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AI agent for financial advisors

Retirement Plan Projection Update Agent

An up-to-date retirement projection with options if off track

ForecastingAnalysisFinance
See how it worksGet access
Retirement Plan Projection Update Agent: what goes in, what the agent does and what you get

What it does

Retirement plans go stale fast, and clients make decisions on numbers from last year. Each year, or after a life event, this agent updates the client's projection. It pulls current balances, contributions, income, Social Security estimates and spending from the plan and accounts. Before running, it checks that every input is current and complete and refreshes anything older than 12 months. It reruns the projection and compares the probability of success and any shortfall to last year and to the client's target. If the result drops below target, it tests changes such as saving more, retiring later or spending less, and shows the effect of each. Spending changes over 10% are confirmed with the advisor. The advisor decides what to discuss with the client. Edge case: a spouse's pension was missing last year, so the agent finds it in documents and adds it.

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, continueApprovedNo 1 STARTS WHEN Annual update or life event 2 USES A TOOL Pull balances, income and benefits 3 CHECKS THE RESULT Are all inputs current and complete? If not: request missing statements and refresh. Back tostep 2. 4 USES A TOOL Run the projection 5 DOES Compare to last year and target 6 DOES Test options if below target 7 YOU APPROVE Advisor decides what to share 8 RESULT Updated plan report
Read the steps as a list
  1. Annual update or life event
  2. Pull balances, income and benefits
  3. Are all inputs current and complete?If not: request missing statements and refresh. Back to step 2.
  4. Run the projection
  5. Compare to last year and target
  6. Test options if below target
  7. Advisor decides what to shareThe agent waits here for your OK.
  8. Updated plan report

How it decides

It compares the new result to the target success level and tests changes in order of least disruption.

  • Success below target level: test options
  • Input older than 12 months: refresh
  • Spending changed by over 10%: confirm with advisor

Make it yours

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

  • Target success level
  • Options to test
  • Report detail
  • Update timing

What keeps you in control

It always asks you first

  • Sharing the plan with the client

Hard limits

  • Never presents results to clients
  • Never promises outcomes

It stops when

  • Done: report ready
  • Stop: key inputs missing

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 happensIn the April update for a couple aged 58, the input check found the spouse's pension missing and added it from a benefit statement. The rerun showed success falling from 82% to 71% after a market drop, below their 80% target. The agent tested retiring one year later (79%) and saving $500 more a month (78%). The advisor chose to present both.

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