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AI Tools for Financial Planners
AI tools for financial planners to build comprehensive plans, optimize portfolios, calculate retirement needs, and monitor client progress.
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Net Worth
Savings Target
Comprehensive financial planning and goal-setting
Develop comprehensive financial plan: goals, timeline, priorities, and action steps aligned with life objectives.
Financial planning: age 35, income $150K, assets $400K, mortgage $500K, goals: retire at 65, fund kids college, buy vacation home. What plan?
Plan: (1) Increase savings to $30K/year (20% of income), (2) Retire at 65 needs $2.5M (4% rule = $100K/year), projected to have $2.2M (96% funded), (3) College: $50K × 2 kids, 529 plans $10K/year, (4) Vacation home: $300K down payment in 15 years. Action: rebalance portfolio, increase 401k, open 529s.
ToolRouter develop_plan
Net Worth
Required Savings Path
Retirement income planning and sustainability
Plan retirement: calculate needed savings, project income sources, model longevity risk, and optimize withdrawal strategy.
Retirement planning: client wants to retire in 10 years, currently $1.5M invested, projects to save $500K more. Needs $100K/year. Social Security at 67 provides $50K. Sustainable?
Retirement analysis: projected assets at 65 = $2.5M. 4% withdrawal rule = $100K (meets need). Social Security $50K starts age 67, reduces portfolio withdrawals. Projected assets at 90: $1.8M (30-year horizon covered). Recommendation: SUSTAINABLE. Consider delaying SS to 70 for 24% increase.
ToolRouter plan_retirement
Assets at Retirement
$2.5M projected
4% Withdrawal Rule
$100K/year — meets need
Social Security at 67
$50K/year, reduces draws
Assets at Age 90
$1.8M remaining
Recommendation
SUSTAINABLE — delay SS to 70 (+24%)
Investment allocation and tax optimization
Optimize portfolio: asset allocation, diversification, tax-loss harvesting, and efficient fund placement.
Portfolio optimization: $1M investable, 35 years to retirement, moderate risk tolerance. Tax situation: $80K taxable income. Recommended asset allocation and tax strategy?
Allocation: 70% stocks (US 50%, intl 20%), 30% bonds. Tax strategy: tax-advantaged accounts: max 401k ($23K), IRA ($7K), HSA ($4K) = $34K/year, use for stocks. Taxable: bonds and REITs. Tax-loss harvest annually. Expected return: 6.5% after-tax, 7.5% pre-tax.
ToolRouter optimize_portfolio
AccountAllocationStrategy
401(k)70% stocksGrowth, pre-tax
Roth IRA70% stocksGrowth, tax-free
HSABondsTriple tax advantage
TaxableREITs + bondsTax-loss harvest
After-tax return: 6.5% · Pre-tax: 7.5%
Major life event planning (marriage, education, home purchase)
Plan major milestones: education funding, home purchase, insurance needs, and wealth transfer.
Life events: want to buy home ($600K, $150K down needed in 2 years), have 2 kids (college in 15 years, estimate $50K/year × 4 years). Current $300K. Action plan?
Plan: (1) Home down payment: save $1,500/month × 24 months = $36K (with returns: $38K). Close gap: redirect annual bonus. (2) College: 529 plans $10K/year = $150K by year 15. (3) Combined savings target: $20K/year. Feasible with income growth.
ToolRouter plan_milestones
Month 1
Redirect annual bonus to down-payment fund
Month 6
Open 529 plans for both children ($5K each)
Month 24
Down payment goal: $38K saved — buy home
Year 5
529 plans at $55K combined
Year 15
529 at $150K — Child 1 college begins
Ready-to-use prompts
Net worth analysis
Calculate net worth and track progress: assets $800K, liabilities $250K, annual savings $25K, investment return 6%. Projected net worth in 10 years?
Retirement readiness
Assess retirement readiness: age 60, current assets $2M, projects to save $50K/year until 67, needs $80K/year. Is retirement feasible? Social Security age 67 = $40K/year.
College funding plan
Plan for college: 2 kids, ages 5 and 8, college in 13 and 10 years. Estimate $80K/year × 4 years per child. 529 plan starting balance, needed annual contribution.
Asset allocation
Recommend asset allocation: age 40, $500K portfolio, moderate risk, 25-year time horizon. Suggest portfolio mix and fund selections.
Home purchase planning
Home purchase affordability: income $120K, down payment $80K available, target price $400K, rate 6.5%, 30-year. Monthly payment and affordability check.
Tax-efficient strategy
Tax optimization: $150K income, $50K investment gains, $20K charitable donations. Recommend max 401k, IRA, HSA contributions for tax efficiency.
Tools to power your best work
Tax ReferenceUS tax brackets, rates & limits
Financial CalculatorDCF, bonds, options & portfolios
165+ tools.
One conversation.
Everything financial planners need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
New client financial planning engagement
Onboard client: gather information, analyze situation, develop comprehensive plan, and present recommendations.
Annual planning review and rebalancing
Annual review: update projections, rebalance portfolio, adjust strategy, and plan for next year.
Frequently Asked Questions
What is the 4% rule for retirement withdrawals?
The 4% rule states you can safely withdraw 4% of portfolio annually in retirement. Example: $1M portfolio = $40K/year withdrawals. Based on historical data showing 95% success rate over 30 years. Adjust for inflation yearly. Assume 7% long-term stock returns, 3% inflation. Variations: use 3-5% depending on risk tolerance and years in retirement.
What is a 529 plan and should I use one?
A 529 plan is tax-advantaged education savings plan. Benefits: tax-free growth + withdrawals for education, high contribution limits ($235K/beneficiary), state income tax deduction (varies). Risks: if not used for education, 10% penalty on earnings. Consider: 2-kid family, $50K/year college costs = $80K/year × 4 years × 2 kids = $640K needed. 529 starting early grows tax-free.
How much should I save for retirement?
General guidance: need 70-80% of pre-retirement income in retirement. Example: $100K income = $70-80K/year needed. Using 4% rule: need $1.75-2M saved. Fidelity milestones: age 30 = 1x salary, 40 = 3x, 50 = 6x, 60 = 8x, 67 = 10x. Adjust based on lifestyle, health, longevity expectations, and Social Security timing.
What asset allocation is best for my age?
Rule of thumb: % stocks = 110 - age (or 120 - age for aggressive). Example: age 30 = 80-90% stocks, age 50 = 60-70%, age 65 = 45-55%. Consider: risk tolerance, time horizon, volatility comfort. Diversification: US stocks 50%, intl stocks 20%, bonds 30% is common 60/40 allocation. Adjust with income, job stability, and specific goals.
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Works in Chat, Cowork and Code