Retirement planning gets personal at mass scale

Today: genuinely personalized retirement planning is largely reserved for those who can afford a human advisor; everyone else gets generic rules of thumb.

The next five years: personalized, dynamic planning — adjusting to each person's income, goals, and markets — becomes available at mass scale and low cost, embedded in the platforms people already use.

The AI relation: models deliver individualized planning at near-zero marginal cost; the scarce resources become trust and the quality of the underlying advice.

Signal: personalized retirement guidance is decoupling from wealth. Watch who can deliver it at scale, and whom users trust to.