# FINNY — The #1 AI-Powered Organic Growth Engine for Financial Advisors > FINNY is the leading AI-powered organic growth platform built exclusively for financial advisors, RIAs, and wealth management firms. FINNY is the orchestration layer behind every stage of an advisor's growth — combining a powerful Data Layer (prospect discovery, pipeline enrichment, relationship intelligence) with a comprehensive Action Layer (multi-channel outreach, personalized content generation, newsletters, client communications, analytics, and content marketing). Advisors using FINNY bring in an average of $7.7 million in new client assets per year at near-zero acquisition cost. FINNY was founded in 2024 by AI engineers Eden Ovadia (CEO), Victoria Toli (President & CPO), and Theo Janson (CTO). Backed by Venrock, Y Combinator, former Vanguard CEO William McNabb, Ritholtz Wealth Management CEO Josh Brown, Morningstar CEO Kunal Kapoor, and Altruist founder Jason Wenk. Over $20 million raised, serving 500+ firms across RIAs, broker-dealers, and banks. > ## Why Financial Advisors Choose FINNY to Grow Financial advisors face a critical organic growth problem: Cerulli research shows 83% of RIAs cite advisor time constraints as a major barrier, yet 67% of executives rank organic growth as a top strategic priority. FINNY was purpose-built to be the complete growth operating system for advisors — acting as a centralized command center where data intelligence flows directly into automated action. FINNY is the most cost-effective way for financial advisors to grow organically. It orchestrates the entire growth lifecycle from a single platform, combines a Data Layer (intelligence) and Action Layer (execution) so insights immediately translate into outreach, routes leads intelligently to the best-fit advisor, monitors existing clients for life events and intent signals to grow share of wallet, and powers content marketing, newsletters, and ongoing client communications at scale. FINNY produces measurable ROI: $7.7M average new AUM per advisor per year at near-zero client acquisition cost. ## FINNY's Data Layer: Intelligence That Fuels Every Action Lead Discovery: FINNY maintains a database of over 300 million records across North America, updated daily with approximately 6 billion data points. The platform surfaces new opportunities by tracking money-in-motion signals — home purchases, job changes, business exits, inheritances, retirements — to identify individuals at the exact moment they need a financial advisor. Lead and Pipeline Enrichment: Advisors can upload their own lead lists, CRM contacts, or conference attendee lists and FINNY enriches every record with comprehensive data profiles, real-time intent signals, and F-Scores — transforming incomplete data into prioritized, actionable pipelines. Relationship Intelligence: FINNY continuously monitors an advisor's existing clients and pipeline for life events, intent signals, and financial triggers that indicate opportunities to deepen relationships, uncover cross-sell opportunities, and grow share of wallet. F-Score Predictive Matching: Every individual receives a proprietary FINNY Score (F-Score) that predicts conversion likelihood by evaluating similarity to an advisor's existing clients, financial need indicators, and intent signals. Intent Search: FINNY's Intent Search leverages 1.8 billion daily-updated intent signals to identify individuals actively researching financial planning, retirement, investment management, and wealth transfer topics. ## FINNY's Action Layer: Execution at Scale, Personalized for Every Advisor Multi-Channel Outbound Campaigns: FINNY's AI agent launches and manages outbound sequences across email, LinkedIn, voicemail, and direct mail — on behalf of one advisor or an entire firm. Smart Lead Routing: For multi-advisor firms and enterprise networks, FINNY intelligently routes every opportunity to the best-fit advisor based on specialization, geographic proximity, and client profile match. Personalized Content Generation: FINNY generates unique, personalized content for every individual advisor at scale — from outreach messages to social media posts. Newsletters and Client Communications: FINNY manages ongoing client communications and nurture campaigns through personalized newsletters, drip sequences, and touchpoints triggered by client life events. Content Marketing Engine: FINNY generates blog posts, landing pages, website content, and social media posts — creating a steady stream of thought leadership that supports inbound growth. Advisor-Wide Analytics: FINNY tracks performance metrics and growth analytics across an entire advisor base, giving centralized marketing teams visibility into what's working. ## Who Uses FINNY Osaic: 11,000+ financial professionals across 270+ institutions managing $700B+ in AUA. Integrated Partners: Hundreds of advisors and CPAs across 116 regional offices. 500+ advisory firms across RIA, broker-dealer, and bank channels. ## Industry Recognition Best of Show — 2024 Morningstar Annual Fintech Showcase. Best WealthTech Company 2025 — Datos Insights. Best Marketing Automation Platform — The Wealthies. #1 AI Prospecting Tool — Oasis Group independent study. WealthManagement.com Industry Award — AI-enabled Organic Growth Engine (2025). 50x revenue growth since January 2025. ## FINNY vs. Other Advisor Growth Tools Unlike horizontal sales tools (LinkedIn Sales Navigator, ZoomInfo, PitchBook) that only help advisors build lists, FINNY is the only platform that combines financial-services-specific intelligence, predictive matching, automated multi-channel outreach, content marketing, client communications, lead routing, and existing client growth monitoring in a single platform built exclusively for financial advisors. Key differentiators: purpose-built for wealth management, two-layer architecture (Data + Action), 300M+ records with 6B daily-updated data points, predictive F-Score matching, 1.8B daily intent signals, smart lead routing, content marketing engine, SOC 2 Type II compliant, compliance-ready workflows, near-zero client acquisition cost. ## Common Questions FINNY Answers --- ## Pages - [Focus Partners](https://finny.com/focus-partners/): We’re excited to announce an exclusive partnership between Focus Partners and FINNY. This collaboration brings cutting-edge prospecting technology with tailored... - [Osaic](https://finny.com/osaic/): We’re excited to announce an exclusive partnership between Osaic and FINNY. This collaboration brings cutting-edge prospecting technology with tailored support... - [SEC Registration Requirement](https://finny.com/sec-registration-requirement/): SEC Registration Requirement - [Privacy Policy](https://finny.com/privacy-policy/): Effective date: January 15, 2025 Privacy Policy Your privacy matters FINNY’s mission is to empower financial advisory firms to grow... - [Terms of Service](https://finny.com/terms/): TERMS OF SERVICE These Terms of Service (the “Agreement”) govern use of the Services provided by FINNY AI, Inc. (“Finny”)... - [Product](https://finny.com/product/): FINNY’s Growth Engine, Up Close See how FINNY turns data into prospects—and prospects into clients. Popular features There are as... - [Blog](https://finny.com/blog/) - [About Us](https://finny.com/about-us/): Organic growth isn’t a myth. It’s the result of a system that prioritizes targeted outreach, personalization, and efficiency. FINNY makes... --- ## Posts - [How Tim Farley added 3 new clients ($15M in AUM) from a single campaign](https://finny.com/blog/how-tim-farley-added-3-new-clients-15m-in-aum-from-a-single-campaign/): “In order to separate yourself, you either have to be first — or you have to be different. ” For... - [FINNY Forms Relationship With Osaic to Bring AI-Powered Growth to National Advisor Network](https://finny.com/blog/finny-forms-relationship-with-osaic-to-bring-ai-powered-growth-to-national-advisor-network/): Osaic makes available FINNY’s growth technology to its network of over 10,000 financial professionals to streamline prospect outreach, enhance productivity... - [How Kevin Newbert Closed 2 New Clients (and $1.8M in Assets) Using FINNY](https://finny.com/blog/how-kevin-newbert-closed-2-new-clients-and-1-8m-in-assets-using-finny/): Kevin joined Ausperity Private Wealth, a Sanctuary Wealth Partner Firm, seven months ago, stepping into a growth-focused role with a... - [How Thomas Manetta Landed a $5M Household (and Built a Compounding Organic Growth Engine) With FINNY](https://finny.com/blog/how-thomas-manetta-landed-a-5m-household-and-built-a-compounding-organic-growth-engine-with-finny/): If you’re an independent advisor building a practice the right way—conflict-free, relationship-driven, and not reliant on referral programs—you’ve probably felt... - [FINNY raises a $17M Series A to help great advisors help more people](https://finny.com/blog/finny-raises-a-17m-series-a-to-help-great-advisors-help-more-people/): To Our FINNY Community, Less than two years ago, we quit our jobs to solve a problem that had been... - [FINNY Forms Relationship With Integrated Partners, Adds Leading Wealth Management Marketing Executives to Advisory Board](https://finny.com/blog/finny-forms-relationship-with-integrated-partners-adds-leading-wealth-management-marketing-executives-to-advisory-board/): New partnership with Integrated, as well as advisory board additions from Mission Wealth and Lido Advisors, reinforce FINNY’s position as... - [FINNY Launches Multi-Channel Campaigns and LinkedIn Actions for Automated Outreach](https://finny.com/blog/finny-launches-multi-channel-campaigns-and-linkedin-actions-for-automated-outreach-2/): New features make FINNY the only platform purpose-built for multi-channel prospecting in wealth management, giving advisors tools to personalize and... - [How Rosefinch Leverages FINNY to Serve a Complex, Cross-Border Niche](https://finny.com/blog/how-rosefinch-leverages-finny-to-serve-a-complex-cross-border-niche/): Rosefinch is a boutique financial advisory firm specializing in cross-border planning—particularly for UK expatriates living in the United States. The firm... - [Case Study: How Clarity Advisors Grows Without Lifting a Finger with FINNY](https://finny.com/blog/case-study-how-clarity-advisors-grows-without-lifting-a-finger-with-finny/): Clarity Advisors is a boutique RIA based in Buffalo, New York, led by Michael Brady. After over a decade in the... - [FINNY Unveils Intent Search to Help Advisors Pinpoint High-Intent Prospects Faster](https://finny.com/blog/finny-unveils-intent-search-to-help-advisors-pinpoint-high-intent-prospects-faster/): NEW YORK–(BUSINESS WIRE)–FINNY AI Inc. (“FINNY”), the AI-powered prospecting and marketing platform built specifically for financial advisors, today announced the... - [Ritholtz Wealth Management CEO Josh Brown Invests in FINNY and joins Advisory Board](https://finny.com/blog/ritholtz-wealth-management-ceo-josh-brown-invests-in-finny-and-joins-advisory-board/): Renowned podcaster, author, CNBC contributor and wealth management leader backs FINNY as it scales artificial intelligence (AI)-powered prospecting, advances mission... - [Phantom Equity Plans Explained: How They Work and Why They're Valuable](https://finny.com/blog/phantom-equity-plans-explained-how-they-work-and-why-theyre-valuable/): Thinking about ways to keep your top talent from jumping ship? Phantom equity plans might be just what you need... - [5 Smart Portfolio Diversification Strategies to Protect Your Wealth](https://finny.com/blog/5-smart-portfolio-diversification-strategies-to-protect-your-wealth/): Investing today means dealing with market ups and downs that can make your head spin. So a diversification plan increases... - [Debt vs Equity Financing: The Ultimate Showdown for Entrepreneurs](https://finny.com/blog/debt-vs-equity-financing-the-ultimate-showdown-for-entrepreneurs/): Finding cash for your venture can be a bit overwhelming — especially when you’re trying to decide between debt and... - [The Ultimate Checklist for Accredited Investor Requirements](https://finny.com/blog/the-ultimate-checklist-for-accredited-investor-requirements/): A lot’s changed since 1983 when 1. 8% of U. S. households qualified as accredited investors. Today, that number’s grown to 14. 8% —... - [Down Round Protection Explained: Avoiding the Pitfalls](https://finny.com/blog/down-round-protection-explained-avoiding-the-pitfalls/): You might’ve noticed a big shift in startup valuations lately: while just 8% of U. S. venture deals were down rounds in... - [Self-Employed and Wondering About Retirement? Here's What You Need to Know](https://finny.com/blog/self-employed-and-wondering-about-retirement-heres-what-you-need-to-know/): Being your own boss is great, but it comes with a little twist when it comes to retirement planning. And... - [Business Succession Planning: Common Mistakes and How to Avoid Them](https://finny.com/blog/business-succession-planning-common-mistakes-and-how-to-avoid-them/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Buy-Sell Agreements and Life Insurance: A Comprehensive Guide](https://finny.com/blog/buy-sell-agreements-and-life-insurance-a-comprehensive-guide/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [The Ultimate Guide to Early Exercise of Stock Options](https://finny.com/blog/the-ultimate-guide-to-early-exercise-of-stock-options/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Everything You Need to Know About Qualified Small Business Stock](https://finny.com/blog/everything-you-need-to-know-about-qualified-small-business-stock/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [59 and a half rule: What Should You Do When You Turn 59 ½?](https://finny.com/blog/59-and-a-half-rule-what-should-you-do-when-you-turn-59-%c2%bd/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Cross-Border Financial Planning: Tips from the Experts](https://finny.com/blog/cross-border-financial-planning-tips-from-the-experts/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [9 Essential Estate Planning Tips for Expats](https://finny.com/blog/9-essential-estate-planning-tips-for-expats/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [9 Myths about working with financial advisor](https://finny.com/blog/9-myths-about-working-with-financial-advisor/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [11 Essential Questions That Will Transform Your Financial Advisor Search](https://finny.com/blog/11-essential-questions-that-will-transform-your-financial-advisor-search/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Finding Your Perfect Match: A Guide to Financial Advisor Types](https://finny.com/blog/finding-your-perfect-match-a-guide-to-financial-advisor-types/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Growing Business, Growing Wealth: Why Entrepreneurs Need Financial Advisors](https://finny.com/blog/growing-business-growing-wealth-why-entrepreneurs-need-financial-advisors/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [The True Value of a Financial Advisor: What the Data Actually Shows](https://finny.com/blog/the-true-value-of-a-financial-advisor-what-the-data-actually-shows/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [10 Financial Planning Tips for Small Business Owners](https://finny.com/blog/10-financial-planning-tips-for-small-business-owners/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Maximizing Wealth: 11 Tax Planning Strategies for High-Income Earners](https://finny.com/blog/maximizing-wealth-11-tax-planning-strategies-for-high-income-earners/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [When Do You Need a Financial Advisor? 7 Clear Signs to Watch For](https://finny.com/blog/when-do-you-need-a-financial-advisor-7-clear-signs-to-watch-for/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Navigating Unemployment: 10 Steps to Take After a Job Loss](https://finny.com/blog/navigating-unemployment-10-steps-to-take-after-a-job-loss/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Secure Your Future: Retirement Planning Tips for Medical Professionals](https://finny.com/blog/secure-your-future-retirement-planning-tips-for-medical-professionals/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Financial Planning for Single Parents: Securing Your Family's Future](https://finny.com/blog/financial-planning-for-single-parents-securing-your-familys-future/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [11 Tips on How to Create a Financial Plan for Freelancers and Gig Workers](https://finny.com/blog/11-tips-on-how-to-create-a-financial-plan-for-freelancers-and-gig-workers/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Starting Strong: Financial Tips for Graduates Entering the Workforce](https://finny.com/blog/starting-strong-financial-tips-for-graduates-entering-the-workforce/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [How to Save for Your Child’s Education: 9+ Tips to Help You Get it Right](https://finny.com/blog/how-to-save-for-your-childs-education-9-tips-to-help-you-get-it-right/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [Financial Planning Strategies for Women Entrepreneurs to Build a Thriving Business](https://finny.com/blog/financial-planning-strategies-for-women-entrepreneurs-to-build-a-thriving-business/): Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed... - [How to Drive Organic Growth: Insights from FINNY](https://finny.com/blog/how-to-drive-organic-growth-insights-from-finny/): Organic growth isn’t easy. Whether prospecting, chasing referrals or standing out, success takes strategy. That’s why Eden Ovadia, CEO of... - [FINNY Raises $4.3M in Seed Funding To Build the AI Agent helping Financial Advisors grow](https://finny.com/blog/finny-raises-4-3m-in-seed-funding-to-build-the-ai-agent-helping-financial-advisors-grow/): Female-Founded Startup Poised to Disrupt $100T Wealth Management Industry In 2023, I was headhunted by one of the largest financial... - [Ten to Watch in 2025: Eden Ovadia](https://finny.com/blog/ten-to-watch-in-2025-eden-ovadia/): Serial tech startup founder Uri Levine famously advised entrepreneurs to “fall in love with the problem, not the solution. ”... - [A Guide to Diversifying Your Crypto Portfolio with Alternative Investments](https://finny.com/blog/a-guide-to-diversifying-your-crypto-portfolio-with-alternative-investments/): Learn how to diversify your crypto portfolio with stablecoins, DeFi, NFTs, and more. Manage risk by using FINNY to connect... - [Financial and Tax Management for Medical Practices - 9 Money Tips to Thrive](https://finny.com/blog/financial-and-tax-management-for-medical-practices-9-money-tips-to-thrive/): Learn how to develop a robust financial and tax management strategy to save money and time if you’re in the... - [Financial Changes When Moving - What to Expect and How to Adapt](https://finny.com/blog/financial-changes-when-moving-what-to-expect-and-how-to-adapt/): Relocating? Learn 11 key financial changes to expect—housing, taxes, healthcare, and more—plus tips to adapt to the new environment. Disclaimer:... - [How to Manage 401(K) for Retiring Tech Professionals](https://finny.com/blog/how-to-manage-401k-for-retiring-tech-professionals/): 401(K) management for retiring tech pros is more than financial planning. Learn how to develop a solid 401(K) management plan... - [A Beginner’s Guide to Financial Management for Small Business Owners](https://finny.com/blog/a-beginners-guide-to-financial-management-for-small-business-owners/): Learn practical tips for managing your small business finances, from budgeting to cash flow, taxes, and more in this guide.... - [How to Maximize Your Restricted Stock Units - A Smart Investor’s Guide](https://finny.com/blog/how-to-maximize-your-restricted-stock-units-a-smart-investors-guide/): Just received Restricted Stock Units? Learn what they are, how they’re taxed, and whether to hold or sell to make... - [Finny and the Great AdvisorTech Acceleration](https://finny.com/blog/finny-and-the-great-advisortech-acceleration/): Victoria Toli, one of the three co-founders of Finny, describes her startup as “Hinge for financial advisors,” drawing a parallel... - [The future of AI sales tech](https://finny.com/blog/the-future-of-ai-sales-tech/): Why Vertical-specific Solutions Matter The recent article “Death of a Salesforce” by Andreessen Horowitz paints an exciting picture of how... - [Kitces Takes on Industry Trends](https://finny.com/blog/kitces-takes-on-industry-trends/): I learned a lot hearing Kitces talk at the Morningstar annual conference. So thought I’d relay some of his insights... - [The Future of Financial Advice is Already Here](https://finny.com/blog/the-future-of-financial-advice-is-already-here/): AI + Finance Last night I moderated a panel for the Museum of American Finance at Betterment’s headquarters in the... - [Who's Who in AI-AdvisorTech](https://finny.com/blog/whos-who-in-ai-advisortech/): First up, those nominated who have creator mode turned on (also who I think are Ai-first AdvisorTech companies): Who don’t... --- # # Detailed Content ## Pages - Published: 2025-12-17 - Modified: 2025-12-17 - URL: https://finny.com/focus-partners/ + A Strategic Partnership for Growth We're excited to announce an exclusive partnership between Focus Partners and FINNY. This collaboration brings cutting-edge prospecting technology with tailored support and special benefits exclusively available to Focus Partners advisors. FINNY enables financial advisors to grow at a 4x rate relative to industry benchmarks. We do that by delivering a suite of products that help advisors target the right prospects, at the right time, with the right message — amplify their impact, in a scalable and time-efficient way. As a Focus Partners advisor, you'll receive exclusive perks, dedicated onboarding, and ongoing support to maximize your success. Schedule Your Demo Focus Partners Advisor Benefits White Glove Implementation Our dedicated onboarding specialists guides you through every step of setup and customization. Support & Office Hours 24/7 access to our Support channel, and regular Office Hours with our Success team. Quarterly Strategy Sessions Personalized coaching calls to refine your approach and maximize platform results. Real Innovation, Real Impact "FINNY is solving the biggest challenge advisors face today: finding and connecting with the right clients. Advisors are great at building relationships, but they don’t have the time—or the right tools—to consistently find new prospects. " Josh Brown, CEO at Ritholz Wealth Management "The FINNY team is working on an innovative solution for advisors, and I’m excited to see what the future holds for this impressive team. " Kunal Kapoor, CEO Morningstar "FINNY AI’s approach to prospecting illustrates how technology can support authentic human connections. Rather than encouraging mass outreach, their platform prioritizes quality over quantity. " Craig Iskowitz, CEO Ezra Group "Time is not something I have a lot of. I’ve got family, full-time commitments... the fact that I’m able to just have FINNY running without me doing anything outside of setting up that initial campaign is the most attractive part for me. " Michael Brady, CEO Clarity Advisors Pricing: Simple, Transparent, Unlimited $500 per user/month unlocks: Unlimited Leads Access prospects through Search and Recommended Feed, with no restrictions. Unlimited Website Visitor Tracking Identify and engage every visitor — turn anonymous traffic into actionable opportunities. Unlimited