Pick the plan that’s right for you.

Financial Boss makes managing money fun and easy. The ability to interact with AI avatars from history and pop culture makes dealing with finances something you look forward to. Our Agile approach to financial planning uses a Kanban board to keep you on track and can adapt to your changing needs.

As a Registered Investment Advisor (RIA) in the State of New York, serving clients in all states pursuant to regulatory exemptions, Financial Boss can offer both financial planning and investment management advice. We offer a higher level of service compared with pure technology solutions that provide little guidance on what you need to do and does not keep you accountable. 

We understand that this isn't for everyone, and you won't hurt our feelings if you move on. The founder always enjoyed reading history and philosophy. He also thought that a major obstacle for people to improve their financial situation was that personal finance could feel impersonal and intimidating.

We thought it would be so much more fun and engaging to interact with a disembodied bot with some personality. Rest assured, while your Financial Boss serves as your liaison, all the financial recommendations are made by live humans who hold the Certified Financial Planner™ (CFP®) desgination and act as financial fiduciaries on your behalf. 

Napoleon Bonaparte once said, "I'd rather have lucky generals than good ones." We see the goal of financial planning as drastically increasing your odds for a successful outcome through careful planning and foresight. However, even the best laid plans crumble in front of fate. We all could benefit from a little more luck. The fact that number "8" is considered lucky in Asian culture, and the founder was born on August 8, convinced us to feature it prominently in our pricing. I suppose we're somwehat superstitious.

According to the CFP Board website:

"For 50 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first."

Whether your immediate goal is to payoff debt or save for college, financial planning consists of a series of projects. Our Project Management Professionals (PMP)® apply Agile best practices from the tech industry to help you identify goals, manage your priorities, and achieve your goals along your journey.

Financial Boss charges a flat fee for financial planning services and a separate "assets under management (AUM)" fee for managing investments. We do not charge commissions nor do we receive payment for order flow. According to the National Association of Personal Financial Advisors (NAPFA):

"NAPFA’s position is that the Fee-Only method of compensation is the most transparent and objective method available. This model minimizes conflicts and ensures that your financial planner acts as a fiduciary. Fee-Only planners are compensated directly by their clients for advice, plan implementation and for the ongoing management of assets."

Financial Boss does not sell your personal information to third parties for advertising or marketing purposes. We take data security seriously. Our financial planning software and investment custodian both use 256-bit symmetric encryption and are SOC 2 Type 2 compliant.

View our Privacy Policy and Disclaimer to learn more.

Yes, our investment custodian is a member of the Securities Investor Protection Corporation (“SIPC”). Securities held in your brokerage account are protected up to $500,000 (including $250,000 for claims for cash). In addition, our investment custodian carries an excess SIPC policy with underwriters at Lloyd’s of London, which extends the per account coverage by an additional $40 million (with a cash sub limit of $2 million), subject to an aggregate limit of $150 million across all custodian accounts.

Our investment custodian offers an FDIC Bank Sweep Program that provides you with the ability to automatically “sweep” uninvested cash balances in your account into Federal Deposit Insurance Corporation (“FDIC”) insured bank deposit accounts. Cash swept into an interest-bearing account is federally insured up to applicable FDIC limits in the event of a bank failure. FDIC coverage limits are $250,000 for all deposits (checking, money market, savings, CDs, etc.) per depositor, per insured bank, for each account ownership category.

Please note that FDIC and SIPC insurance do not cover against investment losses, but rather insure your assets should they go missing or are at risk.