Models can be updated when foundations domain knowledge graphs are built on change. As of this comment, target date funds and pensions containing trillions of dollars adhere to the assumptions you mention (asset class allocation, growth rate and return assumptions, safe withdrawal rates ["Trinity study" aka ~4%/year], etc), and so consumers of AI provided guidance assuming these foundations could do much worse (as they already do today due to lack of information, knowledge, will, etc).

You literally just need to stick the Bogleheads forum into your AI assistant of choice for most folks, if they'll listen (which is the hardest part, imho, people want to gamble, not invest, in my experience). Prompt "What is your age?" respond "Optimal target date fund is 20XX fund based on your current age and retirement age, please confirm to set to default for investing." I suppose this will eventually make its way in some form into every banking, fintech, and brokerage mobile app chatbot in some capacity.

https://www.bogleheads.org/wiki/Getting_started

https://en.wikipedia.org/wiki/The_Index_Card

If you want to get fancy, crib off of California's now mandatory high school financial literacy curriculum for grounding.

https://www.cde.ca.gov/ci/cr/cf/personalfinance.asp

https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml...

("computah, teach me how to personal finance and invest")