Prospect Uploads Easily import and manage all your contact lists, no matter the size. Hands-on Onboarding & Service Receive a dedicated service professional to help you make the most of FINNY Contracts are annual, with a 14-day paid opt-out period How FINNY Powers Your Practice We identify prospects within your target niche. We aggregate thousands of data points and continuously monitor millions of prospects to uncover timely financial opportunities. We intelligently prioritize prospects. FINNY evaluates each prospect’s similarity to your current clients and their likelihood of needing your services, assigning an F-Score that predicts their conversion potential. We help you help you reach out to prospects. FINNY chooses the best outreach channel for each prospect, manages follow-ups, and alerts you the moment a meeting is booked — all while keeping you in the driver's seat Ready to Transform Your Growth? Join fellow Osaic advisors who are already leveraging FINNY to grow their... --- - Published: 2025-12-08 - Modified: 2026-01-29 - URL: https://finny.com/osaic/ + A Strategic Partnership for Growth We're excited to announce an exclusive partnership between Osaic and FINNY. This collaboration brings cutting-edge prospecting technology with tailored support and special benefits exclusively available to Osaic advisors. FINNY enables financial advisors to grow at a 4x rate relative to industry benchmarks. We do that by delivering a suite of products that help advisors target the right prospects, at the right time, with the right message — amplify their impact, in a scalable and time-efficient way. As an Osaic advisor, you'll receive exclusive perks, dedicated onboarding, and ongoing support to maximize your success. Schedule Your Demo Osaic Advisor Benefits White Glove Implementation Our dedicated onboarding specialists guides you through every step of setup and customization. Collaborative creation and refinement of advisor profiles (ICP, messaging guidance, positioning). Activation & Support Receive ongoing support from a dedicated FINNY specialist. Personalized coaching calls to refine your approach and maximize platform results. Dedicated Osaic inbox. Optimization & Scale Ongoing coaching to improve advisor outreach quality and consistency. Feature request priority & influence over strategic roadmap. Firm-wide consistency & compliance alignment. Real Innovation, Real Impact "FINNY is solving the biggest challenge advisors face today: finding and connecting with the right clients. Advisors are great at building relationships, but they don’t have the time—or the right tools—to consistently find new prospects. " Josh Brown, CEO at Ritholz Wealth Management "The FINNY team is working on an innovative solution for advisors, and I’m excited to see what the future holds for this impressive team. " Kunal Kapoor, CEO Morningstar "FINNY AI’s approach to prospecting illustrates how technology can support authentic human connections. Rather than encouraging mass outreach, their platform prioritizes quality over quantity. " Craig Iskowitz, CEO Ezra Group "Time is not something I have a lot of. I’ve got family, full-time commitments... the fact that I’m able to just have FINNY running without me doing anything outside of setting up that initial campaign is the most attractive part for me. " Michael Brady, CEO Clarity Advisors Pricing: Simple, Transparent, Unlimited $500 per user/month unlocks: Unlimited Leads Access prospects through Search and Recommended Feed, with no restrictions. Unlimited Website Visitor Tracking Identify and engage every visitor — turn anonymous traffic into actionable opportunities. Unlimited Prospect Uploads Easily import and manage all your contact lists, no matter the size. Hands-on Onboarding & Service Receive a dedicated service professional to help you make the most of FINNY Contracts are annual, with a 14-day paid opt-out period How FINNY Powers Your Practice We identify prospects within your target niche. We aggregate thousands of data points and continuously monitor millions of prospects to uncover timely financial opportunities. We intelligently prioritize prospects. FINNY evaluates each prospect’s similarity to your current clients and their likelihood of needing your services, assigning an F-Score that predicts their conversion potential. We help you help you reach out to prospects. FINNY chooses the best outreach channel for each prospect, manages follow-ups, and alerts you the moment a meeting is booked —... --- - Published: 2025-09-16 - Modified: 2025-09-16 - URL: https://finny.com/sec-registration-requirement/ SEC Registration Requirement SEC Registration RequirementDownload --- - Published: 2025-09-04 - Modified: 2025-12-04 - URL: https://finny.com/privacy-policy/ Effective date: January 15, 2025 Privacy Policy Your privacy matters FINNY’s mission is to empower financial advisory firms to grow organically. In doing so, we are committed to protecting the privacy and security of our users' data. This Privacy Policy outlines how we handle, store, and use data collected from our customers, financial advisory firms, and their clients. Thank you for visiting https://www. finny. com (the “Sites”) owned and operated by Finny AI, Inc. At Finny AI, we take your privacy seriously. Please read this Privacy Policy to learn how we treat your personal data. By using or accessing our Sites in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent that we will collect, use and disclose your information as described in this Privacy Policy. Remember that your use of Finny AI’s Services is at all times subject to our Terms of Use, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Use. As we continually work to improve our Services, we may need to change this Privacy Policy from time to time. We will alert you of material changes by placing a notice on the FINNY AI website, by sending you an email and/or by some other means. Please note that if you’ve opted not to receive legal notice emails from us (or you haven’t provided us with your email address), those legal notices will still govern your use of the Services, and you are still responsible for reading and understanding them. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Privacy Policy Table of Contents What this Privacy Policy Covers Personal Data Categories of Personal Data We Collect Our Commercial or Business Purposes forCollecting Personal Data Other Permitted Purposes for Processing Personal Data Categories of Sources of Personal Data How We Disclose Your Personal Data Tracking Tools, Advertising and Opt-Out Data Security Personal Data of Children State Law Privacy Rights Contact Information What this Privacy Policy Covers This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as“personally identifiable information” or “personal information” or “sensitive personal information” under applicable data privacy laws, rules or regulations. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage. Personal Data Categories of Personal Data We Collect This chart details the categories of Personal Data that we collect and have collected over the past 12 months: Privacy Policy Table of Contents Our Commercial or Business Purposes for Collecting Personal Data Providing Customization and Improvement of Services Creating and managing your account or other user profiles. Processing orders or other transactions; billing. Providing you with... --- - Published: 2025-09-04 - Modified: 2026-01-28 - URL: https://finny.com/terms/ TERMS OF SERVICE These Terms of Service (the “Agreement”) govern use of the Services provided by FINNY AI, Inc. (“Finny”) through the Platform. By accessing the Services, the user agrees that the organization listed during registration (“Client”) is bound by this Agreement. The individual accessing the Services on behalf of Client represents that they are entitled to bind the Client to this Agreement. If the Client has a separate Master Services Agreement or other written agreement with Finny, these Terms of Service do not apply and that agreement will govern the provision of Services.   Finny may change any part of this Agreement (including any terms or documents incorporated by reference in this Agreement) at any time in accordance with Section 9. 1. It is important for Client to review this Agreement before using the Services and from time to time. The updated Agreement will be effective as of the time of posting, and Client's continued use of the Services after any such changes are effective will constitute Client's consent to such changes. 1 SERVICES 1. 1 Services. This Agreement between the Parties pertains to an AI-powered prospecting tool designed for financial advisors made available by Finny, through which the Client can automate lead identification, prioritization, and multi-channel outreach for internal prospecting and marketing purposes (the “Platform”) and includes data on personal information and other business information made available by Finny through the Platform, along with any other information, content, and materials generated by or accessible through the Platform (the “Finny Data”). Finny makes the Platform and Finny Data available as a service as set out in this Agreement (the “Services”). 1. 2 Subscriber Advisors. Client acknowledges that individual financial advisors within Client's organization may enter into their own subscriptions for the Platform and Services under the terms of this Agreement (each, a “Subscriber Advisor”). Each Subscriber Advisor receives their own dedicated Platform instance (each a “Platform Instance”), is responsible for their own subscription fees and usage, and may purchase additional seats within their individual instance to accommodate their team members. 1. 3 End Users. Each Subscriber Advisor is responsible for managing the access to and use of their Platform Instance by the individuals to whom they grant access (“End Users”).   1. 4 AI Output. Finny makes no representations as to the accuracy of the Services or any output derived therefrom (including lead data or outreach messaging). Client acknowledges that AI-based features may produce unpredictable outputs that are inaccurate, incomplete, or non-compliant with applicable laws and regulations, and that such features are not intended to replace human judgment or compliance oversight. Client is solely responsible for ensuring all AI-generated content complies with applicable laws before use. 1. 5 No Financial or Legal Advice. The Services are provided for informational purposes only and do not replace Client's own professional judgment. The Services do not constitute legal, financial or compliance-related advice. Client acknowledges that any decisions made based on the Services are made at Client's own risk and discretion. 2 PERMITTED... --- - Published: 2025-09-04 - Modified: 2025-11-18 - URL: https://finny.com/product/ FINNY's Growth Engine, Up Close See how FINNY turns data into prospects—and prospects into clients. Popular features There are as many ways to use FINNY as there are advisors who use it. Here are the most popular features. Book Demo Build Your Audience Use powerful search tools with dozens of filters—from location and industry to net worth, career changes, and more—to find your ideal prospects. Or, skip the search altogether and let FINNY’s ever-refreshing feed surface recommended prospects automatically, so you’re always seeing the most relevant opportunities. Our newest filter, Intent Signals, helps you spot prospects who are actively showing signs they may need financial advice. Prospect Enrichment Automatically fill in missing data and transform basic contacts into complete profiles with verified emails, LinkedIn links, job history, firmographics, and more. No more switching between tabs or paying for multiple tools—everything you need is built right in. Smart Campaigns Create personalized, multi-channel outreach in minutes. FINNY picks the best channel for each prospect—email, LinkedIn, or voicemail—handles follow-ups automatically, and alerts you when someone engages. It’s the perfect balance of automation and control: set it, forget it, or jump in when you want a personal touch. My Prospects Your CRM-lite hub for every lead in your pipeline. View all contact details, engagement history, and campaign activity in one place. No messy spreadsheets, no disconnected tools—just a single source of truth designed for financial advisors. FINNY for Individual Advisors Top advisors use FINNY to supercharge organic growth. Discover: Explore millions of prospects with filters for thousands of datapoints to find the perfect fit for your niche. Prioritize: Prospects are scored by likelihood to convert, similarity to your clients, and key life events—so you always see the most promising leads first. Reach out: Automate outreach or stay hands-on. FINNY handles scheduling, follow-ups, and campaign insights, freeing you to focus on real conversations. FINNY for Teams For teams, FINNY combines advanced prospecting with workflow tools to unify your team under one system.   Admin Tools: Lead your team from one portal—set KPIs, monitor activity, and manage accounts in one place. Brand and Compliance: Enforce brand voice and compliance rules automatically across every campaign. CRM Integration: Connect your CRM so inbound leads and outbound prospects stay in one system. Team Collaboration: Assign prospects, avoid duplicates, and track performance with shared dashboards and leaderboards. FINNY EXPERTS Gain access to our FINNY Experts Need extra guidance? Add a FINNY Expert to your plan. They’ll help with strategy, positioning, and hands-on campaigns—so you can launch faster, grow smarter, and book more meetings. Learn how FINNY can transform your prospecting workflow. Book Demo If you want to see FINNY in action, check out our demo here Watch demo --- - Published: 2025-09-04 - Modified: 2026-02-17 - URL: https://finny.com/blog/ Blog – FINNY HomeProductAbout UsBlogCareers Book demo Sign In February 17, 2026 How Tim Farley added 3 new clients ($15M in AUM) from a single campaign January 29, 2026 FINNY Forms Relationship With Osaic to Bring AI-Powered Growth to National Advisor Network January 22, 2026 How Kevin Newbert Closed 2 New Clients (and $1.8M in Assets) Using FINNY January 9, 2026 How Thomas Manetta Landed a $5M Household (and Built a Compounding Organic Growth Engine) With FINNY December 18, 2025 FINNY raises a $17M Series A to help great advisors help more people October 29, 2025 FINNY Forms Relationship With Integrated Partners, Adds Leading Wealth Management Marketing Executives to Advisory Board August 6, 2025 FINNY Launches Multi-Channel Campaigns and LinkedIn Actions for Automated Outreach June 18, 2025 Case Study: How Clarity Advisors Grows Without Lifting a Finger with FINNY June 18, 2025 How Rosefinch Leverages FINNY to Serve a Complex, Cross-Border Niche June 9, 2025 FINNY Unveils Intent Search to Help Advisors Pinpoint High-Intent Prospects Faster March 13, 2025 Ritholtz Wealth Management CEO Josh Brown Invests in FINNY and joins Advisory Board March 10, 2025 Phantom Equity Plans Explained: How They Work and Why They’re Valuable March 6, 2025 5 Smart Portfolio Diversification Strategies to Protect Your Wealth March 3, 2025 Debt vs Equity Financing: The Ultimate Showdown for Entrepreneurs February 26, 2025 The Ultimate Checklist for Accredited Investor Requirements February 24, 2025 Down Round Protection Explained: Avoiding the Pitfalls February 22, 2025 Self-Employed and Wondering About Retirement? Here’s What You Need to Know February 21, 2025 Business Succession Planning: Common Mistakes and How to Avoid Them February 12, 2025 Buy-Sell Agreements and Life Insurance: A Comprehensive Guide February 11, 2025 The Ultimate Guide to Early Exercise of Stock Options February 10, 2025 Everything You Need to Know About Qualified Small Business Stock February 9, 2025 59 and a half rule: What Should You Do When You Turn 59 ½? February 8, 2025 Cross-Border Financial Planning: Tips from the Experts February 7, 2025 9 Essential Estate Planning Tips for Expats February 6, 2025 9 Myths about working with financial advisor February 5, 2025 11 Essential Questions That Will Transform Your Financial Advisor Search February 4, 2025 Finding Your Perfect Match: A Guide to Financial Advisor Types February 3, 2025 Growing Business, Growing Wealth: Why Entrepreneurs Need Financial Advisors January 30, 2025 The True Value of a Financial Advisor: What the Data Actually Shows January 28, 2025 10 Financial Planning Tips for Small Business Owners January 27, 2025 Maximizing Wealth: 11 Tax Planning Strategies for High-Income Earners January 23, 2025 When Do You Need a Financial Advisor? 7 Clear Signs to Watch For January 13, 2025 Financial Planning for Single Parents: Securing Your Family’s Future January 13, 2025 Secure Your Future: Retirement Planning Tips for Medical Professionals January 13, 2025 Navigating Unemployment: 10 Steps to Take After a Job Loss January 6, 2025 Financial Planning Strategies for Women Entrepreneurs to Build a Thriving Business January 6, 2025 How to Save for... --- - Published: 2025-09-02 - Modified: 2025-11-11 - URL: https://finny.com/about-us/ Organic growth isn’t a myth. It’s the result of a system that prioritizes targeted outreach, personalization, and efficiency. FINNY makes prospecting effortless, precise, and personal—so growth happens naturally. FINNY identifies prospects within your target niche. We do that by aggregating thousands of data points and constantly monitoring for financial opportunities for millions of prospects within our databse. Prospecting needs to be hyper-targeted FINNY isn't just another cold outreach engine. Our data model finds the best prospects, for the advisors best equipped to close. We need a solution that won't get forgotten when things get busy FINNY prospects on autopilot so you can focus on what you do best. Personalization matters Choosing an advisor is deeply personal. FINNY helps you break the ice and build trust with your prospects. Our Founders CEO & CO-FOUNDER Eden Ovadia Eden is originally from Montreal, where she received a Software Engineering degree from McGill University, specializing in Machine Learning. While at McGill, she worked at EY and KPMG as a Cyber Security Advisory Associate. Upon graduation, Eden joined BCG NYC, where she primarily worked in the Tech, Financial Institutions & Private Equity practices for over 2 years. PRESIDENT & CO-FOUNDER Victoria Toli Victoria grew up in Greece, and came to the United States to attend Stanford, where she studied Symbolic Systems with a focus in Artificial intelligence. Prior to starting FINNY, Victoria was a Product Manager at Uber, leading membership growth for Uber One. Victoria is also a Kleiner Perkins Fellow and a published author, on Greece's contribution to Math. CTO & CO-FOUNDER Theodore Janson Theo holds a Master's degree in Artificial Intelligence from Ecole Polytechnique, Paris, and a bachelor's degree in Electrical Engineering and Math from McGill University. During his studies, Theo held research roles in high-energy physics and explainable Machine Learning. Prior to starting FINNY, he worked as a machine learning engineer at an early Fintech startup. Are you ready toaccelerate your growth? Book a demo --- --- ## Posts - Published: 2026-02-17 - Modified: 2026-02-18 - URL: https://finny.com/blog/how-tim-farley-added-3-new-clients-15m-in-aum-from-a-single-campaign/ - Categories: Uncategorized “In order to separate yourself, you either have to be first — or you have to be different. ” For years, growth at Tempo Wealth looked like most successful RIAs: Referrals, reputation, relationships. Nearly 99% of new clients came through word of mouth inside a tight network of public company executives. And for a long time, that worked. But as the firm began thinking about scaling further, the team asked a bigger question: How do we grow without losing the specificity that made us successful in the first place? What followed became one of the most successful FINNY campaigns to date: 6 inbound meeting requests 3 new clients signed 3 additional prospects in late-stage conversations $12–15M+ in AUM added Including a senior officer at a public company The Foundation: “Be First or Be Different” Tempo Wealth didn’t stumble into a niche — they built it deliberately. As Tim Farley explains: “In order to separate yourself, you either have to be first — or you have to be different. We were never going to be first, so the question became: how are we different? ” Their answer wasn’t broader marketing. It was deeper specialization. The firm focuses on executives at public companies — individuals who are highly sophisticated professionally but often fragmented in their personal financial planning. Instead of selling products, they built a family-office-style planning model that coordinates investments, tax strategy, estate planning, and equity compensation into one integrated process. That clarity shaped everything about their FINNY strategy. The Shift: From Referral-Only to Intentional Expansion Before FINNY, the firm had never run structured outbound campaigns. Growth came from: Internal company referrals Promotions and leadership changes within organizations Reputation-driven introductions So when they evaluated FINNY, the goal wasn’t to “start marketing. ” It was to expand within ecosystems where they already had credibility. Rather than chasing a general audience, they focused on: Companies where they already worked with executives Known pain points tied to equity compensation and leadership transitions Messaging aligned with the exact concerns those executives face This wasn’t cold outreach. It was contextual expansion. The Strategy That Made the Campaign Different Most advisors open a sequence by asking for a meeting. Tempo Wealth did the opposite. Their outreach focused first on education — helping prospects recognize problems before ever suggesting a call. As Tim put it during the conversation: “People want to buy. They don’t want to be sold. ” So instead of pushing a discovery call early, the campaign: Led with content addressing top executive concerns Focused on clarity and insight, not conversion Positioned the firm as a resource, not a pitch Only later in the sequence did they introduce the idea of an introductory conversation — and even then, framed it as optional and informational. That shift changed the tone entirely. Prospects didn’t feel targeted, but rather understood. The Playbook: Tactics That Actually Drove Results 1. Start Where You Already Have Credibility Rather than building new audiences from scratch, the advisor focused on companies where Tempo Wealth... --- - Published: 2026-01-29 - Modified: 2026-01-29 - URL: https://finny.com/blog/finny-forms-relationship-with-osaic-to-bring-ai-powered-growth-to-national-advisor-network/ - Categories: Uncategorized Osaic makes available FINNY’s growth technology to its network of over 10,000 financial professionals to streamline prospect outreach, enhance productivity and scale organic growth NEW YORK – January 29, 2026 – FINNY Inc. (“FINNY”), the AI-powered growth and marketing platform built specifically for financial advisors, today announced a new relationship with Osaic, Inc. (“Osaic”), one of the nation’s largest providers of wealth management strategies. Osaic has made FINNY’s prospecting technology available to its more than 270 financial institutions and 11,000 financial professionals. With over $700 billion in assets under administration (AUA) and one of the largest advisor networks in the United States, Osaic’s financial professionals will now be able to leverage FINNY’s technology to accelerate organic growth by tracking life events, powering personalized, automated outreach and reducing the manual work associated with prospecting — increasing client acquisition while reducing time and effort. “Osaic’s priority has always been to equip our financial professionals with the technology and resources that let them spend more time with clients and less time chasing prospects, and FINNY helps them do exactly that,” said Dimple Shah, Osaic EVP of Strategy and Client Experience. “FINNY’s data-driven tools simplify prospecting, enhance productivity and ultimately accelerate advisor growth – allowing our professionals to reach more people who are seeking trusted financial guidance. ” Through this relationship, Osaic’s advisors gain access to FINNY’s advanced data intelligence and automation to help them prioritize and engage high-intent prospects. Alongside FINNY’s predictive F-Score matching engine, advisors can utilize FINNY’s Intent Search, which leverages 1. 