Grace AI

by My Plan Keeper  · Based in United States → — The Retirement Wellness AI Trust Your Plan
Family Medicine Geriatrics Internal Medicine
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Paid
Regulatory Status Disclosed

Overview

Grace AI is a conversational AI tool developed by My Plan Keeper, designed to assist individuals, particularly physicians, with retirement planning. It aims to provide personalized insights by understanding user situations, identifying planning gaps, and running calculations on various retirement options. The platform emphasizes a conversational approach, allowing users to interact via text or voice at their own pace. Grace AI focuses on comprehensive retirement wellness, addressing not only financial aspects like income, taxes, and Social Security, but also healthcare navigation (Medicare, coverage gaps), and purpose-driven planning for life beyond work. It is built to remember user details across conversations, offer clear next steps, and provide access to expert articles and guides on key retirement decisions. Grace AI is not a licensed financial advisor and explicitly states that it does not provide personalized investment advice, encouraging users to review decisions with a licensed financial professional.

Reviewed by Pouyan Golshani, MD — Interventional Radiologist

Key Features

  • Conversational AI for retirement planning (text and voice)
  • Personalized retirement clarity plans
  • Gap detection in retirement plans
  • Financial wellness checks
  • Guidance on Social Security, Medicare, and tax strategies
  • Purpose & Legacy planning
  • Remembers user situations and details across conversations
  • Access to expert retirement guides
  • Encrypted conversations and data privacy
  • No personal identifying information (like SSN or account numbers) requested

Use Cases

  • Physicians preparing for retirement seeking personalized guidance.
  • Individuals within a few years of retirement feeling overwhelmed by decisions.
  • People seeking to understand their income vs. spending across decades in retirement.
  • Users wanting to learn how withdrawal timing and account types affect their tax bill.
  • Individuals navigating Medicare, coverage gaps, and out-of-pocket healthcare costs in retirement.
  • Those looking to design a life with purpose and meaning beyond their paycheck in retirement.

What Physicians Need to Know

Tax Optimization Strategies
Grace AI helps identify tax planning gaps and assists with tax strategy as part of its comprehensive financial wellness assessment. It can help users navigate tax decisions related to retirement.
1099/W-2 Support
While Grace AI focuses on retirement planning, other AI tax tools can assist with organizing and managing tax documents like 1099s and W-2s, and some can even extract data from them for drafting returns.
Real-Time Market Data
Grace AI's 'Smart Search' feature is powered by real-time research. For broader financial intelligence platforms, real-time data integration is a key capability.
Retirement Planning (401k/403b/457)
Grace AI is a conversational retirement intelligence platform that builds personalized retirement plans based on individual numbers. It helps users with Social Security timing, healthcare gaps, withdrawal strategies, and tax planning. It aims to find planning gaps that traditional 401(k) providers might miss. Grace AI also offers tools for budgeting and financial snapshots to support retirement wellness.
Student Loan Optimization
While Grace AI primarily focuses on retirement, AI-powered tools in general are emerging to help with student loan repayment strategies by analyzing income patterns, family circumstances, and career trajectories to provide personalized recommendations. These tools can also integrate student loan management with broader financial ecosystems, including retirement planning.
Disability Insurance Analysis
The provided information does not specifically mention disability insurance analysis as a feature of Grace AI by My Plan Keeper. Grace AI focuses on retirement wellness across five pillars: purpose, finances, health, relationships, and lifestyle.
Contract Review Features
The provided information does not indicate that Grace AI by My Plan Keeper offers contract review features. Other AI tools exist that specialize in contract review for legal teams, performing tasks like issue-spotting, redlining, and clause extraction.
Crypto/Alternative Assets
The provided information does not specifically mention support for crypto or alternative assets within Grace AI by My Plan Keeper. Other financial intelligence platforms may offer advanced market intelligence for digital asset management.
Multi-State Tax Support
While Grace AI assists with tax planning in retirement, the provided information does not detail specific multi-state tax support. Other AI tax tools are designed to handle complex multi-state returns, including apportionment and jurisdiction-specific credits.
Physician Tip

