About My Plan Keeper

Built by a retirement professional who watched the system fail her own mother.

When Carla Garcia's mother reached retirement, the tools that were supposed to help her did not exist. The 401(k) provider offered a portal with numbers. The advisor had 45 minutes per quarter. Nobody asked the questions that actually mattered: when to claim, how to bridge healthcare, what happens to daily life when the structure disappears. My Plan Keeper was built to close that gap, not with another calculator, but with a conversational intelligence that meets people where they are.

Traditional retirement planning tells you if you can afford to retire. We help you actually prepare for it, mentally, emotionally, financially, and logistically.

The problem nobody's solving

64% of Americans fear running out of money in retirement more than they fear death. Yet the financial services industry has spent decades building tools that answer “do you have enough?” — and almost nothing that answers “are you ready?”

Statistic: Allianz Life, 2025 Annual Retirement Study

Most people are not just struggling with the math. They are struggling with how the numbers connect to real decisions, when to stop working, how to bridge healthcare, when to claim Social Security, what changes if they work part-time, and what their days actually look like on the other side. The anxiety lives in the gap between “do I have enough?” and “how do I actually do this?”, and it rarely fits inside a 401(k) portal, a one-hour advisor meeting, or a quick conversation with a spouse who is just as unsure.

What we do

My Plan Keeper is a conversational retirement intelligence platform powered by Grace, an AI system built to help people make the decisions that shape the first five years of retirement. Grace looks across purpose, finances, health, relationships, and lifestyle, because what actually determines retirement wellness is how those pieces fit together in real life, not a single number on a statement.

• Purpose
• Finances
• Health
• Relationships
• Lifestyle

Available as a consumer app, an embeddable widget for 401(k) providers and employer benefits programs, and through voice and WhatsApp. Built for the 10,000 Americans retiring every day.

The founder

Carla Garcia spent two decades as a financial advisor watching the same pattern play out: clients who were financially ready for retirement but emotionally unprepared — and no tool, no program, no system designed to help them bridge that gap.

In 2023 she founded My Plan Keeper to build what the industry wouldn't.

Carla Garcia, CRPC®, CPRC

Founder & CEO