AnchorPlan
An AI financial planner that interviews you with structured, expert prompts — then delivers a complete retirement, savings, and investing roadmap that adapts to job loss, market shocks, and life events.
working-age adults without a financial advisor who want serious, personalized retirement guidance
- Guided intake interview that mirrors the 'academic prompts' proven to elicit better LLM advice in MIT research
- Shock-simulation engine that re-runs your plan under unemployment, divorce, or a market drawdown
- Quarterly rebalance check that nudges you when your portfolio drifts from target allocations
- Plain-language explanations citing the underlying financial principle behind every recommendation
MIT Sloan research just confirmed LLM financial advice is good — but only with the right prompts, and half of Americans are already turning to AI for money questions without that structure.
46-51% of Americans already use AI for financial advice and ~50% trust it (FNBO 2025, ABA survey), but 62% still distrust reliability, capping the ceiling.Survey: Consumers increasingly turn to AI for financial advice ↗55% of Americans now use AI for financial advice ↗
Crowded market: Tendi, Origin (new D2C AI advisor per Kitces), PortfolioPilot, Mezzi, Boldin, Wealthfront, Betterment, Empower, Monarch all compete directly on AI-powered planning.The Best AI Financial Advisors of 2025: A Head-to-Head Review ↗The Latest In Financial #AdvisorTech (October 2025) ↗
Proven willingness to pay via subscriptions (e.g., Mezzi Gold $20-29/mo, Platinum tier), but AnchorPlan must beat free ChatGPT and free Wealthfront/Betterment tiers.Best AI Financial Advisor - Mezzi ↗Tendi | Your Personal AI Financial Advisor ↗
Multi-decade retirement planning need, aging demographics, MIT-validated underlying approach, and growing advisor gap create durable demand; regulatory risk on advice wording is the main fragility.Half of Americans now ask AI for financial advice, but how good is it? ↗AI Financial Advice: Supply, Demand, and Life Cycle Implications ↗
Prompt-engineered interview wrapper is technically straightforward, but real difficulty is Plaid/brokerage integrations, scenario modeling accuracy, and SEC compliance around personalized advice.AI Financial Advice: Supply, Demand, and Life Cycle Implications ↗