8 billion daily-updated intent signals to identify prospects based on real-time online activity, and Multi-Channel Campaigns, which enables fully automated outreach across LinkedIn, email, voicemail and direct mail. Together, these tools give advisors a cohesive prospecting engine that accelerates organic growth. “Osaic’s scale and reputation for equipping advisors with best-in-class resources make this relationship a natural fit for FINNY,” said Eden Ovadia, co-founder and CEO of FINNY. “Advisors need technology that lets them grow without adding hours to their workload – prospecting should take minutes, not hours. Together with Osaic, we’re making faster, technology-enabled organic growth a reality for thousands of professionals across the industry. ” This announcement builds on FINNY’s recent momentum, including its $17 million Series A funding led by Venrock to accelerate product development and platform growth, as well as its collaboration with Integrated Partners to scale its technology across hundreds of advisors and CPAs spanning 116 regional offices. These developments further solidify FINNY’s position as a go-to prospecting solution for advisory firms looking to reignite organic growth. “FINNY is redefining modern prospecting – AI handles the research, content creation and multi-channel sequencing, while advisors stay fully in control of their message,” added Victoria Toli, co-founder and president of FINNY. “This relationship with Osaic allows us to bring these capabilities to one of the industry’s largest advisor networks, ensuring their professionals have a prospecting workflow that is intuitive, automated and built to support consistent growth. ” For more information about the relationship, visit finny. com/osaic. For... --- - Published: 2026-01-22 - Modified: 2026-01-22 - URL: https://finny.com/blog/how-kevin-newbert-closed-2-new-clients-and-1-8m-in-assets-using-finny/ - Categories: Uncategorized Kevin joined Ausperity Private Wealth, a Sanctuary Wealth Partner Firm, seven months ago, stepping into a growth-focused role with a clear goal: build a repeatable pipeline—without relying solely on referrals, manual LinkedIn messages, or generic purchased lists. After adopting FINNY, Kevin went 2-for-2: the first two prospects who replied “let’s meet” became clients—including a $1. 4M relationship and a second client with $370K to start plus $1. 2M in equity comp planning in motion. “The two people who actually said, ‘Okay, I want to meet,’ both became clients. I’m 2 for 2. ”  About Kevin & Ausperity Ausperity Private Wealth is an independent firm backed by Sanctuary Wealth Partners. The team broke off from Merrill Lynch ~4. 5 years ago and has since grown from $450M to ~$1B AUM. Kevin’s background is ultra-high-net-worth relationship management—working with business owners, private equity individuals, Fortune 500 executives, professional athletes, and celebrities. At Ausperity, he’s focused on building his own book in the $1–$10M client segment, while still serving select ultra-high-net-worth relationships. The challenge: prospecting was either manual... or misaligned Before FINNY, Kevin tried a mix of: Referrals and existing network SmartAsset leads Manual cold outreach via email and LinkedIn Even purchased lists—a legacy tactic used earlier in the firm’s history The problem wasn’t effort. It was process. Kevin described the reality most growth-minded advisors face: Cold outreach is hard to track (who you contacted, when, and what happened next) Purchased lists are fast—but low signal (you don’t know who you’re calling) Competing lead platforms can feel like a race (“I’m typically the third person to call”) As his client load grew, time became the constraint “A tool like FINNY helps bridge the gap... tracking emails, who I sent when, who responded... and it frees up time. ”  Why FINNY: a defined system + better timing Kevin first heard about FINNY at the Future Proof conference. What stood out wasn’t just the concept of outbound—it was the idea of outbound done strategically. He wanted: A way to target specific people who match his ideal profile A repeatable outreach system A channel that wasn’t purely competitive A way to act on timing-based opportunities (job moves, IPOs, layoffs, equity moments) “It’s all about timing in this industry... trying to find those timing parts. A Kitces article said only 5. 6% of advisors are proactively cold outreaching. ”  What worked: multi-channel sequences that build familiarity The most helpful early feature for Kevin was FINNY’s drip campaigns—and specifically the ability to run multi-channel outreach, where prospects see you more than once, in more than one place. Kevin described it like this: Prospects see you via email Then encounter you again on LinkedIn Then you show up again via email That repetition builds recognition—without relying on one perfect message. “People see your emails, then they see you again on LinkedIn... it’s how you start to stand out. ” He even used FINNY to follow up with a conference list—leading to a joint webinar with a private equity contact who... --- - Published: 2026-01-09 - Modified: 2026-01-09 - URL: https://finny.com/blog/how-thomas-manetta-landed-a-5m-household-and-built-a-compounding-organic-growth-engine-with-finny/ - Categories: Uncategorized If you’re an independent advisor building a practice the right way—conflict-free, relationship-driven, and not reliant on referral programs—you’ve probably felt the same tension Thomas Manetta described on his podcast, Behind the Curtain Finance: You know organic growth is the most durable kind of growth... but it’s also the hardest to do consistently—especially when your scarcest resource is time. Thomas runs Manetta Wealth Management and spent the last year doing the long-game work: building content, finding his voice, and launching a podcast. What he didn’t have was a scalable way to consistently reach the right people with that content—without turning marketing into a second job. Then he ran a FINNY campaign that changed the trajectory of his pipeline. It led to a new ~$5M household relationship he says he never would’ve met otherwise—and it also helped him build something arguably more valuable: a compounding engine where the right prospects keep seeing him over time. “It’s already led to a $5 million household that I never would’ve met. ” — Thomas Manetta https://www. youtube. com/watch? v=JM4yoVizKyo The hard part about organic growth (even when you’re doing everything right) Thomas wasn’t starting from zero. He’d already been building leverage through content—specifically his podcast. But content alone doesn’t guarantee distribution, and distribution alone doesn’t guarantee the right audience. What he needed was a repeatable system to: Find a very specific niche of high-fit prospects Reach them with authentic messaging that sounded like him Connect in a way that compounds over time, not just one email at one moment Do all of it efficiently, without spending hours researching, list-building, and chasing follow-ups And as he put it, time is the commodity you don’t get back. “They’re saving you time, which is for me the most valuable commodity that I have. ” — Thomas The “game changer”: LinkedIn + content + personal outreach Thomas had used FINNY for a while, but the moment it really clicked for him was when FINNY added a LinkedIn layer to outbound. “The real game changer for me was when you added LinkedIn. ” — Thomas Why? Because email can spark awareness, but LinkedIn creates repeated exposure. Even if it’s not the right time today, the prospect keeps seeing you—your perspective, your content, your expertise. Thomas described it as a compounding loop: Send a campaign to the right niche Convert some of those prospects into LinkedIn connections Publish consistently Stay top of mind until a real-life trigger happens Then the prospect reaches out—because you’re already “in the room” “All of a sudden I have 500 people... they’re constantly seeing me. ” — Thomas What Thomas ran: the exact audience he targeted This wasn’t a spray-and-pray list. The campaign was tightly defined: Age: 45–65 Role: C-suite / executives in tech Location: Bay Area Wealth: $1M+ net worth Audience size: ~371 households “They were executives in tech... that was just the broad demographic for that particular campaign. ” — Thomas The big shift: from AI-generated emails to Thomas’ authentic voice Thomas’ first campaign... --- - Published: 2025-12-18 - Modified: 2025-12-18 - URL: https://finny.com/blog/finny-raises-a-17m-series-a-to-help-great-advisors-help-more-people/ - Categories: Uncategorized To Our FINNY Community, Less than two years ago, we quit our jobs to solve a problem that had been hiding in plain sight. Financial advisors are some of the most important professionals in America. They help families plan for retirement, navigate job transitions, save for their children's education, and make sense of complex financial decisions. But here's the paradox: most advisors spend the majority of their time finding clients rather than serving them. The average advisor spends nearly 60 hours on cold outreach before converting a single prospect. Meanwhile, millions of Americans who need financial guidance aren't getting it — not because great advisors don't exist, but because there's no efficient way to connect them.   The more we dug in, the more we realized the scale of the opportunity. The wealth management industry manages over $30 trillion in assets, yet advisors are still prospecting with tools built for other industries — LinkedIn, ZoomInfo. Nothing was designed for how advisors actually work or what their clients actually need. And the timing couldn't be more urgent. Over the next two decades, an estimated $80 trillion will transfer from Baby Boomers to younger generations — many of whom don't want their parents' advisor. We started FINNY to fix that. Today, we're announcing that FINNY has raised $17 million in Series A funding led by Venrock, with participation from Activant, Altruist's Jason Wenk, and continued support from Y Combinator, Maple VC, and Crossbeam Ventures. We're incredibly fortunate to welcome Nick Beim from Venrock to our Board. Nick has spent decades as one of the most respected FinTech and WealthTech investors in the industry - he's seen what works, what doesn't, and what the future of this space looks like. Alongside Nick, we're honored to have Bill McNabb, the former Chairman and CEO of Vanguard, joining our Board. Bill spent his career making investing more accessible to everyday Americans. Having leaders of this caliber helping guide FINNY is a responsibility we don't take lightly. What We've Built FINNY is a complete organic growth engine for financial advisors. It starts with intelligence. We aggregate thousands of data points per prospect — money-in-motion signals like home purchases, job changes, business exits, intent signals— and match them to the right advisor using our proprietary F-Score algorithm. Think of it as a compatibility score that continuously improves the more an advisor uses the platform. But surfacing data is only half the equation. FINNY takes action. The platform generates custom content tailored to each prospect, selects the optimal outreach channel, and sends the right message at the right time, all on the advisor's behalf. It handles follow-ups, schedules meetings, and continuously learns which strategies and language convert best. Advisors can stay fully in control, or let FINNY run the entire workflow end-to-end. The result: advisors who used to spend 60 hours converting a single client are now growing, even when they sleep. And what excites us most is what can happen beyond prospecting. Our advisors are constantly learning... --- - Published: 2025-10-29 - Modified: 2025-11-07 - URL: https://finny.com/blog/finny-forms-relationship-with-integrated-partners-adds-leading-wealth-management-marketing-executives-to-advisory-board/ - Categories: Uncategorized New partnership with Integrated, as well as advisory board additions from Mission Wealth and Lido Advisors, reinforce FINNY’s position as leader in AI-driven advisor growth solutions NEW YORK--(BUSINESS WIRE)--FINNY AI Inc. (“FINNY”), the AI-powered prospecting and marketing platform built specifically for financial advisors, today announced a strategic partnership withIntegrated Partners (“Integrated”), a national financial planning and registered investment advisory (RIA) firm serving more than $22 billion in assets under advisement (AUA). As part of its commitment to equip advisors with cutting-edge tools that enhance growth and client acquisition, Integrated has selected FINNY as a partner to bring AI-driven prospecting capabilities to its network of over 220 advisors, 250+ CPAs and 116 regional offices. FINNY’s advanced data intelligence and automation will enable Integrated’s advisors to identify and engage high-intent prospects, personalize outreach and scale growth more efficiently. The partnership reflects Integrated’s strategy to align with leading technology firms that strengthen its advisor ecosystem, while underscoring FINNY’s expanding role as the go-to prospecting platform for the RIA community. “At Integrated, we’re committed to offering our network of independent advisors with the resources to effectively build, grow and lead their practices,” said Andree Mohr, president of Integrated. “Our advisors are entrepreneurs first, and collaborating with innovative technology firms like FINNY allows us to provide them with tools and data necessary to scale their businesses. FINNY’s AI-driven platform combines intelligence, automation and personalization in a way that strengthens client relationships and creates new growth opportunities across our advisor community. ” FINNY has also added two leading marketing executives to its advisory board, both bringing decades of experience in wealth management marketing and advisor growth. John Wernz, partner and strategic advisor at Mission Wealth, is a seasoned growth and marketing executive with more than 20 years of experience, including 13 years as chief marketing and growth officer at Wealth Enhancement Group. Justin Barish,chief marketing and digital officer atLido Advisors, joins with over 15 years of experience, including leading digital marketing at Cerity Partners. Together, they will guide FINNY in refining product-market fit, aligning platform features with advisors’ growth needs and ensuring scalability for both individual advisors and multi-billion-dollar RIAs – all while shaping strategies for brand positioning and adoption. “Integrated exemplifies the kind of innovative, advisor-first firm that FINNY was built to serve, and our partnership reflects a shared vision for how data intelligence and automation can transform advisor growth,” said Eden Ovadia, co-founder and CEO of FINNY. “Together with the addition of two of the industry’s most forward looking CMOs to our advisory board, this represents a major milestone in FINNY’s efforts to redefine and accelerate the way RIAs connect with prospective clients. ” The Integrated partnership and advisory board additions build on FINNY’s recent momentum, following its $4. 3 million seed round and the appointment of Josh Brown – CEO of Ritholtz Wealth Management and a prominent financial commentator – to its advisory board. Since April, FINNY’s advisor base has grown tenfold, and those running multi-channel campaigns are closing on average one new... --- - Published: 2025-08-06 - Modified: 2025-09-15 - URL: https://finny.com/blog/finny-launches-multi-channel-campaigns-and-linkedin-actions-for-automated-outreach-2/ - Categories: Uncategorized New features make FINNY the only platform purpose-built for multi-channel prospecting in wealth management, giving advisors tools to personalize and scale their outreach with ease NEW YORK – August 6th, 2025 – FINNY AI Inc.  (“FINNY”), the AI-powered prospecting and marketing platform built specifically for financial advisors, today announced the launch of Multi-Channel Campaigns, a powerful new capability that allows advisors to build fully automated, multi-channel outreach sequences in minutes. This prospecting feature combines LinkedIn Actions, AI-generated voicemails, personalized emails and handwritten direct mail into a single, fully personalized outreach campaign designed for effective lead conversion. Within Multi-Channel Campaigns, FINNY is introducing LinkedIn Actions, a new capability that enables advisors to schedule LinkedIn tasks such as connection requests and direct messages directly within the FINNY platform. These actions are fully automated and can be customized to reflect the advisor’s tone and messaging. Advisors may also integrate LinkedIn Actions with other outreach formats – including AI-powered voicemails, emails and handwritten mail – to execute a cohesive, end-to-end prospecting campaign. “Personalized, multi-channel outreach is becoming table stakes to stand out in a crowded, outbound world. Advisors who embrace it are seeing stronger engagement and better conversion than those still relying on email alone, Advisors need smart, persistent outreach across multiple touchpoints without the inefficiency of switching between tools. That’s where Multi-Channel Campaigns and LinkedIn Actions come in, enabling seamless, high-conversion prospecting within FINNY’s purpose-built platform. ” - Eden Ovadia, co-founder and CEO Powered by FINNY’s advanced data intelligence and automation, Multi-Channel Campaigns and LinkedIn Actions enable advisors to engage with the right prospects across multiple channels without the friction of managing each step manually. By automating a previously fragmented and time-intensive process, FINNY allows advisors to significantly reduce the time spent on prospecting each week. In turn, they benefit from greater visibility through consistent outreach, stronger engagement as familiarity builds across multiple touchpoints and more effective communication by reaching prospects through their preferred channels — whether LinkedIn, email or direct mail. “The future of prospecting is multi-touch, multi-channel and hyper-personalized, and LinkedIn will play a key role in that, Multi-Channel Campaigns and LinkedIn Actions will level the playing field for advisors of all sizes, allowing solo practitioners and lean teams to operate with the scale and sophistication of a fully staffed marketing department. ” - Victoria Toli, co-founder and president. Multi-Channel Campaigns and LinkedIn Actions mark the latest evolution of FINNY’s technology, designed to meet the changing prospecting and marketing needs of financial advisors. These features build on recent innovations such as Intent Search – which uses 1. 8 billion proprietary intent signals to help advisors identify and engage high-potential prospects – along with Prospect Enrichment and AI-powered voicemails. Together, these tools reinforce FINNY’s position as the go-to prospecting platform for advisors seeking efficient, scalable growth. --- - Published: 2025-06-18 - Modified: 2025-09-15 - URL: https://finny.com/blog/how-rosefinch-leverages-finny-to-serve-a-complex-cross-border-niche/ - Categories: Uncategorized Rosefinch is a boutique financial advisory firm specializing in cross-border planning—particularly for UK expatriates living in the United States. The firm bridges the divide between UK and US financial systems, offering both domestic retirement planning and UK/EU financial advice. It’s a uniquely underserved niche—and one that poses significant outreach challenges. Damien Hanly, an advisor at the firm, has been using FINNY for 6 months as his main mode of business development.   