Claude and ChatGPT already do this for me

They are genuinely helpful for educating consumers: explaining concepts, walking through examples, and helping you think about planning in plain language. That is valuable. What they typically do not do is run your full household picture as a multi-year optimization: projecting contributions and withdrawals across time toward a stated goal, while balancing contribution limits, account rules, tax treatment, and the other constraints an optimizer is built to respect. A chat answer is a great starting point. Like our scenario output, it is a recommendation for learning and discussion (not a substitute for a qualified professional’s second opinion. And if you are choosing among recommendations, would you rather they be grounded in math under explicit constraints) or inferred from a conversation?