Get a Free, AI-Powered Financial Plan

What You'll Get (and Why It's Actually Free)

Our AI Financial Planner generates a personalized retirement readiness report that covers what most advisors charge $1,000–$2,500 to produce. In under two minutes, you'll receive:

• Retirement Readiness Score (0–100) — a clear, defensible assessment of where you stand
• Income projection — how much you can safely withdraw monthly in retirement, including Social Security estimates
• Tax optimization opportunities — Roth conversions, TCJA sunset planning, state-specific strategies
• Fee analysis — what you're paying your current advisor vs. what you could pay, and the 10-year dollar impact
• Personalized action items — specific, prioritized steps ranked by dollar impact and urgency

Why is it free? Because we believe that demonstrating value is the best form of marketing. If our free analysis is better than what your current advisor provides, you'll remember us when you're ready for a change. That's the entire business model.

How It Works: AI Meets Real Financial Planning

This isn't a simplified retirement calculator that multiplies your savings by 4%. Our planner uses Claude, one of the most advanced AI models in the world, trained on comprehensive financial planning principles.

Here's what happens when you complete the 8-question assessment:

• Step 1: You answer questions about your age, income, assets, expenses, goals, and concerns (takes ~90 seconds)
• Step 2: Our AI analyzes your complete financial picture using the same frameworks a $500/hour CFP® would use
• Step 3: You receive a detailed report with your score, projections, tax strategies, fee analysis, and prioritized action items
• Step 4: Share it with your spouse, save it, or book a free 15-minute call to discuss the results

The analysis accounts for real-world factors that generic calculators ignore: the 2026 TCJA sunset, Medicare IRMAA thresholds, state-specific tax rules, Roth conversion windows, and Qualified Charitable Distribution opportunities.

How This Compares to SmartAsset and Other Free Tools

You've probably seen other "free financial planning" tools online. Most of them — including SmartAsset, NerdWallet, and Bankrate calculators — are lead generation tools for commission-based advisors. They collect your information and sell it to the highest bidder.

Here's how we're different:

• We don't sell your data. Your information stays between you and Radius. We're the advisory firm — there's no third party buying your leads.
• We give you a real plan, not a teaser. Other tools give you a score and then say "talk to an advisor to learn more." We give you the actual analysis, strategies, and numbers.
• Our AI is more sophisticated. SmartAsset uses basic formulas. We use Claude AI with a comprehensive financial planning prompt that considers tax law, estate planning, Social Security optimization, and more.
• We're a real advisory firm. If you want to work with us after seeing your plan, great. If not, you still got tremendous value for free. There's no bait-and-switch.

Who This Is For

Our AI Financial Planner is designed for people who take their finances seriously:

• Pre-retirees (50–65) who want to know if they're on track and what to optimize before retirement
• Recent retirees who need a withdrawal strategy and want to minimize taxes in the critical first decade
• High earners ($150K+) with complex tax situations who want to understand their options
• Anyone with $500K+ in investable assets who wants to ensure their money is working as hard as they did
• People considering switching advisors who want an independent assessment of where they stand

If you have a pulse and a retirement account, you'll get value from this tool. But it's especially powerful for people with the complexity that justifies professional planning — and the assets that make fee differences add up to real money.