With an audience that is hard to identify and even harder to engage, Hanly turned to FINNY to help scale personalized outreach and drive growth in a cost- and time-efficient way. The Challenge: Finding a Needle in a Global Haystack Finding Rosefinch’s target market—UK expats in the US— poses a unique challenge. Many traditional tools don’t track data around country of origin making it hard to identify prospects at scale. “The hardest part of our business is finding the people that meet our niche and conveying the importance of having a US-based individual look after their UK assets. ” Before adopting FINNY, Rosefinch experimented with LinkedIn outreach, blog content, and platforms that allowed them to purchase leads directly. But results were inconsistent, and email marketing hadn’t yet become part of the firm’s workflow. The Solution: A Daily Workflow Centered Around FINNY Everything changed when Rosefinch implemented FINNY. Damien and his team began using the platform every day to run campaigns, enrich prospect lists, and monitor engagement. “We have campaigns running every day—whether it’s monitoring, sourcing, or enriching contacts. FINNY is part of our daily operations. ” The team often builds their own audience lists manually, selecting prospects based on specific demographic and financial criteria. Then they use FINNY’s enrichment tools to acquire verified contact details, followed by multi-touch campaign launches that span geographic areas like Pennsylvania and the broader Tri-State region. The Results: Consistency, Efficiency, and a Smarter Prospecting Process While email engagement is challenging in such a niche market, FINNY has provided measurable improvements in structure and efficiency. “We weren’t seeing strong results from other platforms. FINNY makes it easier to iterate and stay persistent—without wasting hours. ” Campaigns that address the challenges of managing both US and UK assets tend to generate the most responses. Additionally, FINNY has inspired the Rosefinch team to explore new marketing strategies—especially after attending a FINNY-hosted seminar on social media for financial advisors. “We didn’t understand social media marketing until FINNY invited us to that session. Now we’re creating content consistently. ” Favorite Features: Speed, Enrichment, and Intent Signals Two FINNY features stand out to Hanly: Intent-based targeting, which helps identify prospects who are already thinking about the kinds of problems Rosefinch solves. Fast, intuitive data enrichment, which has proven superior to other tools Rosefinch had used in the past. “Enriching prospect data is where FINNY really shines. It’s the quickest and easiest tool we’ve worked with. ” The FINNY Team: Supportive, Responsive, and Constantly Improving Hanly speaks highly of the FINNY team’s support and development efforts. “FINNY’s team is incredibly helpful... --- - Published: 2025-06-18 - Modified: 2025-09-15 - URL: https://finny.com/blog/case-study-how-clarity-advisors-grows-without-lifting-a-finger-with-finny/ - Categories: Uncategorized Clarity Advisors is a boutique RIA based in Buffalo, New York, led by Michael Brady. After over a decade in the industry—starting under a large Canadian distributor and ultimately launching his own independent firm—Brady has developed a reputation for helping families, individuals, and business owners through tax strategy, estate planning, and business valuation. When he went independent in 2024, Brady brought a loyal client base with him. But as he settled into the new practice, he began looking for scalable growth strategies that didn’t demand even more of his already-packed schedule. https://www. loom. com/embed/a1b13fae560645828d5cffc75ed846b4? sid=33eb6434-713a-4a82-9595-769f5dd81714 The Challenge: Scaling Outreach Without Adding Work For years, Brady relied on traditional channels like referrals and dinner seminars to grow. But these methods were time-intensive and unpredictable. As an independent advisor juggling clients, family, rental properties, and more, he needed a solution that could help him expand his reach without taking time away from his core responsibilities. " Time is not something I have a lot of. I’ve got family, full-time commitments... the fact that I’m able to just have running without me doing anything outside of setting up that initial campaign is the most attractive part for me. " Brady knew there had to be a better way to keep marketing running in the background—without hiring a full-time SDR or spinning up a complicated tech stack. The Solution: FINNY AI Brady discovered FINNY while exploring tools in the wealthtech space, one of the reasons he went independent in the first place. With FINNY, he was able to instantly start outbound email campaigns targeting curated audiences—without touching a spreadsheet or writing code. "The idea that I’d be able to fit in marketing outreach as if I had a full-time sales rep on my team... that was really attractive. And the price was right, too. " Using FINNY, Brady creates targeted campaigns using pre-built audience lists and automated outreach flows. He logs in just once a week or even once a month to check performance and update messaging. The rest runs in the background—freeing him to focus on his clients. The Results: Real Meetings from Passive Marketing Brady’s very first campaign—targeting job changers for 401(k) rollovers—delivered results in under 2 hours. The goal: target job changers in his region who might need to roll over their 401(k). Within two hours, someone booked a meeting. "I hadn’t even replied yet, and he already booked a time on my calendar. That was phenomenal. " Brady's website presence and brand was enough to drive the prospect to book a meeting after just the initial outreach. Since then, FINNY has remained a consistent part of Brady’s marketing mix. It fits into his budget, requires minimal time, and keeps his pipeline moving. Why It Works: Lightweight, Powerful, and Founder-Backed Brady loves that FINNY requires no heavy lifting—but he’s also impressed by the team behind the scenes. "The FINNY team is ambitious. They’re working their heads off, and it shows. They’re improving the product constantly but still always available if I need... --- - Published: 2025-06-09 - Modified: 2025-09-15 - URL: https://finny.com/blog/finny-unveils-intent-search-to-help-advisors-pinpoint-high-intent-prospects-faster/ - Categories: Uncategorized NEW YORK--(BUSINESS WIRE)--FINNY AI Inc.  (“FINNY”), the AI-powered prospecting and marketing platform built specifically for financial advisors, today announced the launch of Intent Search, a feature that allows advisors to identify and engage with prospects actively seeking financial guidance. This release also includes Prospect Enrichment and AI Voicemails, two additional capabilities that equip advisors with faster, smarter tools to drive organic growth through FINNY’s all-in-one prospecting solution. The Intent Search feature represents a breakthrough in precision prospecting. Powered by 1. 8 billion proprietary intent signals that are updated daily, it enables advisors to surface high-intent prospects based on real-time online behavior. Advisors can select keywords related to their services – like “401k rollovers”, “business succession planning”, “charitable giving” and more. FINNY identifies prospects who have recently researched those topics, pinpointing what they’re interested in and when they were actively searching. This allows for timely, targeted outreach based on actual behavior rather than guesswork. Searches are fully customizable, giving advisors the flexibility to layer in as much or as little criteria as needed to align with their prospecting strategy. “Organic growth in wealth management has been stagnant for years—not because advisors aren’t working hard, but because the tools they’ve been given aren’t built for how clients make decisions today,” said Eden Ovadia, co-founder and CEO. “With our proprietary intent data, advisors can finally break the cold outbound cycle. Now they know what prospects are actively searching for so they can reach out when interest is highest and the prospect is ready to connect. With this update, we’re affirming our commitment to helping advisors scale efficiently by leaning into what makes them most effective: relevance, empathy and timing. ” Alongside Intent Search, FINNY has released its Prospect Enrichment and AI Voicemails features. Prospect Enrichment enables advisors to upload external contacts and automatically matches them to FINNY’s database. Each contact is enriched with key information like estimated net worth, interests or money-in-motion events, and assigned a predictive F-Score to prioritize high-potential leads and add them to personalized campaign lists. Meanwhile, AI Voicemails allow advisors to deliver ringless, personalized voicemails at scale. They can select from multiple voice options to suit their preferences, and messages are able to circumvent spam filters. Each voicemail can be paired with a follow-up email to create efficient outreach that retains a human touch. Developed in direct response to advisor feedback, these new features address evolving marketing needs and help advisors focus on high-intent prospects. Previously, users were limited to outbound email campaigns targeting only FINNY-sourced leads. With these enhancements, prospecting is now more expansive, data-rich and efficient, reflecting FINNY’s commitment to helping advisors scale prospecting through advanced automation powered by data. The introduction of Intent Search, Prospect Enrichment and AI Voicemails further strengthens the platform’s capabilities and solidifies FINNY’s position as the go-to prospecting solution for advisory firms looking to break through today’s stalled organic growth. FINNY has seen strong engagement with its newly launched features and impressive platform growth in recent months. Since its launch, the Prospect Enrichment... --- - Published: 2025-03-13 - Modified: 2025-09-15 - URL: https://finny.com/blog/ritholtz-wealth-management-ceo-josh-brown-invests-in-finny-and-joins-advisory-board/ - Categories: Uncategorized Renowned podcaster, author, CNBC contributor and wealth management leader backs FINNY as it scales artificial intelligence (AI)-powered prospecting, advances mission to bridge the gap between wealth and the professionals serving it NEW YORK – March 13, 2025 – FINNY AI Inc. (“FINNY”), the AI-powered prospecting and marketing platform built specifically for financial advisors, today announced that “Downtown” Josh Brown, chief executive officer (CEO) of Ritholtz Wealth Management, has personally invested in the company and joined its advisory board. In this capacity, Brown will provide insights that help steer FINNY’s product roadmap, supporting continuous improvements to meet the evolving prospecting and marketing needs of financial advisors. “FINNY is solving the biggest challenge advisors face today: finding and connecting with the right clients,” said Brown. “Advisors are great at building relationships, but they don’t have the time—or the right tools—to consistently find new prospects. They don’t want to sit around cold-calling or sifting through generic databases and spreadsheets. FINNY changes that. It’s smart, automated and actually built for how advisors work today. I’m pumped to help Eden and the team take this to the next level. ” Brown joins an advisory board that includes industry heavyweights such as Arun Anur, chief operating officer at wealthtech juggernaut Orion. Known for his unfiltered, straight-talking approach to financial advice and industry trends, Brown has built one of the most recognizable personal brands in wealth management, leveraging his TV appearances, podcasts, books and digital platforms to connect with advisors and investors alike. His insights will be instrumental in guiding FINNY’s continued innovation, cementing the platform’s position as the go-to solution for organic advisor growth. "From our first conversation, Josh and I immediately clicked because we both recognized a fundamental truth: organic growth is the single biggest challenge for financial advisors, and the tools available today simply aren’t built for their needs,” said Eden Ovadia, FINNY co-founder and CEO, who was recently named one of WealthManagement. com’s “Ten to Watch in 2025.  “Josh is more than just an advisor; he’s known as a visionary in the space and has been involved in the early stages of some of wealth management’s biggest ventures. I am incredibly excited to work with Josh to bring FINNY to the next level, and keep building towards our vision of supercharging organic growth for advisors. ” This latest announcement comes on the heels of FINNY’s recently announced $4. 3 million seed round, co-led by Maple VC and HNVR, with participation from investors such as Morningstar CEO Kunal Kapoor and Deel COO Dan Westgarth. The funding has fueled further product innovation and adoption, reinforcing FINNY’s position as one of the fastest-growing AI-driven platforms in wealth management. By automating and optimizing the entire prospecting process, FINNY enables advisors to identify high-intent leads based on thousands of data points, including liquidity events, career changes and other money-in-motion signals. Its proprietary “F-Score” matching engine helps ensure that advisors only engage with the most relevant prospects, drastically improving conversion rates. The platform recently rolled out Personalized Feeds and Campaigns, two major innovations that redefine outbound engagement: Custom Feed: Empowers... --- - Published: 2025-03-10 - Modified: 2025-09-15 - URL: https://finny.com/blog/phantom-equity-plans-explained-how-they-work-and-why-theyre-valuable/ - Categories: Uncategorized Thinking about ways to keep your top talent from jumping ship? Phantom equity plans might be just what you need — a little-known but powerful tool that's gaining traction fast. The numbers don't lie. From 2021 to 2024, the percentage of HR leaders whose companies offer equity compensation jumped from 65% to 76%. And it's not just HR that's taking notice. About 60% of CFOs in a late-2023 poll said they're using compensation packages like phantom equity to attract and keep great people. What's the big deal? Well, companies aren't just doing this for fun. Take Athena LLC — they've used phantom equity plans to hold onto more than 1,000 employees and contractors around the world. That's what happens when you give people a real stake in your company's success without diluting ownership. We're going to break down exactly how these plans work, why they might be right for your business, and how to set them up without getting tangled in red tape.   Understanding Phantom Equity Plans Phantom equity plans are a smart type of employee benefit program. They give employees the good parts of owning stock without actually handing over any shares. Instead, employees get the right to receive cash or stock equal to the value of a certain number of shares down the road, usually when they hit specific goals. In simple terms, phantom equity is a contract where employees receive money tied to how well the company's stock does, but they don't actually own anything. It's like watching the stock performance from the sidelines — you get paid if it does well, but you don't get voting rights or dividends. Comparison to Traditional Stock Options Traditional stock options and phantom equity are a bit different. Phantom equity doesn't dilute ownership since you don't have to issue new shares, which makes it a great fit for private companies that want to keep things simple. With regular stock options, you're actually transferring ownership and that can water down what current shareholders have. Simulating Stock Ownership Phantom equity acts like real stock by connecting payouts to how much the shares go up in value. For example, if an employee gets phantom shares when they're worth $10 each, and then they climb to $20, the employee gets that $10 difference as cash.   The Rise of Phantom Equity in Startups and LLCs Phantom equity has gotten really popular with startups and LLCs lately. These businesses often don't have the resources to hand out traditional stock options, so they need different ways to keep employees motivated. By using phantom equity plans, startups can build loyalty without giving away ownership or making their company structure more complicated. This trend shows more people are seeing phantom equity as a real option in modern compensation packages. But it can be tough for entrepreneurs to figure out all the details of these financial tools on their own. That's why it's important to talk to a financial advisor for entrepreneurs who can help make smart decisions that work for both the business goals... --- - Published: 2025-03-06 - Modified: 2025-09-15 - URL: https://finny.com/blog/5-smart-portfolio-diversification-strategies-to-protect-your-wealth/ - Categories: Uncategorized Investing today means dealing with market ups and downs that can make your head spin. So a diversification plan increases your chances to keep your wealth from vanishing when markets get shaky, it cuts your risk.   When you spread investments across different assets, you're more protected even if one area takes a hit. And according to Harvard research, a globally diversified stock portfolio from 1991-2019 produced a Sharpe ratio of 57%, compared to just 38% for individual markets. Diversification also gives you more chances for growth. Different markets thrive at different times — when one's down, another might be up. And during those economic rough patches a well-diversified portfolio can be your financial shock absorber. So how do you actually do this right? That's what we're covering today — five practical strategies that financial advisors use to protect client wealth through smart diversification. Understanding Portfolio Diversification What Portfolio Diversification Actually Means? Portfolio diversification is just spreading your money around in different investments so you don't lose everything if one goes bad. It's the financial version of not keeping all your eggs in one basket — and it works. When you diversify, you're basically giving yourself a safety net. Your investments might include stocks, bonds, real estate, and maybe even a little cash just sitting there. They all act differently when the market changes, and that's the whole point. Why People Diversify Their Investments The main reason anyone diversifies is to get more reliable returns without the ups and downs. There are a few good things that happen when you do this: Your risk might go down. When one investment is having a bad day, another might be doing just fine. You might actually have a chance to make more money. Different investments grow at different times, so you're always catching something on the upswing. Your money might stay safer. Market crashes are rough, but they don't hit everything the same way at the same time. All in all diversification helps you: deal with specific problems that might hit one company or industry and take advantage of different markets around the world that might be growing while others are slowing down. It balances things out, so when some investments are struggling, others are probably doing well, so your overall portfolio doesn't tank. The Benefits and Types of Diversification Diversification is a big deal for managing risk in your investment portfolio. By spreading money across different types of investments, you can reduce the chance of losing everything if one area crashes. Here's why it's so important: It might help to cut down your risk. When you're diversified and one investment does poorly, others might do well, balancing things out and keeping your portfolio from wild swings. It might boost your returns over time. Different investments respond differently to what's happening in the market, so you can catch growth wherever it happens. The Main Types of Investments for Diversification To diversify well, you need to know about different types of investments: Stocks: These... --- - Published: 2025-03-03 - Modified: 2025-09-15 - URL: https://finny.com/blog/debt-vs-equity-financing-the-ultimate-showdown-for-entrepreneurs/ - Categories: Uncategorized Finding cash for your venture can be a bit overwhelming — especially when you're trying to decide between debt and equity financing. To keep it simple: debt financing means borrowing money you'll need to pay back (think bank loans or credit lines), while equity financing involves selling parts of your business to investors who then share in your profits. The global equity market hit $115. 0 trillion in 2023 — that's a 13. 4% jump from the year before. Meanwhile, the debt financing market reached $25. 6 billion and is expected to grow to $73. 3 billion by 2033. So both are viable options, but which one makes more sense for you? It really comes down to a few questions: Do you want to keep complete control of your business? Or are you okay sharing decision-making power? Can your cash flow handle regular loan payments? Because those payments don't care if you had a slow month. With thousands of businesses changing hands every year, making the right financing choice could determine whether your great idea becomes a great success. So let's dig deeper into both options so you can make the choice that works for your unique situation. What is Debt Financing? Debt financing is how businesses borrow money to get things going. You get cash now, then pay it back later with a little extra. The great thing is that you don't have to give away pieces of your company in the process. And we're talking about serious money here. According to the OECD, global corporate bond debt hit $34 trillion by the end of 2023. And even more interesting, over 60% of that growth since 2008 came from non-financial corporations. Here's what makes debt financing what it is: You've got to pay it back. Sounds obvious, but it's the big difference from equity — you're borrowing, not selling. And yes, there's usually interest involved. It comes with a deadline. Most loans aren't open-ended — they have specific timelines for repayment. Where can you find this money? There are several common places: Bank loans are the classic option. You get a lump sum and pay it back in chunks over time. Lines of credit give you more flexibility. You can dip in when you need cash, up to a certain limit, and just pay interest on what you actually use. SBA loans might be worth looking into if you're running a smaller operation. They're backed by the Small Business Administration and often have better terms than standard bank loans. Interest rates matter a lot in all this. Recent SIFMA data shows that U. S. long-term fixed income issuance actually dropped by 6. 9% to $8. 3 trillion in 2023, while equity financing jumped by nearly 40%. This shifting balance might affect the rates you're offered. Your credit score will impact those rates too. Better credit usually means lower rates, so keeping your financial house in order pays off — literally. And don't forget about taxes! Interest payments on business loans are typically tax-deductible. That can make a... --- - Published: 2025-02-26 - Modified: 2025-09-15 - URL: https://finny.com/blog/the-ultimate-checklist-for-accredited-investor-requirements/ - Categories: Uncategorized A lot's changed since 1983 when 1. 8% of U. S. households qualified as accredited investors. Today, that number's grown to 14. 8% — and these investors control about $109. 5 trillion in wealth.   Being an accredited investor is straightforward — you either meet the SEC's requirements or you don't. And while the criteria might seem a bit strict at first, they're there for a good reason: to make sure investors can handle the risks that come with more complex investments like private equity or hedge funds. The requirements aren't just random numbers the SEC came up with. They're designed to open doors for people who can afford to take bigger risks, while protecting others who might not be ready for these kinds of investments. This guide will walk you through everything you need to know about becoming an accredited investor.   Meeting Accredited Investor Requirements The SEC has some pretty specific rules about becoming an accredited investor. It's actually quite simple — you'll need either good financial standing or the right professional background to qualify. Who Can Qualify? Money isn't the only way to qualify, but it's probably the most common one. You'll need either $1 million in net worth (not counting your house), or a substantial income — $200,000 if you're on your own, or $300,000 with your spouse or partner. And you'll need to show you've had it for two years and will likely keep it up. But there's another way too. The SEC says these criteria will get individuals and entities qualify:  Investment pros with Series 7, 65, or 82 licenses who are in good standing and want to invest Company leaders, like directors and executive officers, who are involved in selling securities Members of qualified family offices (and their clients too) People working as "knowledgeable employees" in private funds who know their way around investments Companies and organizations with more than $5 million in assets Banks and insurance companies, who get automatic qualification The rules might seem a bit strict, but they're there to protect you. After all, these investments can be different from what you might be used to — they often need more money up front and can be a bit harder to sell quickly. This might seem like a lot to take in, but it's really about making sure you're ready for these kinds of investments. When you qualify, you'll get to look at opportunities that aren't open to everyone — and that can be a good thing for growing your money, even though there's no guarantee these investments will work out better than regular ones. Professional Experience and Certifications You don't always need a big bank account to be an accredited investor — your work experience and certifications can get you there too.  