An advisor that knows your numbers.
Not a generic chatbot. Our AI reads your accounts, debts, expenses, and projections — then gives advice grounded in your real data.
Visual "What-If" Analysis
Don't just chat with text. Our AI builds dynamic financial models in real-time. Ask about early retirement, buying a home, or market crashes, and see the impact instantly.
FI-Journey Agent
Running simulations...If I downsize my home at 55, can I retire 5 years earlier?
Yes. Selling your home fully pays off the mortgage. Eliminating that $1,700/mo payment boosts your cash flow, securing your retirement at 55.
Generic chatbots give generic advice.
Asking ChatGPT "should I pay off my 6.5% student loan or max my 401(k) match?" returns a thoughtful answer that has no idea about your tax bracket, your debt balance, your employer's match cap, or any of your other accounts. Without your data, every answer is a guess wearing a confident sentence.
The Advisor we built lives inside your account and reads from it on every message. The same question gets a quantitatively different answer because the model knows that your tax bracket is 24%, your employer match caps at 4%, andyour emergency fund is short. The advice fits the person asking it.
Accounts, debts, simulations — all in context.
The Advisor reads from your profile snapshot and projections preview on every message. It doesn't ask you to repeat your debt balances or your retirement timeline; it pulls those values from the same data the simulator uses, and it cites them when it answers.
The right panel here is a snapshot of what the Advisor sees when you ask it a question. Accounts are typed (Traditional, Roth, Taxable, Cash) because the tax treatment differs by bucket and the recommendation needs to account for it. KPIs from the projection are pinned so the model never advises in contradiction to your own plan.
Accounts
401(k) — Fidelity
$284,300
Roth IRA — Vanguard
$68,200
Taxable — Schwab
$112,500
High-yield savings
$24,800
Projection KPIs
2046
$3.8M
87%
24%
Ask it to act. Watch it act.
The Advisor doesn't write you a five-step instruction to follow on your own. Say "set my December dining limit to $600" and it calls the actual budget-update function, writes the change, and shows you the result. Read operations (analyze, summarize, project) execute automatically; write operations (modify a budget category, change an account) ask for your confirmation first.
The tool surface keeps growing — recent additions include Roth conversion sequencing, Monte Carlo on-demand, and a category-rules editor. New tools are visible in the Advisor's self-description so you can always ask "what can you do?" and get an honest answer.
Set my December dining limit to $600.
Powered by Google Gemini with intelligent routing.
Lightweight tasks — transaction classification, category updates, simple summarizations — run on efficient Gemini models. Strategy questions — Roth conversion sequencing, drawdown optimization, retirement-readiness analysis — automatically escalate to a reasoning-tier model that takes a few more seconds but produces a substantively better answer.
The routing is transparent. The model name and the latency envelope are visible in the chat metadata, so you can see which tier answered a given question. Anyone who has spent time with general-purpose AI tools will recognize the difference between the two tiers immediately.
AI Advisor is included with Pro.
$9.99 / month. 14-day free trial, no credit card. Cancel any time.
Start 14-Day Free TrialWhat the Advisor will (and won't) do.
Your data never trains a public model.
All AI requests are scoped to your encrypted profile.
Tool calls require explicit confirmation for destructive actions.
Conversation history is encrypted at rest.
Everything you might be wondering
No. The AI Advisor is exclusive to the Pro tier ($9.99/month). The 14-day free trial includes full Advisor access.
Google Gemini, with intelligent routing: routine tasks use efficient models, strategy questions automatically escalate to a reasoning-tier model.
Yes — within your authorized profile. It reads your accounts, debts, transactions, and projection results on every message and grounds its responses in those numbers.
Yes. Given your traditional IRA balance, expected income, and tax brackets, the Advisor can propose a year-by-year conversion schedule that minimizes total lifetime tax.
Yes. With Plaid sync enabled, the Advisor can classify imported transactions using your historical category patterns and execute bulk updates after your approval.
No. Your conversation history is encrypted at rest and is never sent to public model training. Only the in-context request payload is shared with Gemini, scoped to your authorized profile.
Read actions (analyzing spending, summarizing projections) execute automatically. Write actions (changing budget limits, modifying categories) request explicit confirmation before execution.
ChatGPT and Gemini don't have access to your accounts, debts, or simulator results. The Advisor reads them on every message, runs simulations on your behalf, and executes tool calls (budget updates, category changes) against your data.