A mobile/web app that walks users through a guided intake (country, income, employer benefits, goals), then auto-recommends the optimal account mix, explains each in jargon-free language tied to their situation, and connects via Plaid/open banking to set up automatic contributions. Includes a benefits-packet scanner that turns HR enrollment PDFs into plain-English comparisons with personalized recommendations.

Rising contribution limits (2026 TFSA, Roth IRA), new account types like FHSA, and a wave of late-20s/early-30s first-time investors entering the market have outpaced what robo-advisors and bank websites explain. Modern LLMs can now parse benefits documents and personalize guidance at scale.