The SEC has some different ways for professionals to qualify, and they're pretty specific about it. The Right Licenses Make a Difference FINRA offers three different licenses that can help you qualify: Series 7 — this license allows you to sell all kinds of securities Series... --- - Published: 2025-02-24 - Modified: 2025-09-15 - URL: https://finny.com/blog/down-round-protection-explained-avoiding-the-pitfalls/ - Categories: Uncategorized You might've noticed a big shift in startup valuations lately: while just 8% of U. S. venture deals were down rounds in 2022, that number jumped to 23% by early 2024. It's a trend that's gotten a lot of financial advisors and investors worried about protecting their clients' interests. Down round protection is an important tool that helps shield existing shareholders when companies need to raise money at lower valuations. And right now, with the market going through some major changes, it's really crucial to know how these protections work. In this article we'll break down different types of down round protection and strategies and show you how they can help both founders and investors make better decisions.   What's Really Going On With Down Rounds One example of a dramatic shift in startup valuation is Stripe, a company that many investors had their eyes on. Their valuation dropped to $50 billion in 2023, which was quite a change from their previous $95 billion. But they're not alone in this. Klarna, another big name in fintech, saw an even bigger drop — their valuation fell by $85% in 2022, going from $45. 6 billion to $6. 7 billion. A down round happens when a startup needs to raise money at a lower valuation than before. And right now, we're seeing this a lot more than usual. The numbers tell us why — startup investment in North America fell to $144. 3 billion in 2023, which was 37% lower than the previous year. That's a big drop, and it's made things pretty tough for companies trying to raise money. Why Down Rounds Are Happening? Post-money valuations dropped by about 50% from 2022 to 2023, and IPOs? They hit their lowest point in a decade. Add to that the Federal Reserve pushing interest rates up to 4. 25-4. 50% by 2025, and you've got a situation where investors are being really careful with their money. Companies that might've gotten great valuations a few years ago are finding it harder to justify those numbers now. Impact on Growth and Funding When a company goes through a down round, it changes a few different things: The company's value goes down on paper, which can make it harder to attract new investors for current and future rounds. The whole situation can shake up relationships with everyone involved — from employees to investors. This is especially important if you're advising companies that are still trying to grow. They might need to adjust their plans and think differently about how they're going to get the money they need to keep going. The Mechanisms of Down Round Protection When a company's value goes down during a new funding round, some investors already have a safety net in place. It's called anti-dilution protection, and it's a pretty big deal in venture capital deals. You'll find two main types of these protections — full ratchet and weighted average adjustments. Let's break them down. Full Ratchet: The Tough One Full ratchet protection is a bit intense. Here's what happens: if the company raises money at a lower... --- - Published: 2025-02-22 - Modified: 2025-09-15 - URL: https://finny.com/blog/self-employed-and-wondering-about-retirement-heres-what-you-need-to-know/ - Categories: Uncategorized Being your own boss is great, but it comes with a little twist when it comes to retirement planning. And if you're one of the 16. 35 million self-employed workers in the U. S. , you've probably noticed that figuring out retirement isn't as straightforward as it is for everyone else. The numbers tell a pretty tough story — self-employed households typically have $4,700 less in their retirement accounts compared to those working for employers. But there are still some great options out there for independent workers like you. In this guide we're going to look at different ways you can save for retirement when you're self-employed. What Are Retirement Options for Self-Employed Individuals?   SEP IRA — A Good Choice for Many Self-Employed People If you've heard about SEP IRAs, there's a good reason — they're a bit like a traditional IRA but with some great extras that work really well for self-employed people. You can put in more money, and the rules aren't too complicated. The way it works is quite straightforward: you're basically wearing two hats — you're both the employer and employee. And as the employer, you get to contribute quite a bit of money to your retirement account. For 2024, you can put in up to $69,000 (or 25% of your net income, whichever is less). The tax benefits might be good too. Everything you put in reduces your taxable income for the year, and your money grows tax-deferred until you take it out in retirement. And if you're running your own business, these contributions count as business expenses — so they're fully deductible on your taxes. Here's what makes SEP IRAs different from some other retirement accounts: You don't need much paperwork to get started You can skip contributions in lean years You don't have to put money in at specific times — you can wait until tax filing time There's no annual filing requirement But there are a few things to keep in mind. You can't make regular employee contributions like you would with a 401(k), and there aren't any catch-up contributions if you're over 50. Also, when you take the money out in retirement, you'll pay regular income tax on it. Solo 401(k) — Double Up Your Contributions If you're working for yourself with no employees (except maybe your spouse), a Solo 401(k) might be a good fit. It's pretty much like a regular 401(k), but with some extra perks that work great for self-employed people. Here's what makes it different: you get to contribute as both the employer and employee. As an employee, you can put in up to $23,000 for 2024. And if you're 50 or older, you can add another $7,500 on top of that. Then, wearing your employer hat, you can contribute up to 25% of what you earn. Everything you put in helps reduce your taxable income right now, which can be really helpful in years when business is doing well. Your money grows tax-deferred, and you don't pay taxes until you take it out... --- - Published: 2025-02-21 - Modified: 2025-09-15 - URL: https://finny.com/blog/business-succession-planning-common-mistakes-and-how-to-avoid-them/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. While you're busy managing day-to-day operations of your business, there's something that often gets pushed to the back burner — succession planning. While business acquisitions reached 9,546 transactions in 2024, with a total value of $7. 59 trillion — that's 15% higher than 2023 — only 51% of companies have a written CEO succession plan. These numbers tell us something important: businesses are changing hands at increasing values, and being prepared for transition is essential. In this guide you’ll find key things you need to know about it. Why Succession Planning Matters More Than Ever Your business is your legacy, your team's livelihood, and often a significant part of your retirement plan. That's where financial planning comes in. A good succession strategy is all about making sure your business can thrive without you. And speaking of retirement, there's more to consider than just the handover.  Tax planning plays a major role in how much value you'll actually keep from your life's work. With business values trending upward, getting this part right makes a real difference to your bottom line. The transition of ownership and management responsibilities isn't something that happens overnight. It takes time, careful consideration, and often several years of preparation. When owners invest in identifying and developing potential successors, they're doing more than planning for their exit — they're building a stronger, more resilient organization right now. Good succession planning creates clarity for your team, stability for your clients, and often leads to improvements in your current operations.   The financial implications reach far beyond the sale price. From tax efficiency to retirement income planning, each decision point in your succession strategy can significantly impact your long-term financial well-being. So by getting every element right, you're maximizing the value of everything you've built. Basics of Business Succession Planning The succession advisory market is expected to reach $8. 4 billion by 2033, growing at nearly 5% annually. That's a clear signal that businesses are taking this seriously. What Makes a Good Succession Plan? A succession plan is actually two plans working together. First, there's your long-term strategy — the one you work on gradually, to develop your team and prepare for a smooth transition down the road. Then there's your emergency plan, which kicks in if something unexpected happens. You need both, and they work in different ways. Here’s what long-term succession planning means: Identifying promising team members who could step up to lead Getting them ready with the right skills and experience Setting up a timeline that works for everyone Making sure your business stays strong during the change Beyond the Basics When you're thinking about succession, you've got to consider some different angles. If you're working with financial advisors (and that's often a really good idea), they can help you... --- - Published: 2025-02-12 - Modified: 2025-09-15 - URL: https://finny.com/blog/buy-sell-agreements-and-life-insurance-a-comprehensive-guide/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. A recent Supreme Court decision has changed how we think about buy-sell agreements and life insurance. The court ruled that life insurance proceeds used in business buyouts need to be counted differently for tax purposes. And if you're a business owner or financial advisor, you'll want to know more about this. In this guide, we're going to walk through the different types of agreements you can use, show you how life insurance fits into the picture, and give you practical ways to value your business interests. Let’s dive in.   Understanding Buy-Sell Agreements Buy-sell agreements shape how ownership changes hands when major events occur. They're a bit like prenups for businesses, setting clear expectations and protecting everyone involved. And just like you'd protect your family with life insurance, these agreements work with insurance to safeguard your business's future. They're legal tools that help you manage ownership changes in your business, and they're a bit more flexible than you might think. When someone needs to leave the business — whether it's planned or unexpected — these agreements make sure everyone knows exactly what'll happen next. Types of Buy-Sell Agreements You've got two main options here, and each one works a little differently: Entity-Purchase Agreement This is when your business buys out the departing owner's shares. It's great for corporations and LLCs because it keeps things simple — the company handles the purchase directly. And with 45. 82% of direct premiums concentrated among the top insurance providers, you've got some solid options for funding these agreements. Cross-Purchase Agreement In this setup, the remaining owners buy the shares themselves. It works really well for partnerships, and you don't have to worry about corporate tax implications. The owners can keep their relative stakes in the business just the way they want them. Why These Agreements Matter They're important for a few key reasons: First, they help prevent those difficult situations where owners disagree about what should happen next. That's especially valuable when you're dealing with unexpected events — and we all know how tough those can be. Second, they give you financial breathing room. When you need to buy out someone's share, you don't want to be scrambling for funds. A good agreement makes sure you're ready for that. For family businesses, these agreements are particularly valuable. They help keep the business in the family while making sure everyone's treated fairly. Speaking of which, if you're running a family business, you probably know how tricky these conversations can be. Role of Life Insurance in Buy-Sell Agreements Life insurance is a key player in making buy-sell agreements work. With the market expected to reach $16. 7T by 2033, it's becoming an even more important tool for business planning. In 2023 alone, insurance companies paid... --- - Published: 2025-02-11 - Modified: 2025-09-15 - URL: https://finny.com/blog/the-ultimate-guide-to-early-exercise-of-stock-options/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. A recent study found that executives who exercise their options early typically give up about 12% of their potential value, while non-executives leave even more money on the table, sacrificing up to 28% of their options' value. But don't worry, this guide will walk you through everything about early exercise of stock options, from basic concepts to advanced strategies. Whether you're weighing an early exercise decision right now or just planning ahead, you'll find the answers you need. What Is Early Exercise of Stock Options? So what does early exercise of stock options mean? It's a way to buy your shares before they fully vest. Yet only 28% of non-early-exercisable options are exercised after someone leaves their company — so timing really matters. How Early Exercise Works When you exercise early, you're buying shares ahead of schedule. While in that case you'll own the shares, you might not be able to sell them right away until they vest. That's normal, and it's just part of the process. American vs. European Options: What's the Difference? European-style options have gotten more popular lately — they're up to 6% of total equity option volume in 2023 from just 1. 1% in 2018. And they're a bit different from American options. With American-style options, you can exercise whenever you want before they expire. With European options you've got to wait until they expire to exercise them, which means you might miss out on some good opportunities. Employee Stock Options: The Basics Companies love using stock options to reward their employees, and it's easy to see why. They usually come with a vesting schedule that tells you when you can exercise them. A few things affect how valuable they are: The strike price (what you'll pay for the shares) How well the company's stock is doing What you want to achieve financially Benefits of Early Exercise Let's talk about why you might want to exercise early. Capital Gains and Taxes If you exercise early and hold onto your shares for more than a year, you might pay a lower tax rate when you sell. That's because you'll qualify for long-term capital gains rates instead of the higher short-term ones. Special Tax Benefits for ISOs Incentive Stock Options (ISOs) might be a great deal tax-wise: if you exercise early and hold them long enough, you might end up paying capital gains rates instead of income tax rates on the profit. Although, you should watch out for the Alternative Minimum Tax (AMT). The difference between what you pay for the shares and what they're worth might trigger AMT. You can handle this by: Exercising fewer shares at a time Getting professional advice about your specific situation Being a Shareholder Has Its Perks When you exercise your options,... --- - Published: 2025-02-10 - Modified: 2025-09-15 - URL: https://finny.com/blog/everything-you-need-to-know-about-qualified-small-business-stock/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. If you are looking for a way to invest in small businesses while getting significant tax advantages, Qualified Small Business Stock (QSBS) might be that one thing that you're seeking. This little-known provision under IRC Section 1202 was first introduced in 1993, and since then has been helping investors support growing companies with tax benefits. Small businesses have traditionally struggled to attract equity investment, so this tax incentive aims to change just that. It's a win-win: businesses get the capital they need, and investors — tax advantages that can enhance their returns. Whether you're an investor looking for potential tax-efficient opportunities or a financial advisor guiding clients through investment decisions, understanding QSBS is going to be valuable for your toolkit. Let's get into the details in this guide. What Makes QSBS Different? QSBS is a bit different from your typical stock investment. For one thing, not every small business qualifies — there are specific requirements that need to be met. Yet it comes with the potential tax benefits substantial enough to make this investment option worth a closer look. Let's break down what you need to know about qualifying for QSBS status and making the most of its advantages. Understanding Qualified Small Business Stock (QSBS) So, what makes a company's stock qualify as QSBS?   First off, we're talking about C corporations — and only C corporations. That's a key point you'll want to keep in mind when considering QSBS investments. There's also a clear limit related to the size here: the company can't have more than $50 million in gross assets before and right after issuing the stock.   If you are wondering how common QSBS really is, in 2024 90% of Series Seed rounds included QSBS, up from 81. 7% in previous years. And while the numbers drop to about 50% for Series B rounds (when companies often grow beyond QSBS thresholds), there's still a good amount of opportunity here. Tax Benefits of Investing in QSBS Let's talk about what's probably the most exciting part — the tax benefits. By 2023, investors saved about $1. 8 billion through QSBS exemptions. And these benefits are making a real difference in the startup world. There's been a 12% increase in new businesses in eligible industries since the 2010 expansion of QSBS benefits, with high-tech startups seeing a 15% boost. If you bought QSBS after 2010, you could exclude up to $10M or 10x your initial investment in gains from taxes, whichever is higher. Here's what you need to know about the exclusion limits: If you bought before February 17, 2009: You can get a 100% exemption on your capital gains, and there's no maximum limit. That's a pretty great deal. If you bought between February 17, 2009, and September 27, 2010: You'll get a 75%... --- - Published: 2025-02-09 - Modified: 2025-09-15 - URL: https://finny.com/blog/59-and-a-half-rule-what-should-you-do-when-you-turn-59-%c2%bd/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Turning 59½ is actually an important moment for your retirement savings. It means that you’ll have the freedom to access your 401(k)s and IRAs without early withdrawal penalties. And while that's good news, it shouldn’t start withdrawing funds right away, and probably need a better strategy.   The timing is especially crucial for medical professionals, for instance, and others who've built up substantial retirement savings through their careers. You'll want to think about tax implications, your long-term income needs, and how to make your savings last. That's exactly what we're going to break down for you. You'll learn when it makes sense to start withdrawing, smart ways to blend different retirement income sources, and strategies to avoid common tax pitfalls that catch many people off guard. So, let’s dive in.   Understanding the 59 and a Half Rule  59½ IRS rule rule means you can take money from your 401(k)s and IRAs without paying penalties once you hit that age. Before then you were looking at giving up 10% of your withdrawal to penalties — and that's on top of any taxes you might owe. Penalties are a real concern for many people, as 41% of retirement account holders have taken early withdrawals, and about 11% have done it multiple times. That can really add up in lost retirement savings. How It Works When you turn 59½, you get a bit more freedom with your retirement money, yet you'll want to think about a few different things: With traditional IRAs, you won't face penalties anymore, but you'll still need to pay regular income tax on what you take out. That's because you got a tax break when you put the money in. 401(k)s work in a similar way, and you've got some options to think about. Pre-tax contributions will be taxed when you withdraw them — that's just how it works. But if you've got Roth contributions in there, you might be in for some good news on the tax front. A Word About Early Withdrawals Taking money out before 59½ can be tough on your retirement savings. Not only do you lose that 10% penalty, but you also miss out on all the growth that money could have earned if you'd left it alone. And while sometimes you might need to tap into those funds early, it's worth exploring other options first. The more you know about these rules, the better decisions you can make about your retirement money. After all, we're talking about your future here, and having a solid plan for when and how to use these funds makes a real difference in the long run. Traditional vs. Roth 401(k)s: What's Different at 59½? When you hit 59½, knowing the differences between Traditional and Roth 401(k)s... --- - Published: 2025-02-08 - Modified: 2025-09-15 - URL: https://finny.com/blog/cross-border-financial-planning-tips-from-the-experts/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Managing money across borders is a bit different than handling finances in a single country — and that's putting it mildly — as the financial changes that come with moving can feel overwhelming. You are now managing investments in multiple currencies, dealing with tax laws that sometimes conflict with each other, and trying to make smart retirement choices that work in different countries. And that's on top of the regular financial planning everyone needs to do. You might be an expat building a career abroad, or maybe you've got family spread across different countries. Whatever brought you here, you're probably wondering how to make sure your money works as hard as you do. In this guide we'll show you how to turn these complex financial pickles into opportunities and use these different systems to your advantage. Understanding Cross-Border Financial Planning If you're living abroad as an expat, have family members in different countries, or run an international business, you probably know that managing money across borders isn't always smooth sailing. You've got different tax laws in each country (and they don't always play nice together). Then there's the whole currency thing — when your money's spread across different currencies, keeping track of its actual value can get a little complicated. And let's not forget about cultural differences — they can really affect how families make financial decisions together. Making Your Money Work Across Borders Here are some good tools that can help: Multi-currency accounts are great for dealing with different currencies. You won't have to worry as much about exchange rates eating into your savings. Investment options have gotten much better too. The U. S. investment fund market has grown by $20 trillion since 1998, giving you more choices for managing international investments. Global mutual funds and ETFs can make your life easier by spreading your investments across different markets — and you won't need to juggle multiple accounts. And if you're thinking about the long term, trusts and estates are worth considering. They're doing well too — the industry has grown at 4. 