Proprietary AI Technology
The intelligence that knows your life. Not just your money.
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
A living model of the whole person. Not just their portfolio.
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
A proprietary intelligence stack built for retirement's full complexity.
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
Grace doesn't report on your retirement. She thinks about it with you.
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 gap most retirement plans never address.
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.
The Whole Person
Eight wellness domains, one integrated intelligence
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.
How does Grace Intelligence compare to traditional planning?
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 co-pilot — 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
Grace Intelligence powers retirement wellness at scale.
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
Know where your workforce stands before they leave.
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
Add the dimension your practice is missing.
Advisors who deploy Grace amplify their value proposition by adding life readiness to their financial planning conversations.
Benefits Platforms & ISPs
White-label the most differentiated retirement benefit available.
Grace Intelligence is available as an embedded, white-label intelligence layer for HR tech platforms. Deploy a branded retirement co-pilot that drives engagement and reduces churn.
Why institutions choose Grace
Deploy conversational AI without owning the advice liability.
Your institution puts conversational AI in front of the people you serve while the advice liability stays where it belongs. Grace is fiduciary-bounded by design. She gathers, educates, and clarifies, and she never gives financial advice or recommends products. That boundary is what lets you engage members and employees at retirement scale without taking on new fiduciary exposure.
Compliance is built into the engine, not bolted on afterward. Every conversation is logged, a separate safety layer reviews what Grace produces, and your compliance team gets full visibility. Grace makes your advisors and benefits teams more effective, and she never replaces them. That is what leadership in conversational AI for retirement looks like: the category no one else built, deployed safely under your brand.
See Grace in your brand. Book a 20-minute walkthrough.
Book a 20-minute walkthroughFrequently Asked Questions
How is this different from a retirement calculator or chatbot?
A calculator runs one scenario with the inputs you give it. Grace is context-aware, building on everything she learns about your situation across conversations to ask the questions that are sometimes hard for humans to ask, the ones that surface when patterns in your financial thinking, your anxiety, and your timeline don't quite line up. That's the difference between a tool that computes and a conversational AI that uncovers.
How fast can we deploy Grace for our clients?
One day. The no-code partner platform lets you white-label Grace with your brand, customize her greeting and persona, upload your own training documents, and go live without writing a single line of code. Enterprise API integrations are also available for custom workflows.
Is Grace a financial advisor?
Grace is not a licensed financial advisor. She is redefining the client journey by giving people AI-powered retirement guidance that helps them understand their situation, clarify their priorities, and show up to their advisor's office with better questions and sharper thinking.
What channels does Grace support?
Grace is available through embedded web chat (the widget), voice calls via phone, WhatsApp messaging, and a full consumer web app. All channels share the same intelligence engine and conversation memory.
Is there an API?
Yes. The Grace API is currently available as a limited beta for select partners. It provides conversational retirement AI, real-time sourced answers, and behavioral analytics through a simple REST endpoint. Three tiers are planned: Grace Chat (available now), Grace Intelligence (behavioral analytics and workforce insights), and Grace Plans (personalized plan generation). Contact [email protected] to request beta access.
Is client data safe?
Grace runs on enterprise infrastructure with Cloudflare edge deployment, Supabase row-level security, and encrypted data at rest and in transit. No client data is used to train AI models. SOC 2 and HIPAA compliance roadmap available on request.
Can Grace work inside Slack, Microsoft Teams, or other workplace tools?
Grace's intelligence engine is channel-agnostic, so adding her to Slack, Microsoft Teams, or any internal tool is a configuration decision, not an engineering project. The same AI, safety guardrails, and compliance infrastructure travel with the engine regardless of where it runs, which means partners don't add compliance risk by adding channels.
How does Grace prevent AI hallucinations in financial conversations?
Grace is architecturally constrained to provide education and frameworks for thinking, never financial advice. Every factual claim links back to its government source, and when the AI encounters uncertainty it falls back to a structured educational response instead of guessing. A separate safety agent reviews every generated retirement plan before delivery, and the compliance dashboard gives partners full visibility into every conversation.
What makes Grace different from adding AI to our existing chatbot?
When someone asks about Social Security at 11pm on a Sunday, a generic chatbot hands them a link. Grace asks about their spouse's situation, runs the break-even math with their actual numbers, and remembers the whole conversation when they come back two weeks later with a follow-up. That continuity across sessions, channels, and life domains is what separates AI-powered retirement guidance from a chatbot with a knowledge base. The safety and compliance architecture is built into the engine, not bolted on after.
My Plan Keeper · Grace Intelligence
Ready to close the Life Readiness Gap?
See Grace in your brand. Book a 20-minute walkthrough and see how institutions deploy conversational AI for retirement without owning the advice liability.
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