4. Check contribution limits, gift tax and state deduction rules
  5. Calculate the monthly amount needed
  6. Is the amount within limits and the family's cash flow?If not: Test a longer timeline, a lower target or another account mix. Back to step 4.
  7. Draft the recommendation with assumptions
  8. Advisor approves the client recommendationThe agent waits here for your OK.
  9. Recheck balances and contributions at the next review
  10. Is the fund still on track within 10 percent of plan?If not: Recalculate the gap and adjust the monthly amount. Back to step 3.
  11. Funding plan and review date

How it decides

It selects the lowest monthly contribution that reaches the target at a conservative return and stays within limits and cash flow.

  • Use a conservative return assumption set by the advisor
  • Keep contributions under annual gift and plan limits
  • Count grandparent gifts in the gift check
  • Treat a gap over 10 percent as off track

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Return assumption (default conservative 5 percent)
  • Cost target source (default advisor's estimate)
  • Review frequency (default annual)
  • Off-track threshold (default 10 percent)

What keeps you in control

It always asks you first

  • Advisor approves each client recommendation

Hard limits

  • Never move money or open accounts
  • Never guarantee returns
  • State all assumptions

It stops when

  • Done: Plan on track and next review set
  • Stop: Family goals change, so hand to the advisor

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensFor a 6-year-old, the cost target is $140,000 and the balance is $18,000. The agent needs $520 a month at 5 percent. The family can spend $350, so the check fails. It tests a lower target of $110,000 and a 4-year state option, giving $380. The family chooses $400. The advisor approves.

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