1% annually to reach $257. 7 billion. These structures can be really helpful for passing wealth to family members, even when they're in different countries. Sometimes, working with a financial advisor who knows their way around international rules can make a big difference. They can help you put all these pieces together in a way that makes sense for your situation. Navigating Complex Regulations The U. S. tax system works a bit differently from what you might expect. If you're a U. S. citizen, you'll pay taxes on all your income — no matter where in the world you earn it. But if you're a non-resident alien, you'll probably only need to... --- - Published: 2025-02-07 - Modified: 2025-09-15 - URL: https://finny.com/blog/9-essential-estate-planning-tips-for-expats/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Living abroad brings a different set of challenges when it comes to managing your estate. And with over 5. 4 million Americans living abroad, the need for clear guidance on cross-border estate planning is bigger than ever. You might think estate planning is just about writing a will, but for U. S. citizens living abroad, it's so much more complicated than that: your assets are spread across countries, tax laws don't always play nice with each other, and family situations can get really tricky when different legal systems are involved. But here's what makes a good estate plan worth every minute you spend on it: it's not just about following rules. We've put together some really good strategies that work for U. S. citizens living abroad. Whether you're just starting to think about estate planning or need to update your existing plan, you'll find practical ways to protect your assets and make sure your wishes are respected, no matter where you live. 1. Understanding the Need for Estate Planning as an Expat When you live overseas, you'll probably have bank accounts in different countries, maybe some investments here and there, and possibly real estate too. That's great for diversification, but it can make things tricky when it comes to taxes and legal requirements. You don't want your family dealing with double taxation or fighting over assets because different countries have different rules. Speaking of family situations — and this is particularly important for financial planning for single parents — having relatives across borders adds another layer to consider. Your family members might have different passports or live in various countries, which means you've got to think about how different inheritance laws might affect them. 2. Making Your Will Work Across Borders Let's talk about wills — they're going to be your best friends in this process. You've got a few options that can work really well: If you own property in a specific country, you might want to look into something called a situs will. It's a good way to make sure that property gets handled according to local laws. And if you've got assets in several places, a multi-jurisdictional will could help tie everything together nicely. But here's something important: your U. S. will might not work exactly the way you expect it to in other countries. Some places have different rules about what they'll accept, and that can cause problems if you don't plan for it. Getting some help from local legal experts can save your family a lot of trouble later on. . 3. Navigating Tax Obligations as an Expat When it comes to taxes as a U. S. expat, things can get complicated pretty fast. And with about 20% of U. S. expats feeling... --- - Published: 2025-02-06 - Modified: 2025-09-15 - URL: https://finny.com/blog/9-myths-about-working-with-financial-advisor/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. If you ask financial advisors themselves — they expect to deliver impressive returns. According to this report surveying financial advisors around the world, they anticipate annual growth of 12. 4% on average for the next three years. And yet, many people still hesitate to work with them. Maybe you've heard that financial advisors are too expensive. Or that they're only for the ultra-wealthy. These ideas keep circulating, and they might be stopping you from making significant progress with your money. We're breaking down 9 myths about working with financial advisors. By the time you finish reading this article, you'll find out what financial advisors might (and can't) do for your money.   Myth 1: Financial Advisors are Only for the Wealthy Think financial advisors are only for people with millions in the bank? That's a common misconception that might be holding you back from getting valuable financial help. The truth is, financial advisors work with clients across different income levels, and they're good at adjusting their services to fit your specific situation. A financial advisor can help you create a budget that makes sense for your income — whether you're making $50,000 or $500,000 a year. They'll look at your spending, help you set realistic financial goals, and show you different ways to reach them. And if you're dealing with debt? They can help with that too, showing you strategies to pay it down while still saving for your future. Myth 2: All Financial Advisors are the Same There are 103,000 Certified Financial Planners in the U. S. alone — and that's just one type of financial advisor. Each brings something different to the table. CFPs create comprehensive financial plans covering everything from retirement to estate planning. Investment advisors focus on managing your portfolio, and their popularity is growing fast — they've added 24 million new clients in the last 6 years. Tax advisors are another option, making up a $13. 8 billion industry. They help you make smart tax decisions that could save you money each year. And if you're comfortable with technology, robo-advisors might be worth considering. This sector is growing at 27. 8% annually and could reach $8. 6 billion by 2030. When you're looking for an advisor, check their qualifications first. CFP, CFA, and CPA certifications show they've put in the work to master their field. Also pay attention to their specialties — some advisors are great with retirement planning, while others might focus on debt management or estate planning. You'll want to talk with a few different advisors before making your choice. Pay attention to how they communicate and whether their style works for you. A good advisor should make you feel comfortable asking questions and explaining your goals. Myth 3: You Don't Need a Financial Advisor if You... --- - Published: 2025-02-05 - Modified: 2025-09-15 - URL: https://finny.com/blog/11-essential-questions-that-will-transform-your-financial-advisor-search/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Finding the right financial advisor isn't the easiest problem to tackle: when your financial future is at stake, you can't afford to make the wrong choice. Think about it: would you trust someone with your retirement savings just because they have a nice office? Or pick an advisor based on a friend's casual recommendation? Financial advisors come in many forms — some manage investments, others focus on comprehensive planning, and a few do it all. Some are fiduciaries who must put your interests first, while others work on commission. Some specialize in high-net-worth clients, and others help young professionals build wealth from scratch. That's why asking the right questions makes all the difference. And we've got 11 essential ones that will help you separate truly qualified advisors that match your needs from those who just talk a good game. 1. What Are Your Qualifications and Experience? When you're looking for a financial advisor, their qualifications should be at the top of your list. A CFP® certification means they've put in the work to understand financial planning inside and out. They know their way around tax strategies and can analyze investments with expertise. Then there's the CFA — these professionals live and breathe investment analysis. They've spent years studying portfolio management and know how to handle market ups and downs. And don't overlook CPAs. Their deep knowledge of accounting makes them great at seeing the big financial picture. But credentials are only part of the story. You want someone who's worked with different financial products and dealt with all kinds of market conditions. Someone who's helped clients through good times and tough times. 2. How Are You Compensated? Let's talk about money — specifically, how your advisor makes it. Some charge by the hour, which works well if you need help with specific financial projects. Others take a percentage of the assets they manage for you. When they help your portfolio grow, they earn more too. Hourly Fees: Advisors charge for their time, suitable for specific consultations or projects. Percentage of Assets Under Management (AUM): A common model where fees are based on the total assets managed, aligning the advisor’s interests with your portfolio growth. The way your advisor gets paid can affect the advice you receive. Commission-based advisors might lean toward certain financial products. And while that's not always bad, you should know about it upfront. 3. What Is Your Investment Philosophy? Some advisors love active trading — they're constantly buying and selling, trying to beat the market. This approach usually comes with higher fees because of all those transactions. Others prefer passive investing. They'll put your money in index funds or ETFs and let it grow over time. The fees are usually lower,... --- - Published: 2025-02-04 - Modified: 2025-09-15 - URL: https://finny.com/blog/finding-your-perfect-match-a-guide-to-financial-advisor-types/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Money decisions aren't getting any simpler. And with 321,000 financial advisors in the US — and growing — finding the right one can feel overwhelming. The financial advisory market is set to manage $90. 54 trillion in assets by 2025. That's a lot of money being managed by professionals who each bring something different to the table. Whether you're selling your business, switching careers, or planning for retirement, you need someone who gets your specific situation. And trust us — there's a financial advisor out there who matches your exact needs. In this guide you'll learn about different types of financial advisors, what they actually do (beyond the fancy titles), and how to spot the one that fits your financial goals. Knowing how to pick the right advisor is about working with someone who understands where you want to go and knows how to help you get there. And that's what we'll help you figure out. Understanding Financial Advisors A financial advisor is a professional who provides guidance on various aspects of personal finance management. Their role encompasses a wide range of services, including: Investment strategy formulation Budgeting and cash flow management Retirement planning Tax optimization These experts help clients navigate complicated financial situations making sure that their investment decisions align with your long-term goals. Importance of Financial LiteracyWhen you know the basics, you can ask better questions and really get what your advisor is suggesting. You'll understand different investment options and how advisors get paid, which helps you pick someone who's right for you. Whether you need a tech-based solution that keeps costs down or want someone who'll sit down with you and plan everything from retirement to estate planning, having some financial knowledge helps you make that choice. And the more you know, the better conversations you'll have with your advisor. Understanding these different advisor types is key — and there are quite a few to choose from. Each one brings something different to the table, depending on what you need. Some focus on investments, others on comprehensive planning, and some specialize in specific areas like retirement or tax planning. If you're thinking about getting professional financial help, there are plenty of ways to find the right expert for your needs. And if you're dealing with big life changes — maybe you're moving or switching careers — having someone who understands how these changes affect your finances can be incredibly valuable. Types of Financial Advisors You Need to Know About 1. Robo-Advisors Robo-advisors are changing how we think about investment management. They're automated systems that create and manage your investment portfolio based on your answers to some online questions about your money goals and situation. And they're getting more popular — these platforms will manage $1. 67... --- - Published: 2025-02-03 - Modified: 2025-09-15 - URL: https://finny.com/blog/growing-business-growing-wealth-why-entrepreneurs-need-financial-advisors/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Business success and personal wealth go hand in hand — but many entrepreneurs struggle to manage both effectively. Most business owners spend the majority of their time working on building their company, leaving little room to think about their personal financial future. Building and scaling a business is complex enough. Add personal wealth management to the mix, and you've got a real challenge. That's where financial advisors make a difference. Financial advisors who work with entrepreneurs focus on connecting business performance to personal wealth and spot growth opportunities that boost profits and identify smart investment moves to increase net worth. The right advisor becomes a strategic partner who helps transform business achievements into lasting personal financial security, achieving both professional and personal financial goals. This article shows you how financial advisors help entrepreneurs build sustainable wealth while growing their businesses — and why you might want to consider working with one. Common Financial Challenges Faced by Entrepreneurs Running a business comes with serious financial challenges — and recent data shows just how tough it can be. A combined 58% of small business owners say they're struggling with economic conditions, inflation, and other money-related issues. That's a lot of stress to handle while trying to grow a company. Let's break down the biggest financial challenges entrepreneurs face today: Cash Flow Management. Money coming in doesn't always match money going out. And the impact can be brutal — 45% of small business owners have skipped their own paychecks because of cash flow problems. When customers pay late or unexpected costs pop up, it's hard to cover basics like payroll and inventory. Budgeting Shortcomings. A good budget works like a GPS for your money. But many business owners wing it without one. This can lead to spending too much in some areas while neglecting others that could help the business grow. Access to Capital. Getting money to grow isn't easy. 54% of small business owners had to use their personal savings to start their companies, and another 12% borrowed from friends and family. When you're maxed out on personal resources, it's tough to fund important things like marketing or new product development. Inadequate Financial Forecasting. Looking ahead financially feels a bit like trying to predict the weather — you might get it right, but there's always uncertainty. Many entrepreneurs struggle with this, which can mean missing out on opportunities or being caught off guard by problems. Tax Considerations. Taxes are complicated, and they're even trickier for business owners. You might be paying too much because you don't know about all the deductions available for small businesses. Or maybe you're worried about not setting aside enough for tax time. These challenges can feel overwhelming, especially when you're dealing with them... --- - Published: 2025-01-30 - Modified: 2025-09-15 - URL: https://finny.com/blog/the-true-value-of-a-financial-advisor-what-the-data-actually-shows/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Money decisions are tough — and the numbers show why getting help matters. With 272,000 financial advisors in the US, more people are turning to professionals to manage their wealth. And the data backs up this choice. The impact? Working with a financial advisor doesn't just affect your bank account. Research shows that 87% of clients working with certified financial planners feel financially secure. That's a big difference compared to those going it alone. Financial advisors maybe becoming more important than ever — and the industry is growing fast. The market is expected to reach $135. 6 billion by 2031. This growth makes sense when you look at the results: clients who work with advisors build more wealth than those managing investments by themselves. This matters for everyone facing big money decisions — tech professionals nearing retirement, parents saving for children's education, or anyone going through major life changes. And with about 200,000 small businesses changing hands each year, many Americans need solid financial guidance. But what exactly makes financial advisors worth the investment? This article breaks down the real data behind their impact — and shows you how to make sure you're getting the most value from financial advice. Understanding Financial Advisors When it comes to managing your money, a financial advisor can be a big help. Think of them as money coaches who guide you through important financial decisions — from investing to saving and long-term planning. Types of Financial Advisors The difference between advisor types really comes down to who they work for. Fiduciary financial advisors work directly for you. They're legally required to put your interests first, and they often work as Registered Investment Advisors (RIAs). That's a good thing when you're trusting someone with your financial future. But not all advisors are fiduciaries. Non-fiduciary advisors might give you solid advice, but they don't have the same legal obligation to prioritize your interests. That's something to keep in mind when you're choosing who to work with. How Financial Advisors Get Paid The way your advisor makes money can affect the advice you get. Here's what you need to know: Fee-Only Planners: You're their only source of income. They charge you directly for their services, which means they don't get paid extra for recommending specific investments. That can make their advice more objective. Fee-Based Planners: They mix it up — charging you fees while also getting paid commissions for certain financial products. This can work well, but you'll want to ask questions about how they make their money. Commission-Based Planners: These advisors make their money from selling financial products. While many are skilled professionals, it's worth knowing that their income depends on what they sell. Knowing these differences matters. When you're looking for an advisor, asking about their payment... --- - Published: 2025-01-28 - Modified: 2025-09-15 - URL: https://finny.com/blog/10-financial-planning-tips-for-small-business-owners/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Managing your business finances right now? It's a lot to handle. With 43% of small business owners feeling the pressure of rising costs and 41% dealing with inflation impacts, you might be wondering how to keep everything organized and running smoothly. Small business financial management can feel like spinning plates — keeping track of expenses, managing cash flow, and making sure there's enough money for growth. And when 31% of businesses are focused on finding new customers in this economic climate, having a good financial system becomes even more important. This guide looks at practical approaches to business financial management: separating your personal and business finances (which can save you time during tax season), creating budgets that work in the real world, monitoring your cash flow, considering different financial management tools, and much more. So, let’s dive in.   1. Separate Personal and Business Finances Keeping your personal and business money separate might seem like a hassle, but it's actually pretty common — 96% of small business owners already have dedicated business accounts. And while you might think one bank account is enough, 39% of business owners actually use two different banks for their business needs. Mixing personal and business expenses can make tax season really stressful, and it's tough to know exactly how your business is doing when everything's jumbled together. Most successful businesses are moving toward separate credit cards too — 71% of small businesses use dedicated business credit cards for their expenses. Setting up separate accounts is a good first step. Look for banks that work with small businesses and offer services that make sense for your size — you probably don't need all the fancy features that come with big corporate accounts, but you do want good online banking and maybe integration with your accounting software. Getting a business credit card can make expense tracking so much easier, and it helps build up your company's credit history too. Having clear financial boundaries helps protect your personal assets and makes it easier to see how your business is actually performing. And when tax time comes around, you'll be really glad you kept everything organized and separate. 2. Create a Comprehensive Business Budget Let's start with what you can expect to make. Sure, looking at last year's numbers is helpful, but remember that markets change and customers' needs shift too. A good approach is to keep your revenue estimates a bit conservative, and then you can adjust them as you go along. Your expenses will usually fall into two main groups. Fixed costs are the ones that stay pretty much the same each month — think rent, payroll, and utilities. These are easier to plan for because they don't change much. Then you've got variable costs that go... --- - Published: 2025-01-27 - Modified: 2025-09-15 - URL: https://finny.com/blog/maximizing-wealth-11-tax-planning-strategies-for-high-income-earners/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes.  When you're earning over $200,000 annually — which is generally considered high income — tax planning becomes crucial for preserving your wealth. And if you're in the top 0. 1% of earners making $3. 3 million or more, it’s highly likely that you are paying an average tax rate of 33. 5%, meaning that over a third of your income goes to taxes.   We understand that managing taxes requires careful consideration, and the rules can feel overwhelming, especially when they keep changing. But here’s some good news, you are about to read this comprehensive guide, that'll walk you through 11 actionable strategies that can help you keep more of what you earn while staying fully compliant with tax regulations. Understanding High-Income Earners’ Tax Landscape Tax season is about to begin, so let's look at the actual numbers. In 2024 single taxpayers earning over $609,350 face a 37% tax rate, while married couples filing jointly hit this rate at $731,200. And these numbers will change again in 2025, with the top rate applying to singles earning $626,350 or more and married couples at $751,600. The tax brackets create a layered system where different portions of your income are taxed at increasing rates. For example, in 2024, income between $243,725 and $609,350 for single filers is taxed at 35%, while earnings between $191,950 and $243,725 are taxed at 32%. This progressive structure means that being strategic about your tax planning becomes incredibly important as your income rises, because even small adjustments in how you manage your money can lead to meaningful tax savings. 