How Finn Gives Personalized Financial Advice
Finn is built to help with the decision behind a financial question, not just provide a generic answer. When you ask Finn what to do next, it can consider the accounts you have connected and the context you have shared about your situation.
Advice starts with context
Depending on the question, that context can include your cash, spending, debt, investment and retirement accounts, portfolio concentration, tax information, goals, investment horizon, and risk preferences. Finn can also identify when it needs an important fact before it can responsibly rank a decision.
How Finn works
How Finn approaches a financial question
- 01
Understand the decision
Finn identifies what you are trying to decide and the trade-offs involved instead of jumping to a product or trade.
- 02
Use relevant financial context
It brings in the accounts and information that affect that choice, such as cash reserves, debt costs, contribution room, taxes, or portfolio risk.
- 03
Surface missing information
If an answer depends on facts Finn cannot infer—such as an employer match or a personal goal—it should ask rather than guess.
- 04
Explain the next step
Finn gives the reasoning and, when appropriate, helps you understand or prepare an available action.
Advice is broader than investing
Finn can help connect investing decisions to cash flow, debt, retirement savings, taxes, and goals. For example, adding to a portfolio may not be the first priority if a high-interest balance, missing employer match, or near-term cash need deserves attention first.
Common questions
- Is Finn’s advice based only on my investments?
- No. Finn can consider a broader financial picture, including cash, debt, spending, retirement accounts, taxes, goals, and investment context when those details are available.
- What happens if Finn does not have enough information?
- Finn can ask for the missing fact instead of assuming it. Some details, such as an employer match or a personal goal, are not visible in account data alone.
- Can Finn help with a decision that involves more than one account?
- Yes. Finn can consider connected cash, debt, investment, retirement, and credit accounts together when those accounts are relevant to the decision.
- Can I tell Finn about a goal or preference it cannot see in my accounts?
- Yes. Details you share, such as a goal, timeline, or employer-match information, can help Finn frame a more useful answer.
- Does Finn replace a tax or legal professional?
- No. Finn can help explain financial trade-offs and identify questions to investigate, but tax and legal decisions may require qualified professional advice.
- Can Finn explain why it reached a conclusion?
- Finn is designed to explain the financial context and trade-offs behind a recommendation or insight so you can decide what to do next.
- What if I disagree with Finn’s suggestion?
- You remain in control. Finn’s role is to help you understand the decision; you decide whether to act, explore another option, or do nothing.
