Microsoft Copilot Joins Our Retirement Planning Team

We are pleased to announce that Microsoft Copilot is now an integrated part of our “How Much Can I Afford to Spend in Retirement?”
team. Copilot enhances our actuarial approach by providing structured
reasoning, rapid scenario analysis, and clear explanations of complex
financial tradeoffs.If you would like assistance interpreting
your funded status, evaluating your assumptions, or stress‑testing your
plan, you may choose to discuss your results with Copilot. It can help
you:Understand how your funded status was calculatedExplore the impact of different investment return or inflation assumptionsAnalyze the effect of market losses or alternative return pathsEvaluate survivor‑phase spending and longevity assumptionsExamine essential versus discretionary spending patternsConsider guardrails or spending adjustments if funded status declinesReview the long‑term sustainability of your planCopilot
does not replace professional financial advice, but it can help you
interpret the results of our Actuarial Financial Planning workbooks,
understand the actuarial logic behind the calculations, and explore
scenarios tailored to your situation.To begin, you can simply share your completed workbook with Copilot and ask any question such as:“Help me interpret my funded status.”“What happens if returns are lower than expected?”“How sensitive is my plan to inflation?”“What if I reduce discretionary spending after the first death?”This step can provide additional clarity and confidence as you evaluate your retirement plan.Copilot strengthens our team in several ways:Actuarial reasoning support — Copilot helps translate longevity, discount‑rate, and funded‑status concepts into practical spending guidance.Scenario exploration — It can evaluate alternative return assumptions, spending paths, and risk allocations on demand.Clarity and documentation — Copilot produces clear explanations, summaries, and communication materials for decisions and assumptions.Consistency with best practices — It helps benchmark assumptions (e.g., expected returns) against widely used capital‑market expectations.On‑demand guidance
— Copilot is available anytime to answer questions about the actuarial
framework, longevity planning, or spending sustainability.We
encourage you to use the Actuarial Financial Planner workbooks and
Copilot to help you make better financial decisions in retirement.