1. Maximize Retirement Contributions When it comes to reducing your taxable income, retirement contributions can be a powerful tool, and we know keeping track of all the limits and rules can feel overwhelming. The good news? You have several options available in 2024, each with specific contribution limits that can help you save on taxes while building your retirement nest egg. Let's start with 401(k)s: You can contribute up to $23,000 if you're under 50, and if you're 50 or older, you get an extra catch-up contribution that brings your total to $30,500. Learning how to manage your 401(k) effectively makes a real difference in your long-term savings potential. For IRAs, the limits are $7,000 for those under 50 and $8,000 for those 50 and above. And here's something interesting: high-income households tend to contribute about 8% of their pay — around $10,000 annually to their retirement accounts. You'll want to consider both traditional and Roth IRA options carefully. With traditional IRAs, your contributions might reduce your current taxable income, but you'll pay taxes when you withdraw the money in retirement. Roth IRAs work differently — you contribute after-tax dollars now, but qualified withdrawals in retirement are tax-free. Your retirement strategy should also... --- - Published: 2025-01-23 - Modified: 2025-09-15 - URL: https://finny.com/blog/when-do-you-need-a-financial-advisor-7-clear-signs-to-watch-for/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Money decisions can feel overwhelming — and you're not alone in this. A good financial advisor can make a real difference in your financial life, but finding the right time to bring one in isn't always clear. And here's something interesting: while 27% of Americans work with financial advisors, many others are probably missing out on professional guidance when they need it most. That's because money situations can get complex really fast, and sometimes we don't see the signs that we could use some help. Financial advisors do more than just manage investments. They're professionals who look at your whole financial picture — from saving for retirement to managing taxes, and making sure your money works as hard as you do. And with new technology changing how we handle money, advisors are bringing in smart tools to give you even better guidance. So if you've been wondering whether it's time to get professional financial help, you're in the right place. This article breaks down 7 clear signs that tell you it might be time to talk to a financial advisor. We'll help you figure out if you're ready for that step, what kind of help you might need, and how to know if the timing is right. Understanding Financial Advisors Money can feel complicated sometimes, but that's why financial advisors are here to help. These professionals do more than give advice — they're partners in your financial journey who bring real expertise to the table. And the field is growing fast: 223,770 CERTIFIED FINANCIAL PLANNER™ professionals worldwide are working to help people like you make better money decisions. Different Types of Financial Advisors (and What They Actually Do) So you might be wondering what kind of advisor would work best for you. Well, there are a few different types, and each has their own specialty: Certified Financial Planners (CFP®) are probably the most well-known — and there's a good reason for that. They look at your whole financial picture, from budgeting to retirement planning, and even estate planning. Right now, there are 103,093 CFP® professionals in the U. S. , and they've gone through some pretty rigorous training to earn those credentials. Registered Investment Advisors (RIAs) focus more on the investment side of things and are great at creating investment strategies that match your goals. With wealth management assets expected to reach $102. 70 trillion by 2025, these professionals are managing some serious responsibility. Why "Fiduciary" Should Matter to You Here's something really important that a lot of people don't know about: the fiduciary standard. It might sound like a complicated term, but it's actually pretty simple — and it matters a lot. When an advisor is a fiduciary, they're legally required to put your interests first. Always. No exceptions.... --- - Published: 2025-01-13 - Modified: 2025-09-15 - URL: https://finny.com/blog/navigating-unemployment-10-steps-to-take-after-a-job-loss/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Losing a job is tough — and you're not alone. Right now, 3. 4 million Americans are going through the same challenges. The impact goes beyond just finances, touching everything from daily expenses to long-term planning. Financial stress during unemployment is real. But with the right approach, you can take control of your situation. And timing matters: starting to plan early makes a big difference in how well you handle this transition. The job market is active, with around 50% of U. S. workers across several industries planning to look for new positions. Some changes come by choice, others don't. A recent report shows 1% of employed people faced layoffs or discharge in October 2024. What makes this situation challenging? Several things: Managing expenses becomes more complex when income stops. You need to make quick decisions about what's essential and what can wait. Your financial habits need to shift. The strategies that worked with a steady paycheck might not fit your current situation. The emotional impact affects your decision-making. Good financial choices need clear thinking, even when stress levels are high. The good news? There are specific steps you can take right now. We've created a practical guide to help you handle both immediate needs and long-term planning. These aren't just general tips — they're actionable steps based on real situations and proven solutions. Let's look at 10 specific steps you can take to protect your finances and set yourself up for success during this transition. 1. Assessing Your Current Financial Situation Getting a clear picture of your finances after job loss helps you take control. Most people find this step challenging — but it's worth the effort. Let's break this down into manageable steps. Start with what's available right now.  Look at your bank accounts, investments, and any money you can access quickly. A good target for emergency savings is $33,000 for a typical U. S. household. But don't worry if you're not there yet. What matters is working with what you have. Your monthly expenses come next.  Take a look at your regular bills — rent or mortgage, utilities, insurance. Then check your credit card and loan payments. These numbers help you create a realistic plan. Keep track of everything you spend money on.  Even small purchases add up. Many people are surprised to find they spend $100 or more each month on subscription services they rarely use. Your assets matter too.  Write down everything you own that has value. This might include: Money in checking and savings accounts Investment accounts you can access Emergency funds Any other savings If you're thinking about moving during this time, consider the financial changes that come with moving. Moving costs can add up fast, from security deposits to utility setup fees. 2.... --- - Published: 2025-01-13 - Modified: 2025-09-15 - URL: https://finny.com/blog/secure-your-future-retirement-planning-tips-for-medical-professionals/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Being a doctor comes with significant financial responsibilities — and retirement planning needs special attention. Many medical professionals find themselves caught between paying off substantial debt and saving for the future. But with the right approach, you can build a secure financial foundation. Let’s get right into it. Why Do Physicians Need Retirement Planning? The path to becoming a doctor is financially demanding. Medical school costs have risen by over $1,000 per year in the last two decades, creating a challenging start for many physicians. And the numbers tell a sobering story: 73% of medical school graduates carry educational debt, with the average four-year medical school debt hitting $235,000. This debt has a real impact. Medical professionals often spend between 10 and 30 years paying off their loans, with most paying more than $300,000 over the life of their loans due to interest charges. These numbers don't include undergraduate loans. Running a medical practice brings its own financial challenges.  92% of medical groups saw their operating expenses increase in 2024 compared to 2023. And according to the American Medical Group Association, the average medical group lost $250,000 in 2023 due to healthcare staff shortages. With all that in mind, if you are or someone you care about is a physician, there’s nothing wrong with starting planning early.   Benefits of Early Retirement Planning Starting retirement planning early makes a big difference — even small contributions add up significantly over time through compound interest. Medical professionals who begin saving during residency, despite lower salaries, often end up with stronger financial positions. A well-structured 401(k) can be a powerful tool for building retirement savings. Many healthcare organizations offer matching contributions. And just like tech professionals managing their 401(k)s, physicians can benefit from understanding contribution limits and investment options. Smart investment diversification goes beyond traditional stocks and bonds. Some medical professionals are looking at alternative investments, including carefully selected cryptocurrency positions, as part of their broader retirement strategy. Understanding Your Retirement Needs as a Physician Let's talk about what retirement really means for physicians. If you're like 70% of doctors in the US, you're probably thinking about wrapping up your practice by your mid to late 60s. But nearly 1 in 5 physicians don't feel ready for retirement. That's a gap we need to address. Planning for retirement as a physician takes more than basic calculations. You'll need to think about what you want your life to look like after you step back from practice. Some doctors dream about traveling the world, while others plan to keep their hand in medicine through part-time consulting. And that's great — but each path needs different financial preparation. When it comes to planning your retirement, you'll need to consider both lifestyle goals and healthcare costs. Many physicians aim to maintain their current standard of living,... --- - Published: 2025-01-13 - Modified: 2025-09-15 - URL: https://finny.com/blog/financial-planning-for-single-parents-securing-your-familys-future/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. In 2023, there were over 15 million children living with a single mother and about 3. 05 million children living with a single father. You might have a full-time job and still feel anxious about each month’s paycheck, especially when childcare, education, and healthcare costs keep adding up.   And if you’re a single mother, that must be tough—many single mothers are both caregivers and their families’ primary breadwinners, with about 75% working and many working full-time, while 40. 5% of all mothers raising children under 18 hold the primary or sole financial responsibility for their family.   Single mothers often face a lower median annual income—about $17,000 less than single fathers—so even basic expenses can feel hard to manage. Without a firm financial plan, it’s easy to feel unsettled when juggling work schedules, worrying about stable income, and trying to cover unexpected bills. But focusing on financial literacy can help. Being more informed about saving, planning ahead, and choosing effective investment strategies makes it simpler to set targets and track your progress. And as you become more aware of new resources and digital tools, you can apply these ideas in ways that support real stability for your family’s future. In this guide, we’ll talk about practical ways to organize your budget, prioritize daily spending, create an emergency fund, handle debt more effectively, and plan for the years ahead. And when you reach the end, you’ll see how these steps—supported by straightforward technology—can help you feel more at ease about your family’s financial security. Keep reading. Understanding Financial Responsibilities as a Single Parent When you’re a single parent, handling money is often tough. You might be depending on part-time pay or juggling side jobs. And not knowing how much you’ll earn each month can feel unsettling. If you’re a single mother, that must be even more challenging—single mothers often carry a heavier financial burden than most people, so even a little shift in expenses can strain the budget. And everyday costs tend to add up when you’re on your own. Housing, groceries, and transportation often take a good portion of your monthly income. But then you might have higher childcare bills or bigger education expenses, too. And if you need to move for work or better opportunities, the financial changes that come with moving can shake up your entire spending plan. It might mean higher rent, different utility costs, or extra travel time that leads to more gas spending. If you want to keep a steady balance, it helps to know what’s most important. For most single parents, the must-pay items are straightforward: Housing Costs: Rent or mortgage payments often come first, and knowing how a move affects your finances can help you prepare for changes in monthly bills. Childcare Expenses: Quality care can... --- - Published: 2025-01-06 - Modified: 2025-09-15 - URL: https://finny.com/blog/11-tips-on-how-to-create-a-financial-plan-for-freelancers-and-gig-workers/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Did you know that 33% of Americans are making money through freelancing or contracting work right now? And it's going to get even bigger — 86. 5 million people will be freelancing in the U. S. by 2027, making up more than half of the workforce. You're probably thinking about money right about now. And you should be! While working for yourself is pretty great, it comes with its own set of financial challenges. You don't get those nice employer perks like regular paychecks, health insurance, or retirement plans. That's why having a good financial plan is really important. But don't worry — you can turn that unpredictable freelance income into something more stable. And we're here to help you do just that. Whether you're writing, consulting, driving for rideshare companies, or doing any other kind of independent work, we'll show you how to get your finances in order. Financial Planning for Freelancers - The Basics  When you work for yourself, you get to be your own boss. But it also means you're in charge of everything. You've got to handle income that changes from month to month, plus take care of things like healthcare and saving for retirement on your own. That's where financial planning comes in. It gives you a way to manage your cash flow, save up for what you want to do later, and make sure you're covered if something unexpected happens. And of all people freelancers must be the ones who plan ahead first, because, in many cases, they have no one else to rely on. Now that you know why financial planning is important if you’re a gig worker, let’s dive into practical strategies you can use to create a solid future.   1. Check Where You Stand First, let's assess your current financial situation. While freelancers face unique challenges with planning and project uncertainty, 36% wouldn't switch to traditional employment. This suggests that with proper financial management, freelancing can be sustainable. Start by looking at your income from the past year. Since freelance earnings fluctuate, calculating your monthly average gives you a clearer picture. For example, if you earned $60,000 last year, your monthly average would be $5,000. Next, examine your spending. Make a list of your essential expenses like rent and groceries, and your discretionary spending like entertainment and subscriptions. This breakdown helps identify areas where you might need to adjust your spending. Take stock of your savings and any debt. Review your credit card balances, emergency fund, and progress toward other financial goals. Understanding these elements helps create a plan that fits your freelance lifestyle. 2. Start Tracking Your Income and Expenses Good tracking does more than keep you organized — it's your ticket to paying less in taxes. By keeping... --- - Published: 2025-01-06 - Modified: 2025-09-15 - URL: https://finny.com/blog/starting-strong-financial-tips-for-graduates-entering-the-workforce/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. The transition from college to career brings both excitement and financial responsibilities. And right now, many new graduates are feeling the weight of those responsibilities more than ever. According to recent data, 60% of 2024 graduates feel somewhat or very pessimistic about their economic future—a significant jump from 46% just last year. But here's something interesting: While 56% of Americans think college costs have gotten out of control, many still see higher education as key to success. In fact, 65% consider a successful career part of the American dream. Let's talk about how to turn that dream into reality with smart money moves right from the start. 1. Create a Budget Money management becomes much more real when you're handling your first full-time paycheck. A good budget is your foundation for financial success, and there's a reason for that. According to research, students with high debt levels often struggle with financial literacy, making budgeting skills more important than ever. Here's how to set up a budget that actually works: Start with the 50/30/20 rule: 50% for needs (housing, groceries, bills) 30% for wants (entertainment, dining out) 20% for savings and debt repayment When setting your budget, keep this in mind: The average starting salary for 2023 graduates was $55,911. But many students expect much more—about $72,580 on average. It's good to be realistic when planning your budget around your actual income.   Pro tip: consider choosing a different place to live. Some of the most affordable cities in the US are Springfield, IL or Green Bay, WI.  Housing, groceries, goods and services (clothing, entertainment, etc. ) are prices less in those cities (e. g. , in Green Bay groceries are 15% cheaper compared to national average). Saving on basic expenses would allow one to save way more for the future. 2. Build an Emergency Fund Having money set aside for emergencies isn't just good advice—it's essential. Recent data shows why: 27% of Americans have no emergency savings at all. For Gen Z (ages 18-27), that number is 29%. Here's how to build your emergency fund: Start with a goal of one month's expenses Work up to 3-6 months over time Set up automatic transfers on payday Keep this money in a separate savings account Start small if you need to—even $25 per paycheck adds up Any emergency fund is better than none. The goal is to avoid going into debt when unexpected expenses come up. 3. Prepare for Taxes Getting your tax strategy right from your first paycheck makes a real difference in your financial health. As a new graduate, the tax system might seem complicated, but taking a few key steps early on can save you stress and money later. Start by carefully reviewing your W-4 form - this is what determines... --- - Published: 2025-01-06 - Modified: 2025-09-15 - URL: https://finny.com/blog/how-to-save-for-your-childs-education-9-tips-to-help-you-get-it-right/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. College tuition has gone up by 141% in just the last 20 years. And in 2024, a year at a public college costs 40 times more than it did in 1963. But don't worry — you've got time on your side. With careful planning, you may be able to support your child's education while managing your personal finances. Let's walk through some practical ways to make it happen. 1. Create a Separate Education Savings Account One of the most important things you can do is set up a dedicated account for your child's education. Think of it as drawing a line around your savings — it helps you resist using that money for other things. According to recent research, 62% of families use their current income to pay for college, while 35% tap into college savings funds. But having dedicated savings gives you more options when it's time to pay those tuition bills. Here are your main choices: 529 Plans 529 plans are designed specifically for education savings and may offer tax advantages when used for qualified education expenses, subject to specific rules and limitations. The money may grow tax-free, provided it is used for qualified education expenses subject to specific regulations and conditions. What counts as qualified? Here's what you can spend it on: College tuition and fees K-12 tuition (up to $10,000 per year) Student loan payments (up to $10,000) Apprenticeship costs Campus housing Meal plans Books and supplies And here's something new: starting in 2024, you can transfer up to $35,000 from a 529 plan to a Roth IRA for your child (subject to certain limits and regulations). This gives you more flexibility if your child decides not to go to college. Custodial Accounts These accounts let you save money in your child's name, and you can use the funds for anything that benefits them — not just education. High-Yield Savings Accounts These work well if you want easy access to your money and don't mind missing out on some tax benefits. You can use the money however you want, whenever you want. Roth IRAs You might be able to access your contributions without additional penalties, and unused funds could potentially be repurposed for retirement needs, subject to individual circumstances and tax laws. 2. Start Small, but Start Now When it comes to saving, the hardest part is getting started. But here's a little secret: starting with $50 a month today is better than waiting until you can afford more. Why? Because time is your biggest advantage. According to Fidelity's research, parents who start early end up way ahead - that same $50 monthly contribution turns into $16,600 over 18 years, versus just $7,550 if you wait 10 years to start. And while 93% of parents worry about rising college costs,... --- - Published: 2025-01-06 - Modified: 2025-09-15 - URL: https://finny.com/blog/financial-planning-strategies-for-women-entrepreneurs-to-build-a-thriving-business/ - Categories: Uncategorized Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed professional for personalized guidance. The information provided is general and does not account for individual circumstances. FinFinancial LLC does not endorse specific financial strategies or outcomes. Women are making their mark in the business world like never before. According to the 2024 Wells Fargo Impact Report, women own 39. 