Meet Trace AI

Your retirement plan, explained.

Your WealthTrace plan contains a wealth of information. Trace AI helps you understand it. Ask questions in plain English and get useful context about your projections, investments, taxes, and financial decisions.

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Included with Deluxe and Advisor plans

Trace AI

PLAN ASSISTANT

Am I too heavily invested in technology stocks?

✦ Trace AIYour WealthTrace investment allocation view shows a sizable allocation to technology.

Technology allocation
As shown in your plan38%

Your holdings include technology-focused funds such as QQQ and VGT. These funds can own some of the same companies, so looking only at the number of different funds may understate your concentration.

Worth reviewing: Open Investments and check your look-through allocation to see where your underlying holdings overlap.

Ask a question about your plan…

A clearer view of your plan

Powerful planning software. Answers you can understand.

WealthTrace builds detailed retirement projections. Trace AI helps you make sense of the numbers and find the information that matters.

Understand your projections

Get plain-language explanations of projected cash flows, account balances, withdrawals, and the assumptions behind your results.

Explore what-if questions

Ask how retirement timing, spending, inflation, or other decisions could affect your plan, then investigate alternatives with WealthTrace's scenario tools.

Understand your investments

Ask questions about your holdings, asset allocation, and how investment information fits into your retirement projections.

Make sense of taxes

Get context around taxes, required distributions, Roth conversions, and the tax assumptions included in your plan.

Interpret Monte Carlo results

Better understand what simulations show, what drives the results, and how market uncertainty is reflected in your plan.

Find settings faster

Ask where to adjust inflation, update account information, or change the asset class assigned to a linked holding.

Ask naturally

Have a question? Just ask Trace AI.

You don't need to know which report to open or which setting to inspect. Start with the question on your mind.

Ask questions in everyday language
Get explanations connected to your WealthTrace plan
Discover assumptions and results worth a closer look

What is driving my projected account balance at age 80?

How do Roth conversions affect my plan?

How could retiring two years earlier change my results?

What does my investment allocation look like?

Where can I change the inflation assumption?

How do I change the asset class of a linked holding?

Why Trace AI

Not just general retirement information. Context from your plan.

Generic AI tools can explain financial concepts. Trace AI is designed to help you understand the WealthTrace plan you're actually working on.

Generic AI assistant

Explains retirement planning concepts in general terms
Relies on information you manually provide
Doesn't inherently know your WealthTrace assumptions or projections
Can offer general directions without your plan's context

✦ Trace AI + WealthTrace

Answers questions using information available from your plan
Helps interpret projections, cash flows, and assumptions
Provides context around investments, taxes, and scenarios
Helps you navigate settings and explore results within WealthTrace

Simple to use

From question to clarity in three steps

Open your plan

Log into WealthTrace and open the plan you want to explore.

Ask Trace AI

Type a question about a result, assumption, feature, or financial planning topic.

Explore further

Use the explanation to review details, update an assumption, or compare scenarios in WealthTrace.

Frequently asked questions

What is Trace AI?

Trace AI is WealthTrace's AI-powered assistant. It helps explain information in your plan, answer questions about projections and assumptions, and guide you through WealthTrace features.

How is Trace AI different from a general AI chatbot?

Trace AI works within WealthTrace and can provide explanations informed by the plan information available to it. A general AI chatbot does not automatically have that context.

Can Trace AI help with Roth conversions and retirement taxes?

Yes. You can ask for explanations of tax projections, Roth conversion concepts and scenarios, and related WealthTrace results. Use the planning tools to model and compare specific alternatives.

Can Trace AI change my plan for me?

Trace AI is designed to help you understand your plan and navigate the software. Review and make plan changes using the appropriate WealthTrace settings and scenario tools.

Which WealthTrace plans include Trace AI?

Trace AI is included with Deluxe Individual and Advisor plans. You can compare the available options on the pricing page.

Does Trace AI provide financial advice?

Trace AI provides educational explanations and software assistance. Its responses are not a substitute for individualized financial, investment, legal, or tax advice.