AI Retirement Planning Agent

The hardest questions in planning come at retirement: how much can a client spend, when to claim Social Security, how to draw down without running out. A Retirement Planning Agent builds the income plan and runs the what-ifs behind those answers. It models; the adviser advises.

Tecla builds it inside your environment and runs it, wired into the planning software and client data your advisers already use.

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The shift underway

Retirement income planning is the deepest, highest-stakes part of an adviser's work, and the hardest to do at scale. AI is now doing the modeling behind it, and it is where advisers say the impact will be greatest.

$84T

moving to a generation entering its decumulation years, where income planning is everything.

Source: Cerulli Associates

$190k

in lifetime income a single Social Security claiming decision can swing for one client.

Source:

retirement research, 2026

#1

planning question clients ask, "can I afford to retire," is where advisers most want help.

Source: industry survey, 2026

How it works

How the agent works

Retirement planning turns on questions with no single answer: spending, sequencing, claiming, taxes, each dependent on the others. The agent models those trade-offs for each client, so the adviser walks in with the scenarios already run.

01

Intake

Captures the client's accounts, income sources, expected expenses, and retirement goals, and structures them into the planning software.

Gathers the picture
02

Income Sequencer

Models the withdrawal order across taxable, tax-deferred, and Roth accounts to make savings last, accounting for taxes and required distributions.

Orders the drawdown
03

Projection Engine

Runs Monte Carlo and guardrails-based projections to show the odds of success at a given spending level, not a single deterministic line.

Runs the odds
04

Claiming & Tax Modeler

Models Social Security timing, Roth conversions, and tax-bracket management, and quantifies what each is worth over the client's lifetime.

Weighs the options
05

Plan Draft

Assembles the income plan and a client-ready summary, sourced and organized, ready for the adviser to refine and present.

Builds the draft

Human in the loop

The agent runs the scenarios, but the recommendation is the adviser's. Every projection traces to its inputs, every claiming or drawdown option is the adviser's to weigh, and the plan a client retires on is a person's judgment, not a model's output.

Scoped to you

This is a typical retirement planning build. The exact parts are scoped to how your firm runs: which planning software you use, how deep the tax and claiming modeling goes, and how the scenarios reach the client.

See what this would look like built around your portfolio operation.
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Related agents

How it reaches production

Built, run, and owned, one phase at a time

A retirement tool that runs a clean sample can still mislead on a real client with a complex income picture. A scoped brief, a named team, and someone accountable at each stage are what make this one dependable on real plans.

Sprint

Scope, fixed price

We map your planning software, the income and tax modeling a retirement plan needs, and how far the scenarios go, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers assemble the agent inside your environment, wired into the retirement planning software, CRM, and account data your advisers already work in.

AI Systems Lead
Run

Monitored and improved

The agent adapts as tax law and claiming rules change, and we report against the metrics set at scope: plans produced, scenarios modeled, clients served per adviser.

Systems Lead + Engineers
Own

Yours, improving

The system is yours to keep, and it stays current as claiming rules and tax brackets change rather than modeling this year's retirees against last year's law.

Your team

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit.

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How it holds up

Trustworthy enough to retire a client on

A retirement plan a client cannot rely on is worse than none, because they build the rest of their life on it. What makes this one dependable is that every projection traces to its inputs, and the judgment on what to recommend stays with the adviser.

Reviewed by trajectory

Every projection shows its inputs

Each Monte Carlo run and claiming scenario links back to its assumptions, so an adviser can check the math before a client plans around it. It does not invent figures.

Human in the loop

It models, the adviser recommends

The agent runs the scenarios, but which drawdown or claiming path a client takes is the adviser's call, on personal trade-offs no model captures.

Tuned over time

It keeps up with claiming and tax rules

As Social Security rules and tax brackets change, the agent is kept current, so retirement projections reflect the rules a client will actually retire under.

Start the build

Give every client a retirement plan they can trust

A scoping call maps your retirement planning workflow and returns what the agent would model, how success gets measured, and the fixed-price Sprint to build it.

Talk to us

Fixed-price AI Systems Sprint. No commitment until scope is confirmed.

What advisers ask about retirement planning

What is an AI retirement planning agent?

It builds a client's retirement income plan: it models the withdrawal sequence across account types, runs Monte Carlo projections, and quantifies claiming and Roth-conversion decisions. Tecla builds and operates it inside your environment, so the scenarios behind every retirement conversation are run in advance, with the adviser owning the recommendation.

How is it different from planning software like MoneyGuidePro or Income Lab?

Planning software is where the retirement plan lives; the agent does the modeling that fills it. Instead of an adviser running each drawdown and claiming scenario by hand, the agent produces them inside your existing tool. It connects the analysis your software leaves to a person.

Does the agent give retirement advice?

No. It runs the scenarios and quantifies the trade-offs, but which drawdown or claiming path a client should take is the adviser's call, made on the personal factors no model captures. Everything the agent produces is a starting point the adviser weighs and stands behind.

How does it handle Social Security and drawdown decisions?

It models the withdrawal order across taxable, tax-deferred, and Roth accounts, and quantifies what delaying Social Security or converting to Roth is worth over a client's lifetime. These decisions can swing six figures, which is why the agent shows the number rather than a rule of thumb.

How are the projections kept accurate?

Every Monte Carlo run and claiming scenario traces back to the assumptions behind it, so an adviser can check the math before a client plans around it. The agent computes from real inputs; it does not invent figures, which matters most where a client's whole retirement rests on the numbers.

What does Tecla's retirement planning build cover?

Tecla scopes the build to your firm: which planning software you use, how deep the tax and claiming modeling goes, and how the scenarios reach the client. It runs inside your environment on your own data and Tecla operates it, keeping it current as rules change.

How is client data kept secure?

The agent runs in your environment, integrated with your systems, under your own access rules. Client financial data stays within the boundaries your firm already answers to, and you own and control the system Tecla operates.

How long does a build take?

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit. The Sprint maps your planning software, modeling depth, and delivery, so the agent that follows fits how your firm runs retirement planning.

We do retirement planning already. Where does the agent fit?

It takes the scenario-running and modeling off the adviser, so their time goes to the conversation and the judgment rather than rebuilding projections. Tecla builds and operates it alongside them, so every client gets the depth usually reserved for the biggest accounts.

How do we get started?

A scoping call maps your retirement planning workflow and returns what the agent would model, how success is measured, and the fixed-price Sprint cost. Book a scoping call with Tecla to start.

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