Plan with the assistant

Before you start

• The group exists in Wealthie and its client file is reasonably up to date (people, income, spending, assets and liabilities).
• You are working in the organisation that holds the group. The in-app assistant only sees the active organisation; switch organisation from the account menu at the bottom of the left sidebar if needed.
• You understand how approval cards work. See Assistant controls.

Where to find it

• Left sidebar → Dashboard → the Ask Wealthie box.
• Type @ to mention a group and / to pick a skill.

Start the session

1. 1

   Step 1: Mention the group

   In the Ask Wealthie box, type @ and choose the group. The assistant names the organisation alongside the group so you can confirm it is the right client.
2. 2

   Step 2: Load the planning session skill

   Type / and choose the planning session skill, then say what you want to explore, for example “retiring two years earlier” or “paying down the mortgage faster”. If you are not sure, ask it to suggest ideas from the file.
3. 3

   Step 3: Answer the opening questions

   The assistant reads the file, opens a planning board with a short client picture and asks what you want to explore and whether you want a file note logged at the end.

Settle the status quo first

1. 1

   Step 1: Check the existing baseline

   If the group already has a status quo scenario, the assistant checks whether it is out of date against the client file and tells you what would change.
2. 2

   Step 2: Refresh a copy rather than the original

   If it is stale, the assistant offers to refresh a copy with today's figures (for example “2026 – Status quo”). It does not refresh your original in place unless you ask. See Scenario refresh and history.
3. 3

   Step 3: Confirm the role

   When you agree, the assistant labels the baseline as Status quo. Changing a role on an existing scenario asks for your confirmation.

Explore options

1. 1

   Step 1: Build each option from the status quo

   Each option is created as a copy of the status quo, so options differ only by their strategy. The assistant changes the plan through planner events, for example moving the Retire event from 65 to 63, and tells you what it changed in those terms.
2. 2

   Step 2: Ask goal-seeking questions

   For questions such as “how much can they spend in retirement” or “what is the earliest they can retire”, the assistant uses the solver. It can solve for retirement age, partner retirement age, retirement spending, pre-retirement spending, annual contribution, lump sum, goal amount or goal age, against targets such as a chance of success, money lasting to an age, final net wealth, net wealth at an age, or a goal being affordable.
3. 3

   Step 3: Run stress tests

   For risk and insurance conversations, ask for a stress test. Available tests include a market crash now or at retirement, death, total and permanent disability, trauma and redundancy for each partner, and living longer. Historical crisis replays (1987, dot-com, GFC and COVID-19) can be run with a bad, average or good start. Existing life and TPD cover is applied as a payout.
4. 4

   Step 4: Keep an eye on the planning board

   The board refreshes after each change, with net wealth, comparison, cashflow and property charts. Every figure comes from the engine and is labelled projected and in future or today's dollars.

Wrap up and hand off

1. 1

   Step 1: Check consistency

   The assistant compares the status quo with every option you are keeping. Differences are classed as assumption, starting position or strategy differences. A set is consistent only when there are no assumption or starting-position differences that you did not intend. The assistant can align them if you agree.
2. 2

   Step 2: Choose the recommendation and set roles

   You decide which option is the recommendation. The assistant then sets the roles in one go: Status quo, Recommended and any Alternative scenarios you keep. Marking a scenario as the client's current plan is separate and needs your explicit confirmation.
3. 3

   Step 3: Tidy up

   The assistant lists scratch scenarios and options you did not keep and asks what to do with them. It deletes only scenarios you name, with a confirmation for each.
4. 4

   Step 4: Log the file note (if you asked for one)

   It shows you the note first: purpose, scenarios and roles, headline projected figures with their basis, decisions and next steps.
5. 5

   Step 5: Hand off

   Load the Strategy Brief skill to present the options to the client, or the SOA skill if you are recommending products. Both read the scenario roles directly, so nothing needs to be copied across.

What you should see

• A planning board showing the status quo and each option side by side.
• Scenarios in the group labelled Status quo, Recommended and Alternative, ready for document generation.
• Optionally, a file note on the group recording what was explored and decided.

What is saved or sent

• Edits to scenarios the assistant created in this session apply without a separate preview. Changes to your existing scenarios are previewed first and need your explicit yes.
• In the in-app assistant, changes raise an approval card by default. Your Assistant approvals preferences can allow selected kinds of change without a card.
• Nothing is sent to the client during a planning session.
• Monte Carlo results are seeded, so re-running the same scenario gives repeatable figures.

If something goes wrong

The assistant cannot find the group

Check you are in the right organisation (account menu → Switch organisation). The in-app assistant only works in the active organisation.

An option changed something I didn't intend

Ask the assistant to compare the option with the status quo and explain the differences. To undo a saved change, ask it to list the scenario's recent changes and restore an earlier version. See Scenario refresh and history.

KiwiSaver figures are missing or flagged

If a scenario has an invalid KiwiSaver employee rate, the assistant will not quote its KiwiSaver figures. Valid employee rates are 3.5%, 4%, 6%, 8% and 10%; ask it to fix the rate.

An approval card expired

Approvals are single-use and expire after 10 minutes. Ask the assistant to propose the change again.