A web app connects bank, brokerage, and pension accounts, then models cash flow, goals, risk profile, and country-specific account rules to recommend an allocation and contribution plan. It can compare lump sum versus DCA, flag concentration or fee issues, simulate retirement or care-cost drawdowns, and generate rebalancing actions users can execute themselves.

Younger earners and families are increasingly self-managing investments through low-cost brokerages, while inflation, high cash yields, and volatile markets make allocation decisions feel more consequential. Cross-border ETF access and tax-advantaged accounts also make generic advice less useful.