Copilot Will Review Your Completed Actuarial Financial Planner Workbook

Many
users have told me they aren’t always sure how to enter their assets
and spending liabilities into the Actuarial Financial Planner (AFP)
Excel workbooks. That’s completely understandable — the actuarial
approach is powerful, but it’s also more detailed than traditional “safe
withdrawal rate” tools.To make things easier, Microsoft
Copilot can now review your completed AFP workbook and provide a clear,
structured summary of what you entered — along with comments on your
actuarial funded status.What Copilot will doReview your completed AFP workbook and restate your inputs in plain languageCheck for missing or inconsistent entries in assets, recurring expenses, discretionary spending, and non‑recurring liabilitiesSummarize your household’s spending obligations and the time horizon they coverComment on your actuarial funded status, including whether your current spending level appears sustainable under your assumptionsSuggest corrections or clarifications if something looks off (e.g., missing future expenses, mismatched time periods, or assets not linked to spending streams)Why this mattersMany people struggle with:How to categorize expensesWhat the % upside (for assets) and % essential (for spending liabilities) entries meanHow to enter irregular or one‑time spendingHow to structure assets so they align with future liabilitiesHow to interpret the funded‑status outputCopilot
can bridge that gap by reading the workbook directly and giving you a
personalized explanation of what your inputs mean — using the same
actuarial logic the AFP workbook is built on.How to use itAfter you complete your AFP workbook:Open CopilotUpload your Excel fileAsk: “Please review my completed Actuarial Financial Planner workbook and summarize my inputs and funded status.”Copilot
will walk through your data, highlight anything that needs attention,
and help you understand your funded status in a clear, actuarial way.This
is a simple but powerful step toward making the actuarial approach more
accessible for everyone — and helping users avoid common input mistakes
that can distort their funded‑status results.