Two partners answer 101 questions separately. Any AI model merges them into one retirement plan — where to live, how to spend the time, what has to be within reach.
Most couples plan retirement by talking about it — and the louder preference wins, or the conversation gets postponed again. The Retirement Avatar starts somewhere else. Each partner answers 101 structured questions alone, honestly, without negotiating. Then any capable AI model merges the two answer sets and shows you what you actually agree on, where you genuinely differ, and which places and plans fit you both.
Each partner completes their own answer file — 13 sections, about 90 minutes. Separate rooms, separate sittings, no comparing notes. The honesty is the raw material.
Paste the merge prompt into Claude, ChatGPT, or Gemini along with both files. It builds your Couple Retirement Avatar: hard constraints, shared priorities, and every divergence — surfaced, never averaged away.
A scored location shortlist. A sample ordinary week that honors both of you. A healthcare checklist any candidate town must pass. A practical punch list. And a conversation agenda, ranked by how much each item affects the plan.
Work the agenda one item at a time. Each resolution becomes a dated decision file the AI respects from then on — nothing gets relitigated by accident.
Deep-dive the shortlist, plan scouting trips built to test your open questions, and re-run the review yearly as life changes.
The one rule of the merge: disagreements get surfaced and scheduled — never averaged into mush. A compromise halfway between "near the grandkids" and "living abroad" serves no one. The avatar records both truths; your conversation resolves them.
Any capable model — Claude, ChatGPT, or Gemini, including free tiers. Agent tools like Claude Code and Cursor read the folder directly; chat models get the included paste-in setup prompt.
No. One download, one folder, one AI account. The answer files themselves are filled out in any text editor.
Plain Markdown in plain folders — no app, no subscription, no account with us. Built on the Context Architecture System™ open standard: your files are yours, readable by anything, forever.
The workbook lives on your machine and is read by whichever AI you choose, under your own account. Nothing is transmitted to us — we never see your answers.
That is the point. The merge finds disagreement early and turns it into an agenda you can talk through — instead of a discovery you make after the moving truck.
No. It gathers preferences and produces planning support. Decisions about money, health, insurance, and residency deserve licensed professionals.
Planning support, not financial, medical, or legal advice. Refunds are covered by the store refund policy. Refund policy · Terms