This paper describes the technical and conceptual development of the LuminLab platform, an online tool that integrates a purpose-fit human-centric AI chatbot and predictive energy model into a streamlined front-end that can rapidly produce and discuss building retrofit plans in natural language. The platform provides users with the ability to engage with a range of possible retrofit pathways tailored to their individual budget and building needs on-demand. Given the complicated and costly nature of building retrofit projects, which rely on a variety of stakeholder groups with differing goals and incentives, we feel that AI-powered tools such as this have the potential to pragmatically de-silo knowledge, improve communication, and empower individual homeowners to undertake incremental retrofit projects that might not happen otherwise.