Retirement Planning with AI
Use AI tools to build a retirement plan that actually works — calculating savings targets, optimizing withdrawals, modeling Social Security strategies, and stress-testing your plan against thousands of market scenarios.
What You'll Learn
- Calculate your personal retirement savings target using AI-powered projections that account for inflation, healthcare costs, and lifestyle goals
- Analyze your current financial position with AI tools that identify gaps between where you are and where you need to be
- Evaluate different withdrawal strategies using Monte Carlo simulations and AI scenario modeling
- Design a tax-efficient retirement income plan using AI to optimize Roth conversions, Social Security timing, and account withdrawal sequencing
- Build a healthcare and long-term care funding strategy with AI cost projections for Medicare, supplements, and care needs
- Create a living retirement plan that uses AI to adapt to market changes, life events, and evolving goals over time
Course Syllabus
The Numbers Most People Never Run
Here’s a statistic that should keep you up at night: 54% of American households report having no dedicated retirement savings. Among those who do save, the median for ages 55-64 is $185,000 — while financial experts say you need $1.26 million to retire comfortably.
That’s not a gap. That’s a chasm.
The problem isn’t that people don’t care about retirement. It’s that retirement planning feels overwhelming. Too many variables. Too many unknowns. Too many financial products pitched by people who earn commissions. So most people do one of two things: they guess (pick a number, hope it works) or they avoid (don’t think about it until it’s urgent).
AI changes this equation. Not by giving you financial advice — but by making the complex calculations, scenario modeling, and strategy comparisons accessible to anyone who can describe their situation in plain language.
What You’ll Learn
By the end of this course, you’ll know how to:
- Calculate your real retirement number — not a generic rule of thumb, but a personalized target based on your lifestyle, location, and healthcare needs
- Analyze where you stand today and identify the specific gaps between your current savings and your target
- Model different strategies — savings rates, investment approaches, Social Security timing — and see how each affects your outcome
- Optimize for taxes — withdrawal sequencing, Roth conversions, and income strategies that keep more money in your pocket
- Plan for healthcare — Medicare, supplements, long-term care, and the costs most people forget
- Stress-test everything — run your plan against recessions, inflation spikes, and living longer than expected
Who This Course Is For
- Mid-career professionals (35-50) who know they should be planning but haven’t started seriously
- Pre-retirees (50-65) who need to assess their readiness and optimize their strategy
- Recent retirees who want to ensure their money lasts and their withdrawals are tax-efficient
- Anyone feeling overwhelmed by retirement planning who wants a clearer, data-driven approach
Prerequisites: Basic familiarity with financial concepts (savings accounts, 401k, IRA) is helpful. No AI experience required — we teach you exactly what to ask and where to ask it.
How This Course Works
Each lesson takes 10-12 minutes and builds one component of your retirement plan:
- AI prompt templates you can use immediately with ChatGPT, Claude, or dedicated financial tools
- Real calculations using your actual numbers (with privacy-safe techniques)
- Scenario comparisons so you can see how different choices affect your future
- Privacy guidelines for every tool — your financial data stays protected
Complete all 8 lessons to earn your certificate and have a complete, personalized retirement plan built with AI-powered analysis.
Important disclaimer: This course teaches you to use AI as a research and analysis tool. It is not financial advice. For significant financial decisions, consult a fee-only fiduciary financial advisor.
Related Skills
Frequently Asked Questions
Do I need financial expertise to take this course?
No. This course explains financial concepts in plain language and shows you how to use AI as your research partner. If you can describe your financial situation in simple terms, you're ready. The AI handles the complex calculations.
Can AI really help with retirement planning?
AI excels at the computational and analytical parts of retirement planning — running projections, modeling scenarios, comparing strategies, and analyzing tax implications. What AI can't do is make decisions for you or replace a fiduciary financial advisor for complex situations. This course teaches you to use AI for better-informed decisions.
Is my financial information safe when using AI tools?
We teach you privacy-first practices throughout the course: how to anonymize your data before sharing with AI, which tools have stronger privacy protections, and when to use dedicated financial platforms instead of general AI chatbots. Lesson 1 covers privacy guidelines.
I'm 10+ years from retirement. Is this course relevant?
Absolutely — and you have the biggest advantage. The earlier you plan, the more options you have. This course covers strategies for every timeline, from 'just starting to save' to 'retiring next year.' Lesson 7 specifically stress-tests plans across different time horizons.