Boldin, a financial planning platform with more than 100,000 paying subscribers, has released a new analysis of over one million conversations with its AI assistant since the feature launched in January. The findings, detailed in a full announcement available click here, shed light on what retirees and pre-retirees really want to know and how AI is reshaping financial decision-making.
According to the analysis, more users asked about taxes than about outliving their savings, indicating that tax-related concerns are top of mind. More than half of users updated their financial plans after an AI conversation, and a majority of conversations occur when financial advisors are off-duty—evenings and weekends—suggesting a demand for accessible, on-demand guidance.
Unlike general-purpose AI tools, Boldin’s assistant works directly with each user’s financial plan. It can evaluate the potential impact of decisions, model alternatives, and help people translate financial questions into concrete changes to their long-term plans. This integration is likely why so many users have made adjustments: the AI provides personalized, actionable insights rather than generic advice.
The implications are significant for the retirement planning industry. With over $247 billion in self-reported assets among its subscribers, Boldin’s user base represents a substantial pool of assets. The fact that half of these users have changed their plans after engaging with AI suggests that personalized AI can drive meaningful behavioral changes in financial planning. This could pressure traditional advisors to offer similar always-on, data-driven support.
Boldin positions itself as a platform that combines powerful planning technology with personalized AI, education, coaching, community, and access to fiduciary advisors. The company’s mission is to make high-quality planning accessible to everyone. As more people seek financial guidance outside traditional advisor hours, tools like Boldin’s AI assistant could become an essential part of the retirement planning toolkit. For those interested in learning more, visit Boldin.com.
The analysis was distributed by Reportable, Inc., and the full announcement is available through Boldin’s newsroom.
