AI-Powered Wealth Management

Personalized Analysis

Advice based on your real numbers, not generic rules of thumb.

Ask any financial question and get answers that reference your actual salary, contribution rates, employer match, and tax situation. Every response is grounded in your data.

The AI calculates specific dollar amounts and tax implications for your situation, so you can make decisions with confidence.

Try it free →

Optionality AI

Knows your full financial context

Should I increase my 401k contribution?

Great question. Let me look at your situation.

Your salary is $165,000 and you're currently contributing 6% ($9,900/year). Your employer matches 50% of the first 6%, so you're getting the full $4,950 match.

I'd suggest increasing to at least 10% ($16,500/year). Here's why:

• The extra $6,600/year grows tax-deferred
• At your marginal rate (24%), that saves you roughly $1,584 in federal taxes this year
• After 25 years at 7% average returns, that extra contribution alone could grow to ~$425K

✓ Bottom line: You can afford the increase. Your monthly take-home would drop by about $412 after the tax savings, but you'd be building significantly more long-term wealth.

Financial Health Check

Honest assessments that tell you where you stand and where to improve.

Get a clear picture of how your finances compare to benchmarks for your age and income level. The AI highlights what you're doing well and where to focus next.

No sugar-coating. The AI surfaces specific gaps in your plan and gives you actionable steps to close them.

Get your health check →

Optionality AI

Analyzing your financial health

How am I doing compared to where I should be at 34?

Let me break this down for you.

Your net worth is $340,000. The median net worth for Americans aged 30-34 is around $100K, so you're well ahead of the curve.

• Your savings rate is 27%, which is excellent (most people save under 10%)
• Your investment allocation is reasonable with 72% equities
• Your debt-to-income ratio is healthy at 0.15

⚠ Emergency fund is low. You have 1.8 months of expenses saved in cash. The recommended target is 6 months ($28,200 for your spending level). Consider building this up before increasing investment contributions.

✓ Overall: You're ahead of most people your age. Priority #1 should be building your emergency fund to at least 3 months, then resume maximizing tax-advantaged accounts.

Multiple Perspectives

Get advice through the lens of the world's greatest investors.

Choose from personas inspired by Warren Buffett, Ray Dalio, Charlie Munger, Bill Ackman, Cathie Wood, and more. Each one analyzes your finances through their own investment philosophy.

Want a value investing perspective on your portfolio? Ask Buffett. Curious about risk parity? Switch to Dalio. You can also create a custom persona based on your own principles.

Try all personas free →

Optionality AI

Choose your perspective

What would Buffett think of my portfolio?

Switching to Buffett-inspired perspective. Looking at your holdings, I see 14 individual stocks across 8 sectors. Buffett would likely say you're over-diversified for someone picking stocks. He prefers concentrated bets on businesses you truly understand.

Buffett inspired ▾

Ask about your portfolio...

➜

Choose your perspective

◆

Buffett

Inspired

◇

Dalio

Inspired

◊

Munger

Inspired

◉

Ackman

Inspired

●

C. Wood

Inspired

+

Your Own

Your AI financial companion that actually knows your money.

How It Works

Quick Onboarding

Connect Your Accounts

Chat With Your AI

Advice based on your real numbers, not generic rules of thumb.

Honest assessments that tell you where you stand and where to improve.

Get advice through the lens of the world's greatest investors.

Ready to talk to an AI that knows your finances?