The retirement planning landscape is undergoing a profound transformation, fueled by the rise of artificial intelligence (AI) and fintech solutions. While traditionally underserved populations—those with limited access to financial advisors or employer-sponsored retirement plans—have often faced barriers to saving for the future, AI-driven tools are starting to level the playing field.
From AI-powered financial apps to digital platforms that provide personalized planning advice, technology is making it easier for individuals to assess their financial situation, identify retirement goals, and build a sustainable savings plan. These tools not only offer convenience and low cost, but they also help users avoid predatory practices and misinformation that have historically plagued low-income or marginalized communities.
Fintech platforms are also bringing transparency to financial services and empowering individuals with data-driven insights. AI can analyze income patterns, automate savings suggestions, and provide alerts to adjust spending or contributions—all of which help users take proactive steps toward long-term financial health. Case studies already show how mobile apps and robo-advisors are improving outcomes for users who may not have previously trusted or accessed traditional financial institutions.
Importantly, AI has the potential to increase financial inclusion by offering multilingual support, removing biases from financial advice, and enabling peer-to-peer platforms that provide community-based lending or investing models.
At RMC Group, we’re at the forefront of fintech innovation, helping employers design smarter, more efficient retirement plans. Our proprietary web-based system, PlanGen, allows you to easily compare plan designs, run real-time valuations, and customize retirement solutions that align with your business goals and employee needs. We combine advanced technology with expert guidance to simplify the retirement planning process—saving you time, reducing complexity, and empowering your team to save with confidence. With RMC Group, you get more than a provider—you get a strategic partner in building financial wellness for your workforce.
Click here to schedule a meeting with our Retirement Team today.