The tool connects bank and brokerage accounts, asks a short risk and timeline profile, then generates a prioritized funding plan across emergency savings, retirement accounts, tax-advantaged wrappers, and low-cost diversified portfolios. It includes product red-flag checks for minimum investments, concentration risk, fees, lockups, and suitability before users commit funds.

Retail investing is increasingly app-driven, but first-time investors are overwhelmed by product choice and country-specific tax rules. Younger earners are starting earlier and want automated guardrails before moving meaningful savings into markets.