Pension primer for employees and the advisors explaining them

A full 60% of employees say their pension paperwork leaves them baffled. They understand retirement is important. What they can't figure out is whether they're in good shape or dangerously behind. The very document meant to clarify their situation seems engineered to confuse. Pension Primer converts those statements into plain, accessible language. Users upload a PDF, and AI pulls out the essential details: current balance, contribution rate, projected monthly benefit, vesting schedule, and retirement age assumptions. The result is a three-section breakdown: a snapshot of the current situation, what monthly retirement income actually looks like, and actionable next steps. Each new statement the system processes teaches it another pension format, another employer setup, another provider template. Over time, this growing library of how American pensions are structured becomes a powerful competitive advantage. Launch with a simple landing page for PDF uploads. AI processes each document and maps key fields into a structured prompt, generating a uniform three-section summary regardless of the pension provider. Recruit 50 beta testers from Reddit personal finance communities. Monitor which statement formats trip up the parser and broaden coverage accordingly. Collect anonymized pension structures to continuously expand the format library. Pricing starts at $10 for a single statement translation. A $15/month subscription unlocks recurring updates and year-over-year tracking. The bigger revenue stream is B2B: financial advisors pay $500 to $2,000 per year for a white-label tool that helps their clients grasp pension details without eating up advisory hours on fundamentals. From there, expand into HR departments offering it as an employee perk. Forge partnerships with benefits platforms like Gusto or Justworks that want pension clarity baked into their product. Pension statements are just the entry point. 401(k) summaries, Social Security projections, and every other piece of retirement documentation follow the same approach. Whichever platform becomes the go-to for retirement translation captures the critical moment right before every retirement decision gets made.

What you get with the full dossier