Physicians can leverage Grace AI to proactively address retirement planning complexities, especially concerning tax implications and healthcare costs in retirement. Its conversational nature can help busy professionals quickly get personalized insights without extensive form-filling. While Grace AI focuses on retirement, physicians with diverse income streams (e.g., 1099 and W-2) should consider how its insights integrate with broader tax planning strategies, potentially using other AI tax tools for detailed income and expense management. For student loan optimization, which is often a significant concern for physicians, AI tools can offer personalized repayment strategies that consider career trajectory and integrate with retirement planning. Always remember that Grace AI is an educational tool and not a replacement for a fiduciary financial advisor, especially for complex financial situations unique to physicians.

Grace AI by My Plan Keeper is available via chat, voice, or WhatsApp, and an Alexa integration is planned. It is designed to be a conversational intelligence platform that remembers user details across sessions. While it doesn't explicitly list integrations with specific financial software, its ability to build a personalized plan from 'your real numbers' and populate a financial sheet through conversation suggests it can work with user-provided data. Other AI tools in the broader financial and tax space emphasize integration with existing accounting software and APIs.

Details

Category Physician Finance & Tax
Pricing Paid
  • 30-Day Clarity Sprint: $49 (full access for 30 days, plan saved permanently); Retirement Co-Pilot: Annual pricing (includes everything in 30-Day Clarity Sprint, plus proactive check-ins and plan updates throughout the year)
DeploymentCloud-based
Compliance
BAA AvailableUnknown AI-estimated
HIPAA CompliantUnknown AI-estimated
FDA Status No AI-estimated

Not applicable as Grace AI is a retirement planning tool, not a medical device or therapeutic.
Integrations
EHR Not specified
Specialties Family Medicine, Geriatrics, Internal Medicine

What the Web Says

Grace AI, developed by My Plan Keeper, is a conversational retirement intelligence tool designed to help individuals plan for retirement beyond just financial aspects. It aims to build a complete financial picture through interactive conversations, remembering user information across sessions and identifying potential gaps in retirement plans. The tool is available via chat, voice, and WhatsApp, and offers both individual plans and embeddable widgets for financial services firms and employers.

Overall: Mixed

Strengths

  • Conversational interface that builds a financial picture through dialogue, not lengthy forms.
  • Remembers user information and conversations across sessions, allowing for continuous planning.
  • Detects up to 9 retirement gaps, covering not just money but also healthcare, timing, and daily life.
  • Explicitly tells users when a human professional is needed, acting as an educational tool rather than a replacement for a fiduciary advisor.
  • Covers five wellness pillars (financial, health & wellbeing, purpose & legacy) for a holistic retirement plan.
  • Available 24/7 and can handle daily questions that arise between human advisor sessions.

Limitations

  • No user reviews found on G2 or Capterra specifically for Grace AI, making it difficult to gauge widespread user satisfaction.
  • AI tools, in general, may miss subtle human behavioral cues or competing priorities that a human advisor would identify.
  • The quality of AI output depends on the quality of user input; incomplete information can lead to flawed plans.
  • AI tools may not proactively adjust plans for changes in tax laws, economic policy, or personal health concerns.
  • Some AI tools have been found to provide incorrect information or make mistakes, requiring users to double-check results.
  • Concerns about privacy risks when entering sensitive personal and financial data into AI tools.

Based on reviews from: G2, My Plan Keeper, Reddit, Rehmann, CBS News, YouTube, Medium

