Financial planning powered by human capital analytics + artificial intelligence

Security Type
Crowd SAFE
Finance, Personal finance, B2C
Min Investment
Offering Date
December 01, 2021
Expected Close Date
March 15, 2022
Amount Raised
Target Raise
No. Investors
Security Price

Company Description

Current financial planning leads to missed goals and undue stress for young professionals


Current financial planning approaches are not suited for young professionals for 2 primary reasons:

  1. There is no easy way to create an actionable and seamless financial "big picture." While you can aggregate your online accounts using third-party sites, the picture remains fragmented under the fancy user interfaces. For instance, there is no way to model how putting an extra $50 a month towards your student debt would impact your ability to save for retirement or how much home you could afford in 5 years.
  2. Current financial planning ignores the most valuable type of assets for young professionals: Human Capital assets. Not only is the traditional "big picture" fragmented, it is also incomplete.

Relying on a fragmented and incomplete picture can have disastrous consequences for young professionals:

  • The average net worth of individuals age 18-35 has decreased 34% since 1996 per The Washington Post.
  • In a recent article, CNBC outlined that "over a third of millennials believe they’ll never be able to stop working".
  • Worse yet, a 2020 study published in The American Journal of Epidemiology showed financial hardship can make people up to 20x more likely to make (or take) an attempt on their lives.

Key Deal Facts

AI-powered financial planning solution for young professionals
Exiting beta with $1.6B of assets and debts on platform, from 10K+ members
Proprietary technology built on human capital and behavior analytics
New partnership with industry association with 130K members
Extremely capital-efficient with only $225K raised since inception

Security Description

An equity crowdfunding specific version of a SAFE used by crowdfunding portal Republic. Upon conversion (if and when that happens), investors may receive special shares with limited rights that do not show up on a company’s cap table. The issuer may roll over and not convert shares at the next financing round causing investors to lose out on some upside.

Research Reports

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