Released in April 2025, OpenAI's GPT-4.1 brings powerful improvements in reasoning, long-term memory, and strategy—ideal for answering complex pension and retirement questions. Its ability to consider a full financial picture and explain long-term trade-offs marks a leap forward from earlier models.
Released in May 2025, Anthropic's Claude Sonnet 4.0 has a strong grasp of nuance and context, making it particularly good at complex reasoning and careful, safety-conscious answers - a reflection of Anthropic’s “Constitutional AI” approach.
Released in February 2025, Google's Gemini 2.0 Flash has the advantage of being Grounded by Google Search, meaning it can access the very latest information on the internet. Grounding links the model's output to reliable information sources, reducing the chances of the model generating inaccurate or made-up content.