Proprietary AI Technology
Grace Intelligence is the proprietary AI engine that powers every personalized retirement plan. Built on large language models, the LifePortfolio framework, and a deep understanding of life transition. While EBRI research shows 73% of workers feel anxious about retirement, most tools only address the financial dimension. Grace is the first system designed to close the Life Readiness Gap.
How It WorksWhat Is Grace Intelligence
The traditional retirement planning industry was built to answer one question: Can this person afford to stop working? Grace Intelligence was built to answer the harder question: Is this person ready for the life that comes next?
"Most retirement plans stop at the balance sheet. Grace Intelligence starts where the balance sheet ends."
Grace Intelligence is the dynamic intelligence layer that powers every interaction on My Plan Keeper. It continuously integrates life data, financial signals, behavioral patterns, and retirement readiness indicators, synthesizing them into a living, evolving plan.
Research: EBRI Retirement Confidence Survey · Center for Retirement Research at Boston College
How Grace Intelligence Is Built
Grace Intelligence is not a chatbot layered on a retirement calculator. It is a purposefully designed, five-layer intelligence architecture. The first of its kind built specifically for life transitions.
Built with Anthropic Claude · Perplexity AI · ElevenLabs · OpenAI
Every person’s retirement readiness is scored across 8 wellness domains: Financial Wellness, Purpose & Identity, Health & Vitality, Social Connection, Housing & Environment, Mind & Learning, Giving & Legacy, and Life Logistics.
A proprietary psycho-social model that measures five non-financial determinants of retirement readiness: Spending Confidence and Access, Financial Literacy and Cognitive Load, Social Identity and Role Continuity, Advisor Trust and Planning Continuity, and Health and Financial Navigation.
Real-time retrieval of financial news, Social Security updates, Medicare changes, and market events. Every piece of information is re-contextualized against the individual’s profile before being delivered.
Built on Anthropic’s Claude models — powering real-time dialogue, purpose discovery, long-form plan generation, and emotionally nuanced retirement transition conversations. ElevenLabs provides natural voice for phone-based conversations.
A proprietary Context Engine routes every conversation through a retirement-specific taxonomy. It surfaces the gaps most retirement plans never see and generates a prioritized action plan rooted in the individual’s values, timeline, and life stage.
Conversational Intelligence
At the core of Grace Intelligence is a conversational AI designed to do what no advisor has time to do: be present, curious, and deeply personal across every dimension of retirement readiness, 24 hours a day.
Grace Intelligence: Sample Interaction
Robert, 63 · LifePortfolio Purpose Score: 2/10
Grace · Powered by Grace Intelligence · Purpose Gap detected
The Life Readiness Gap
The financial industry has mastered one question: Can you afford to retire? But as research from the Center for Retirement Research demonstrates, financial readiness alone does not predict successful retirement outcomes. Grace Intelligence was built to answer the harder question.
Sub-Gap 1
"I haven’t built a plan for what I’ll actually do."
Sub-Gap 2
"I haven’t planned to be healthy — just to pay for being sick."
Sub-Gap 3
"I don’t know what I need to figure out — or in what order."
Research: Fidelity Retiree Health Care Cost Estimate · Social Security Administration · Medicare.gov
The Whole Person
Grace Intelligence does not optimize a portfolio. It builds a life. The LifePortfolio framework scores each person across eight wellness domains, giving Grace the full picture of where someone is ready, and where the real gaps live.
Traditional retirement planning answers one question. Grace Intelligence answers the rest.
| Dimension | Traditional Financial Plan | Grace Intelligence |
|---|---|---|
| Core question | Can I afford to retire? | Am I ready for life after work? |
| Focus | Portfolio balance & withdrawals | Whole-life readiness across 8 dimensions |
| Personalization | Age, income, risk tolerance | Values, emotions, culture, life stage |
| Communication | Quarterly or annual review | 24/7 AI companion — always available |
| Coverage | Financial only | Financial + Purpose + Health + Social + Logistics |
| Adaptation | Static plan, annual updates | Continuous learning, real-time updates |
| Emotional support | Not addressed | Built into every conversation |
Sources: EBRI Retirement Confidence Survey · Vanguard Retirement Research · Morningstar Retirement Planning
For Organizations
For HR leaders, benefits consultants, and employers, Grace Intelligence generates real-time population-level insights that help organizations identify retirement anxiety early, close engagement gaps, and demonstrate measurable outcomes. According to Transamerica Institute research, fewer than half of employers offer retirement transition support beyond the 401(k).
Employers & HR Teams
Grace identifies employees who are financially ready to retire but not life-ready — reducing surprise departures, knowledge drain, and disengagement in the final 3–5 years of tenure.
Financial Advisors & RIAs
Advisors who deploy Grace amplify their value proposition by adding life readiness to their financial planning conversations.
Benefits Platforms & ISPs
Grace Intelligence is available as an embedded, white-label intelligence layer for HR tech platforms. Deploy a branded retirement companion that drives engagement and reduces churn.
Grace Intelligence is the proprietary AI engine built by My Plan Keeper that powers personalized retirement planning. Built on large language models and the LifePortfolio framework, it goes beyond financial calculations to address the full spectrum of retirement readiness — including purpose, health, social connection, and life logistics.
No. Grace is an AI educational tool, not a licensed financial advisor. Grace provides information, clarity, and frameworks for thinking about retirement — and helps you understand what to ask your financial advisor.
The Life Readiness Gap is the distance between being financially ready to retire and being truly ready to live in retirement. It encompasses three dimensions: the Purpose Gap (no plan for what to do), the Health & Vitality Gap (no proactive health plan), and the Life Logistics Gap (overwhelmed by decisions and sequencing).
Grace assesses your readiness across 8 wellness domains through the LifePortfolio framework. It identifies where your gaps are, provides personalized information and educational resources, and helps you build clarity on every dimension of retirement.
Yes. Grace Intelligence is available as a white-label, embedded solution for employers, HR teams, financial advisors, benefits platforms, and ISPs. It provides population-level retirement readiness insights and individual engagement at scale.
My Plan Keeper · Grace Intelligence
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