See what's missing from your retirement plan.

My Plan Keeper is a retirement planning company built around one idea: you deserve more than a single money plan. We help you build personalized plans for your finances, health, purpose, relationships, and daily life — so retirement feels clear and doable, not confusing and overwhelming.

Grace is your AI retirement guide. She listens to your questions, helps you sort through choices, and turns your answers into a simple action plan you can actually follow. She's not here to judge you, sell you products, or replace your advisor — she's here to help you get ready and stay ready.

For 40+ years, retirement planning has focused almost entirely on investments and account balances. That leaves a lot of people "technically ready" on paper but unprepared for real-life decisions, trade-offs, and the emotional side of retiring.

After two decades in financial planning, our founder saw the same pattern again and again: smart, hard-working people still felt lost at the exact moment they needed confidence the most.

So we built a different kind of plan — one that's personalized to your answers, narrowed to one clear goal at a time, and designed to be acted on in the next 30–90 days. Not someday. Now.

Retirement Clarity Plan — helps you decide when and how to retire, with a focus on income, healthcare, and big timing decisions.

Financial Wellness Plan — shows you where your overall money situation feels shaky and what to fix first.

Purpose & Legacy Plan — helps you design "what's next" for your time, energy, and impact.

More plans are on the way, covering health & wellbeing, relationships, and exploration & leisure.

Each plan is built from your answers and gives you a simple checklist of what to do next.

Grace uses advanced AI and live web search to gather retirement information and translate it into plain language — with links back to trusted sources like SSA.gov, Medicare.gov, and IRS.gov. She gives you ideas, options, and questions to ask. Not final decisions. AI makes the research faster and clearer. You stay in control.

Grace is powered by leading AI models and search technology, including large language models that understand natural conversation, live web search that pulls in up-to-date information from trusted sites, and our own guardrails focused on retirement, wellbeing, and responsible use.

Behind the scenes, we choose providers that emphasize safety, transparency, and human-first principles — not clicks or ad revenue.

No. Grace is not a licensed financial advisor, tax professional, or insurance agent. She does not give personalized investment, tax, or medical advice.

Think of Grace as a guide that helps you prepare better questions, a translator that explains complex topics in plain language, and a planner that turns your answers into a realistic checklist.

Big decisions should always be confirmed with a licensed professional who knows your full situation.

No. Grace can support you whether you already work with an advisor, have several advisors and still feel confused, or have never hired one before.

If you have an advisor, Grace can help you go into meetings prepared — with the right questions and a clear list of priorities. If you don't, she can help you understand your options and decide when it might be worth getting human advice.

Our first focus is on people approaching retirement or already retired — because that's when decisions get most consequential and the guidance most scarce.

Grace is especially helpful if you're within 10 years of retirement or newly retired, managing a health or work transition, or supporting a partner, parent, or friend through retirement decisions.

Younger adults are welcome too. Grace can help anyone who wants to learn about money and retirement in a calmer, more human way.

Your conversations are encrypted in transit and at rest.

We do not sell your data or use it to train third-party AI models.

You can ask us to delete your conversation history at any time.

We only store the minimum information needed to run your plans and improve your experience.

We take privacy as seriously as retirement itself — because peace of mind requires both.

No. Grace doesn't earn commissions, doesn't recommend specific products to make money, and doesn't get paid more if you choose one option over another. Our business model is simple: you pay for access to your personalized plans. That's it. Grace's only job is to help you feel more ready — not more sold to.

Grace is not the right place for emergency medical, mental-health, or safety situations, final decisions about specific investments, insurance policies, or tax filings, or legal advice or document drafting.

In those cases, Grace can help you understand your options and suggest questions to ask — but please contact a doctor, therapist, lawyer, tax professional, or financial advisor as appropriate. You're not alone in navigating these — there are real people ready to help.