Abstract: Embodiments of the present invention provides a micro-moment or nuanced personalization eco-system for a user interaction with an entity via any channel. The system first preforms a gauge of the user's level with personalization of interactions and channels via rule set and clustering analysis. System then inputs and creates a forecasted algorithm for the user personalization. The invention further utilized micro-movement capture to identify micro changes to user visualization and conforms presentations based on the micro-movements. The invention further provides a backend feedback loop model to identify personalization levels for each user.

Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a face retirement tool that allows a user to help plan for retirement. The face retirement tool receives an image by capturing an image of the user. In some embodiments the person takes an image of the user's face using an interface in the face retirement tool. The face retirement tool ages the image of the user's face into one or more separate images illustrating the user's face at different ages at points of time in the future. The face retirement tool further provides retirement tools to the user through an interface, in order to assist the user in planning for retirement. The retirement tools may be accessed through links in the face retirement tool or the retirement tools may be included as part of the face retirement tool.