THE RETIRELUMA PLATFORM
Connected decisions.
Clearer conversations.
An AI-assisted retirement planning experience being designed for financial advisors and RIA firms.
In development · The previews below show planned capabilities.
ALEX & JORDAN · FICTIONAL HOUSEHOLD
“Could we retire two years earlier?”
BASELINE
Retire at 65
Current timeline
Income sources
Savings contributions
Coverage transition
ALTERNATIVE
Retire at 63
Two years earlier
Income bridge
Withdrawal needs
Coverage options
Illustrative comparison · Discussion prompts, not modeled outcomes.
SCENARIO EXPLORATION
Make “what if”
easier to discuss.
Start with a client question. Our planned experience brings the baseline and an alternative into the same view, so the conversation stays focused on what changes.
Explore: retirement dates, income timing, withdrawal needs, and spending priorities.
ONE QUESTION. CONNECTED DECISIONS.
RETIREMENT TIMING
What changes first?
Explore the period between leaving work and starting other income sources.
INCOME
How would the income bridge be funded?
COVERAGE
Which healthcare questions need review?
ASSUMPTIONS WORKSPACE
WHAT CHANGES
Retirement date 65 → 63
WHAT STAYS CONSISTENT
Compare using shared spending, inflation, and planning-horizon assumptions.
WHAT NEEDS REVIEW
Income timing · Healthcare coverage · Account information
VISIBLE ASSUMPTIONS
See what’s behind
the comparison.
A useful scenario begins with clear inputs. We’re designing the workspace to distinguish what changed, what stayed consistent, and what still needs validation.
The goal: a transparent conversation about the assumptions before interpreting the result.
CLIENT REVIEW PREPARATION
Bring the discussion
back to the client.
Turn the exploration into a focused review agenda. The planned workflow helps organize the questions that deserve attention and the decisions to discuss together.
Your judgment stays central. The advisor evaluates the information and determines appropriate next steps.
CLIENT REVIEW · DRAFT AGENDA
A clearer next conversation.
VALIDATE
Confirm household goals and the inputs behind the comparison.
DISCUSS
Explore income, coverage, and spending tradeoffs.
AGREE
Identify priorities, open questions, and next steps.
Prepared for advisor review · Illustrative interface
PLANNING AREAS WE’RE EXPLORING
Retirement decisions
belong in context.
RETIREMENT INCOME
Income sources, withdrawal needs, and spending priorities.
TAX CONSIDERATIONS
Withdrawal and Roth-conversion questions to review with tax professionals.
SOCIAL SECURITY
Benefit timing alongside the household’s wider income picture.
HEALTHCARE
Coverage transitions, anticipated costs, and long-term care priorities.
LEGACY PRIORITIES
Family intentions and questions for estate-planning counsel.
CLIENT CONVERSATIONS
Visible assumptions, clear differences, and focused next steps.
HELP SHAPE THE PLATFORM
What would make your
next client review better?
Tell us where retirement conversations become difficult. Your perspective can help shape RetireLuma’s direction.
RetireLuma is in development. No launch date, integrations, or product access are promised through the interest form.
