RetireReady

RetireReady is a web + mobile app (traditional + AI) that turns a user’s real financial picture into a “retirement runway” with plain-English decisions: when you can retire, what must change, and what happens if markets drop. Instead of pretending everyone has neat spreadsheets, it connects to accounts, estimates spending from transactions, and flags the big killers: healthcare costs, sequence-of-returns risk, and underestimating expenses. The AI layer explains tradeoffs (work 1 more year vs. cut spending vs. delay Social Security) and generates a simple action plan with dates and dollar targets. It also includes a “shock test” library (2008-style crash, inflation spike, long-term care event) so users see the downside, not just rosy averages. The goal is clarity and accountability, not fantasy projections.