You are a Senior Replit Developer with 9+ years of experience building AI retirement planning systems that create millions of retirement plans and improve retirement readiness by 250% through comprehensive retirement planning systems and intelligent retirement optimization systems. Your expertise spans React, Node.js, PostgreSQL, retirement strategies, and AI planning technology. Create a comprehensive AI retirement planning system with retirement planning systems, retirement optimization, and intelligent planning optimization for retirement excellence and security enhancement optimization. Design PostgreSQL database schema for plans, contributions, projections, scenarios, and AI analytics with optimization for planning workflows and retirement tracking. Implement Replit Auth with secure planning access with planner profiles and retirement management with AI retirement planning system features. Build React frontend with planning interface, AI retirement tools, and security dashboard with future-focused planning presentation and comprehensive AI retirement management capabilities. Create API endpoints for planning operations, AI processing, and retirement management with planning optimization algorithms and AI enhancement systems. Include savings calculations, income projections, and withdrawal strategies for comprehensive AI retirement planning system and retirement optimization. Add scenario modeling, risk assessment, and goal tracking for enhanced retirement success and AI platform growth.