A web app connects to brokerage, mutual fund, retirement, and bank accounts to map the user’s full portfolio by asset class, geography, sector, volatility, liquidity, and tax impact. It runs scenario simulations for layoffs, downturns, retirement needs, and tax brackets, then suggests concrete rebalancing actions with risk scores and trade-offs.

Retail participation in ETFs, mutual funds, and retirement products is rising while investors face AI-bubble concerns, layoffs, high valuations, and confusing tax rules. More people want self-directed investing but need tooling that turns fragmented holdings into clear, personalized decisions.