Last updated: 2026-07-01

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Press & Coverage

My Plan Keeper
Best AI Retirement Planning Tools 2026: ChatGPT vs Grace vs Boldin
This article compares Grace AI with other AI retirement planning tools in 2026, highlighting Grace AI's conversational intelligence, gap detection, and ability to remember user situations across sessions. It emphasizes Grace AI's honesty about its limitations and its focus on five wellness pillars beyond just money.
2026-05
My Plan Keeper
Grace AI | Retirement Intelligence Platform - My Plan Keeper
Grace AI is a patent-pending retirement intelligence platform that identifies retirement planning mistakes and helps users build a complete financial picture through conversation. It covers aspects like Social Security, Medicare, and tax strategy, and offers personalized action plans.
2026-06
My Plan Keeper
My Plan Keeper u2014 The Retirement Wellness AI
This page introduces Grace AI as a retirement planning guide that provides personalized plans for Social Security, Medicare, income, purpose, and wellness. It highlights Grace's ability to remember conversations, find financial gaps, and offer a budget builder and action checklist.
2026-06
City of Kingsport News
Kingsport goes live with new Customer Information System
The City of Kingsport launched a new Customer Information System and introduced Grace AI, a phone-based virtual assistant, to provide quick answers about utility balances, due dates, and water usage, aiming to reduce waiting times and improve customer support.
2026-04
Tri-Cities AI Lab
Kingsport's Grace AI: What It Is and What It Means for Local Business | Tri-Cities AI Lab
This article discusses the implementation of Grace AI by the City of Kingsport for its water utility phone lines, noting its ability to handle routine calls, resolve issues without human intervention, and improve efficiency. It highlights the practical application of AI in local government to free up human staff for more complex tasks.
2026-06
StartupLagos
Grace AI Lab Targets Banking Sector with AI Automation and Compliance Tools - StartupLagos
Grace AI Lab, a Lagos-based firm, is entering Nigeria's banking sector with AI solutions for customer service automation and compliance, deploying AI-powered agents across multiple channels. The company is also developing tools for fraud detection and compliance in response to regulatory pressure.
2026-03
Technext
How Grace AI Labs plans to reduce customer service costs in 20 African markets - Technext
This article details Grace AI Labs' strategy to expand its AI-powered customer service solutions across 20 African markets, aiming to reduce customer service costs and improve efficiency for businesses. It also mentions the Central Bank of Nigeria's directive for banks to implement AI-powered anti-money-laundering systems.
2026-03
My Plan Keeper
Privacy Policy | My Plan Keeper
My Plan Keeper's privacy policy outlines how personal information, including sensitive or health-adjacent details, is handled when using Grace AI for retirement planning. It clarifies that Grace AI is an educational tool and not a substitute for qualified human advice.
2026-04

Videos

Product demos, reviews, and walkthroughs for Grace AI.

View all on YouTube

Frequently Asked Questions

Grace AI is an artificial intelligence platform designed to assist healthcare professionals. It can be utilized in clinical practice for tasks such as analyzing medical images, identifying potential drug interactions, and summarizing patient data to support diagnostic and treatment decisions.
Grace AI is built with robust security measures and protocols to protect patient data. It adheres to HIPAA regulations by employing encryption, access controls, and de-identification techniques to safeguard sensitive health information.
Yes, there are several other AI solutions available in the healthcare market that offer similar functionalities to Grace AI. These alternatives may specialize in different areas such as predictive analytics, clinical decision support, or administrative automation, and a thorough review of their features and your specific needs is recommended.
The pricing model for Grace AI typically involves tiered subscriptions, with variations for individual practitioners, small clinics, and larger hospital systems. Pricing may depend on the scope of features, the volume of data processed, and the level of support required.
While Grace AI is a powerful tool, its current limitations include the inability to fully understand complex clinical nuances, exercise independent medical judgment, or establish direct patient rapport. Physicians should continue to manually perform tasks requiring empathy, ethical decision-making, and direct patient interaction.
Grace AI's accuracy is continuously evaluated through rigorous testing and validation against large datasets. Its efficacy is supported by studies demonstrating its performance in specific tasks, with published data often available outlining its sensitivity, specificity, and predictive values.
Comprehensive technical support and training are typically provided for physicians adopting Grace AI. This often includes online tutorials, user manuals, dedicated help desks, and sometimes on-site training sessions to ensure effective integration and utilization within clinical workflows.

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Suggest an Edit → | Last Verified: 2026-07-01 | First Added: 2026-07-01
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