Grace AI by My Plan Keeper
The AI That Knows Retirement
Grace guides you through the retirement decisions your 401(k) provider was never designed to have. Call her or chat with her. She learns your situation and never forgets it.
Talk to GraceRetirement is the hardest money decision most people ever make. And almost no one has a guide.
Social Security timing, turning a lifetime of savings into a monthly paycheck, healthcare before Medicare, the fear of running out. The questions are huge, the moment is now, and most people face them alone.
1 in 3
retirees experience depression. The shift from identity through work to identity through choice is harder than anyone tells you.
Source: meta-analysis, Healthcare (Basel), 2020.
What the research shows
Retirement is more than a financial event.
Most plans stop at savings and investments. The decisions that cost people the most happen in the first five years after they stop working.
40%
of adults 45+ report feeling lonely
The loss of daily connection and purpose is real, and almost no retirement plan accounts for it.
Source: AARP Loneliness Epidemic Survey, 2025.
1 in 3
retirees experience depression
The shift from identity through work to identity through choice is harder than anyone tells you.
Source: Meta-analysis, Healthcare (Basel), 2020.
The AI retirement planner
you can actually call.
Grace runs your Social Security scenarios, reads the statements you upload, remembers every conversation, and shows you what your plan is missing before it costs you. Then she tells you exactly when a decision needs a human professional.
No account linking · No app to download · Your first conversation is free
“We talked on my time, in the comfort of my house, and then my plan was updated.”
Grace vs. going it alone
| Going it alone | Grace AI | |
|---|---|---|
| Availability | When you can find time | 24/7, on your terms |
| Guidance | General advice or none at all | Specific to your actual numbers |
| Focus | Life OR money (rarely both) | All five pillars together |
| Memory | You keep notes | Perfect recall across sessions |
| Source citations | You search and hope | SSA.gov, Medicare.gov, IRS.gov |
| Accessibility | One channel | Voice, chat, phone |
For Individuals 50+
Whether you are 3 years out, newly retired, or feeling stuck, Grace meets you where you are.
- A retirement wellbeing plan built around your numbers
- Social Security timing scenarios
- Medicare decision support
- Purpose and identity guidance
- Budget and spending clarity tools
- 24/7 access. Talk anytime, on your terms.
For Employers & Partners
Offer retirement guidance as a benefit at scale, without hiring a team. See how white-label Grace for institutions works.
- Embeddable widget for your platform
- White-label customization
- Workforce wellness analytics
- Complements existing 401(k) and EAP programs
- API integration for plan sponsors
- HIPAA-aware, SOC 2 pathway
Questions people ask first
How Grace works, what makes her different, and why it matters.
Can I just call Grace on the phone?
Yes. You can call Grace and talk to her out loud, the way you would call a person. There is no app to download, no login, and no password to remember. You pick up the phone, you start talking, and Grace guides the conversation from there.
Can Grace read my retirement statements without linking my accounts?
Yes. You can upload your retirement statements and Grace reads them for you. She does not need your bank passwords and she does not link to your accounts. Nothing connects to your logins. You decide what to share, and you stay in control of it.
What exactly does Grace do?
Grace is a guide built specifically for retirement. She learns your situation through conversation, checks your plan across 9 retirement areas most plans never look at, including Social Security timing, tax strategy, healthcare before Medicare, income sequencing, and the order you draw down your accounts, and she builds a retirement wellbeing plan around your actual numbers. She cites government sources like SSA.gov and Medicare.gov so you can see where the guidance comes from.
Does Grace remember our past conversations?
Yes. Grace remembers every conversation you have with her. You can come back a week or a year later and she will pick up right where you left off, so you never have to explain your situation twice or start over.
Is Grace an AI retirement coach?
People often reach for the word coach, but Grace is a guide, not a coach. A coach motivates you and keeps you accountable. A guide knows the terrain and walks it with you, showing you the turns you cannot see and telling you when a stretch calls for a licensed professional. Grace is built to know retirement deeply and to guide you through the specific decisions in front of you. If you want the full distinction, read what is an AI retirement coach.
Can companies offer Grace as a retirement benefit?
Yes. Grace is available as an embedded, white-label solution for employers, financial services firms, 401(k) providers, and HR platforms. Reach out at [email protected] to learn more.
The most expensive retirement mistakes happen in the first 5 years.
Most people spend 30 years accumulating wealth and then make the decisions that matter most with almost no guidance. Grace makes sure you get them right.
Talk to GraceGet started in minutes