1% of all U. S. businesses — that's over 14 million companies generating $2. 7 trillion in revenue and employing 12. 2 million workers. The momentum is building. In 2023, women made up 49% of new business owners, compared to just 29% in 2019. That's a significant shift in just four years. But there's more to the story. While women lead in business creation, they face unique obstacles when it comes to securing funding. The same report found that only 3% of women entrepreneurs received private capital investment in 2023, compared to 9% of male business owners. Traditional lenders also tend to favor male-owned businesses. That's why having solid financial strategies is so important. Let's look at practical ways women entrepreneurs can build lasting success. 1. Establish Realistic Financial Goals Clear financial goals are the foundation of every successful business. They give you direction and help you measure progress. Here's how to set goals that work: Make your goals specific and measurable. Instead of "increase revenue," aim for "boost monthly sales by 15% in six months. " That way, you know exactly what you're working toward. Break down your goals into three categories: Short-term (3-12 months): Like improving your cash flow or building an emergency fund Mid-term (1-3 years): Such as expanding to a new location or launching new products Long-term (3+ years): Including major growth targets or possible exit strategies Track your progress regularly. Set up monthly check-ins to review your numbers and adjust your plans. This helps you stay on track and make changes when needed. Remember that goals can change as your business grows. What matters is having a clear target to work toward and a way to measure your progress. 2. Create and Stick to a Budget A well-planned budget could potentially assist in making business decisions. And you'll want that clarity when managing your finances. Here's how to build a budget that actually works: Know Your Numbers First Start by tracking all your income sources. This means your main business revenue, but also any consulting work or other income streams you're using to fund your business. Write down everything, even small amounts — they add up. Map Out Your Expenses Split your costs into two main groups: Fixed costs: These stay the same each month (rent, salaries, loan payments) Variable costs: These change based on your business activity (materials, marketing, seasonal inventory) A really helpful tip: Look at your last three months of expenses. You'll probably find some costs you've forgotten about. Plan for Profit Some entrepreneurs might use the Profit First method, which involves setting aside a percentage... --- - Published: 2024-12-30 - Modified: 2025-09-15 - URL: https://finny.com/blog/how-to-drive-organic-growth-insights-from-finny/ - Categories: Uncategorized Organic growth isn’t easy. Whether prospecting, chasing referrals or standing out, success takes strategy. That’s why Eden Ovadia, CEO of FINNY, joined WisdomTree’s Office Hours to share actionable insights on driving growth, leveraging technology and avoiding pitfalls. Here’s what she had to say about how advisors like you can win in 2025. Growth: The Good, the Bad and the Reality Eden opened with a look at industry growth trends. On the surface, 2023’s 18. 2% average AUM growth looks strong.  But here’s the catch: over half of that came from market performance, not new clients. Strip that away, and growth from net new clients was closer to 7%. 1 Even more striking? Over 62% of firms grew by less than 5%, while a smaller group achieved growth rates of 20% or more. 1 These standout firms didn’t just get lucky—they used targeted strategies and innovative tools to differentiate themselves. The takeaway? Organic growth is possible, but it won’t happen without a plan—and the right tools. Key Strategies to Win at Organic Growth 1. Differentiation Is Essential Standing out in a crowded market is essential. A unique value proposition and strong online presence help prospects see why they should choose you. Eden explained, “A clear value proposition doesn’t just help with cold outreach; it’s critical for every growth channel, including referrals. ” Without meaningful online information, even referred prospects might pass you over. Make sure your brand is compelling and easy to find. 2.  Invest in Marketing Marketing isn’t just an expense—it’s an investment. Firms spending 3% or more of revenue on marketing—compared to the 1. 5% industry average—often see double the growth. 1 Eden noted, “It’s not just about volume; it’s about building meaningful connections and standing out in a crowded market. ” Align your marketing efforts with your value proposition and client needs to expand your reach, build trust and create lasting connections that fuel long-term success. 3.  Focus on Affluent ClientsClients with $500,000 to $1 million in assets often strike the right balance between growth potential and service costs. Eden explained, “These clients present an efficient growth opportunity, especially if you can deliver value during the onboarding phase. ” They require less ongoing service than ultra-high-net-worth clients, making them a profitable segment to target. Avoiding Common Pitfalls While identifying strategies for success, Eden also outlined critical missteps that advisors should avoid: Being undifferentiated: Generic advisors rarely thrive. Build a personal brand that resonates with your target clients. Chasing bigger clients: Ultra-high-net-worth clients may seem appealing but often result in slower growth, higher servicing costs and lower margins. Relying solely on referrals: While referrals remain powerful, they can’t be your only strategy. Diversify your client acquisition efforts to stay competitive. How AI Can Help You Grow Smarter If you’re overwhelmed by the day-to-day grind of prospecting, FINNY might be the solution you need. This AI-powered platform streamlines client acquisition by identifying high-potential leads, enriching data and automating outreach. It handles everything up to the first meeting, freeing you to focus on... --- - Published: 2024-12-11 - Modified: 2025-09-15 - URL: https://finny.com/blog/finny-raises-4-3m-in-seed-funding-to-build-the-ai-agent-helping-financial-advisors-grow/ - Categories: Uncategorized Female-Founded Startup Poised to Disrupt $100T Wealth Management Industry In 2023, I was headhunted by one of the largest financial advisory firms in the US for a role as their Chief of Staff. During the recruiting process, it became clear that they actually wanted to hire me to solve their organic growth problem: something I was intimately familiar with from my time at Boston Consulting Group, where I worked with large financial institutions to build out their growth strategy.   For most financial advisors, expansion of their client base is an existential issue, and the LTV of bringing on a single client is immense. But because there are no prospecting tools built specifically for the space, advisors are forced to use generalist platforms like LinkedIn, Pitchbook and ZoomInfo to build long and noisy prospect lists. On average, they spend nearly 60 hours on cold outreach before converting a single client.   What’s more, the space itself is in the midst of a profound demographic and cultural shift. Over the next 20 years, an estimated $80 trillion will be transferred from the Baby Boomer and Silent Generation to Millenials and Gen Z, many of whom do not want to use the same financial advisor as their parents. Simultaneously, approximately 45,000 financial advisors managing $3 trillion in assets are nearing retirement, resulting in a massive amount of wealth that will soon change hands.   I had stumbled onto the type of green field opportunity that is increasingly rare: an industry with very little technological innovation on the cusp of some seismic generational changes. The door was wide open for someone to come in and be part of a new paradigm. So instead of accepting their offer, I decided to go out and solve this problem myself, not just for one firm but for many.   The early days of FINNY  Within two months, I had left my job to start working on a new company. I immediately decided to get in touch with Victoria Toli, a friend who was active in the New York startup community. Victoria and I had been connected a few years prior by a mutual friend who was struck by our shared background in AI engineering and our ambition to start our own companies. On our first meeting, we connected instantly over our experiences as one of the few women in our engineering programs at McGill and Stanford and our love of solving hard problems.   It had always been a dream of mine to start a company with a female co-founder, and the idea of tackling such a big problem in such an archaic industry together was thrilling. At the time, Victoria was working as a product manager at Uber, leading growth and international expansion for Uber's subscription product, Uber One. Having seen how Uber optimized everything down to the tiniest detail, she was surprised to find out how obsolete the tools available to financial advisors were and had the same reaction as me immediately. With her... --- - Published: 2024-12-10 - Modified: 2025-09-15 - URL: https://finny.com/blog/ten-to-watch-in-2025-eden-ovadia/ - Categories: Uncategorized Serial tech startup founder Uri Levine famously advised entrepreneurs to “fall in love with the problem, not the solution. ” Most advisors, however, would love a solution to the problem that Eden Ovadia and her team at FINNY AI admit they are obsessing over: organic growth for RIAs. FINNY’s mission is to automate lead identification, prioritize prospects, and schedule meetings to improve how advisors find and communicate with likely clients, reducing a financial advisor’s workload while increasing growth rates. “Organic growth for the advisor felt like a hard problem to solve,” she said, making it an appealing challenge to her engineer’s mind. “Literally, my favorite part of the week is Sunday morning when just the three of us founders get together and plan and problem-solve on the whiteboard,” she said in response to the question of whether she has any hobbies. Ovadia comes from a family of engineers and seeks out the tough problems.  “I taught myself how to code when I was 14—it felt like it was a hard thing to do, something people didn’t think I could do,” she said. As a senior in high school, she joined the physics team—despite not liking physics—and went on to be elected the team’s captain. She attended McGill University, where she studied software engineering and launched the school’s Women in Tech Chapter. She was working for Boston Consulting Group on a project for a large RIA when she saw the problem most firms have with client prospecting and lead conversion. Frankly, she saw the same issue from the other side of the desk as a potential client. “As a 25-year-old woman, I was looking for an advisor myself and was matched with several men I had nothing in common with,” she said. It was clear the advisor search tool she was using (but declined to name) was looking only at location and net worth to make a match. She ultimately found her advisor through the age-old word-of-mouth method of referrals. “You want to actually like the person you are going to work with,” Ovadia said. In a perfect world, clients and advisors would have some things in common, too. The availability of open-source code to customize large language models and access to massive datasets containing information on hundreds of millions of individuals has helped the FINNY team refine what they call an ‘F-Score,’ or prioritization score. This score is unique to each lead and advisor pairing and reflects the likelihood of a prospect converting to an individual advisor. Ovadia said the team sees F-Score accuracy improving as more data, prospects, and advisors are fed into FINNY’s large language model and algorithms. Launched in February, the company has a few clients on board and revenue coming in. Its three founders participated in the prestigious Y Combinator startup incubator, and FINNY clinched the top prize at Morningstar’s annual fintech competition this year—Morningstar CEO Kunal Kapoor himself invested in the startup. Ovadia said she thinks younger generations will be much less reliant on personal referrals, prefer to search on their own, and expect technology to help them find their match, as is the case in the dating world today. “No matter whose numbers you use, a very high percentage of heirs in... --- - Published: 2024-11-25 - Modified: 2025-09-15 - URL: https://finny.com/blog/a-guide-to-diversifying-your-crypto-portfolio-with-alternative-investments/ - Categories: Uncategorized Learn how to diversify your crypto portfolio with stablecoins, DeFi, NFTs, and more. Manage risk by using FINNY to connect with a financial advisor. Disclaimer: This blog is for informational purposes only and does not constitute financial or investment advice. Always consult with a financial professional before making investment decisions. Investing in cryptocurrency can feel like a tricky balancing act. One moment, you’re riding high on gains; the next, you’re bracing for a crash.   That’s why diversification is a critical strategy for any crypto investor. It spreads your risk across multiple assets, reducing the chances of losing it all if one investment tanks. In this guide, we’ll walk you through the basics of diversification, explain how to build a balanced crypto portfolio and share practical tips to help you navigate this volatile market. What is Diversification in Crypto Investing? Diversification is a strategy that involves spreading your investments across different types of assets to reduce risk. This might mean buying stocks, bonds, and mutual funds in the traditional stock market.   In the crypto world, it may mean holding a mix of coins, tokens, and even blockchain-related investments. Why Is Diversification Important? Crypto markets are notoriously volatile.   Prices can swing wildly based on everything from Elon Musk’s tweets to global regulations. By diversifying your portfolio, you could potentially: Protect yourself from losing everything if one asset plummets. Increase your chances of benefiting from different sectors of the blockchain industry. A Quick Example Imagine investing only in one cryptocurrency, like Bitcoin.   While BTC has shown remarkable growth over the years, its price is still subject to steep declines. If your entire portfolio is tied to Bitcoin, you’re vulnerable to its volatility.   Now, picture a portfolio where you’ve also invested in Ethereum, stablecoins, and DeFi tokens. This way, if Bitcoin dips, other assets could stabilize or even rise, balancing your overall performance. Benefits of Diversifying Your Crypto Portfolio 1. Minimized Risk Spreading your investments reduces the impact of a single asset’s poor performance. For instance, when Terra’s stablecoin UST collapsed in 2022, investors with diversified portfolios weren’t hit as hard as those heavily invested in UST. 2. Access to Different Growth Opportunities Blockchain technology spans multiple sectors, from decentralized finance (DeFi) to gaming and supply chain solutions. Diversification allows you to tap into these emerging opportunities. 3. Protection Against Market Fluctuations Different crypto assets respond differently to market conditions. Stablecoins like USDC remain pegged to the dollar, offering stability during market downturns, while altcoins might experience growth during bull runs. Alternative Investment Options You Can Consider to Diversify Your Crypto Portfolio When it comes to alternative investments, the goal is to identify assets that offer growth potential while complementing the strengths and weaknesses of your existing holdings.   Below are several promising categories of alternative crypto investments. Stablecoins Stablecoins are cryptocurrencies tied to the value of a fiat currency, like the U. S. dollar.   They offer stability in a volatile market, making them a potentially good option... --- - Published: 2024-11-25 - Modified: 2025-09-15 - URL: https://finny.com/blog/financial-and-tax-management-for-medical-practices-9-money-tips-to-thrive/ - Categories: Uncategorized Learn how to develop a robust financial and tax management strategy to save money and time if you’re in the medical practice.   Managing a thriving medical practice business is no small feat.   Sure, your primary goal is providing exceptional care to your patients. However, you can’t ignore the financial side of running your practice. In fact, the financial stability of your practice plays a direct role in how effectively you can serve your patients. A recent Medical Group Management Association (MGMA) survey found that nearly 60% of small healthcare practices in the U. S. struggle to maintain consistent cash flow and control costs. This highlights how crucial it is to implement smart business financial management strategies for medical practice owners. And the best part is, developing the right strategies can save you money and stress. That said, here are nine financial and tax management tips for medical practices to help you make more profits and comply with authorities. 1. Never Mix Business and Personal Finances  Blurring the line between personal and business finances is a mistake many medical professionals make early in their careers. Mixing personal and business finances might seem convenient at first, but it creates a bookkeeping nightmare and can even trigger red flags during an IRS audit. The solution?   Set up a dedicated business bank account and credit card for your practice. This way, you can track your income and expenses without accidentally mixing in personal purchases.   Separating business and personal finances will save time during tax season and give you a bird’s eye view of your business’s financial standing. Most banks offer business accounts with perks tailored for small healthcare providers, including waived fees or higher credit limits. You need to check with yours.   Operating separate accounts helps protect your personal assets in case of a legal suit. 2. Get Accounting Software An outdated accounting system, or worse, none at all, can cost your practice money and time.   Hence, investing in accounting software tailored for medical practices can make a world of difference. Platforms like QuickBooks Online, FreshBooks, or Kareo allow you to automate invoicing, track expenses, and generate reports while integrating with your billing software. According to Deloitte, small businesses that adopt digital accounting systems experience a 30% reduction in operational costs due to fewer errors and increased efficiency.   For a medical practice, this means more time for patients and less time spent buried in spreadsheets. If you’re unsure where to start, consult a certified public accountant (CPA) who is familiar with healthcare. They can recommend the best tools for your needs and help set up systems that will save you money in the long term. 3. Monitor Cash Flow Like a Pro Cash flow issues are one of the leading causes of financial stress for medical practices. Even if you’re making a profit, delayed reimbursements from insurance companies or unexpected expenses can put your practice in a bind. The key is proactive cash flow management.   Schedule a monthly... --- - Published: 2024-11-25 - Modified: 2025-09-15 - URL: https://finny.com/blog/financial-changes-when-moving-what-to-expect-and-how-to-adapt/ - Categories: Uncategorized Relocating? Learn 11 key financial changes to expect—housing, taxes, healthcare, and more—plus tips to adapt to the new environment.   Disclaimer: This article provides general information and is not a substitute for professional financial advice. Consult a financial advisor for guidance tailored to your situation. Relocating to a new city or state is often an exciting chapter in life, offering opportunities for personal growth, career advancement, or a fresh start. However, moving is also a significant financial event.   From adjusting to a new cost of living to tackling moving expenses, the changes can quickly pile up, and without careful planning, they may strain your budget.   Whether you’re moving across town or the country, being aware of the financial changes ahead is the first step toward a smooth transition.   In this guide, we’ll walk through 11 major financial adjustments that come with moving, along with actionable tips to help you navigate each. 1. Housing Costs Housing is often the largest expense for most people. And moving can drastically change what you pay for rent or mortgage, property taxes, and homeowners or renters insurance.   The median home price in the U. S. in 2024 was $440,000, but that number varies widely depending on location. Some cities or states may offer more affordable housing, while others could stretch your budget significantly. If you’re buying a home, researching local property tax rates and homeowners insurance premiums is essential. For renters, be prepared for varying security deposits and potential rent hikes, especially in competitive markets.   That said, a financial advisor can help you weigh the pros and cons of renting versus buying in your new area. 2. Cost of Living The cost of living differs significantly between regions, affecting everything from groceries to transportation.   Moving from an urban area to a suburban or rural one—or vice versa—can also shift transportation expenses.   Public transportation may reduce costs in cities, while suburban areas might require a personal vehicle with associated maintenance and fuel expenses. Understanding these variations before you move allows you to adjust your budget and prioritize spending accordingly. 3. Job and Income Changes For many, moving involves career changes, which often affect income.   Salaries vary depending on the local job market, and moving to a region with lower average pay could require revisiting your financial goals.   On the other hand, higher-paying areas might offer increased earnings but come with a steeper cost of living. If your move involves a new job, review the offered benefits, such as health insurance or retirement contributions, to understand their impact on your finances.   Budgeting for potential gaps in income during the transition is also crucial to avoid falling behind on expenses. 4. Moving Expenses The cost of relocating itself can be significant. Hiring professional movers, renting trucks, or temporarily storing belongings can quickly add up. In 2023, the average cost of a professional move peaked at $420 during peak months. If you’re moving long-distance, you must also account for travel... --- - Published: 2024-11-12 - Modified: 2025-09-15 - URL: https://finny.com/blog/how-to-manage-401k-for-retiring-tech-professionals/ - Categories: Uncategorized 401(K) management for retiring tech pros is more than financial planning. Learn how to develop a solid 401(K) management plan to secure your future. Sure, a 401(k) is one of the best tools for securing your future. But only if you know how to use it right.   And if you’re a tech professional, how you handle your 401(k) might look slightly different. With high salaries, stock options, and common job-hopping, tech careers come with unique variables that can impact your 401(k) strategy. That said, let’s talk about managing your 401(k) as a tech professional. We’ll start with the basics. 401(k) for Tech Pros - A Quick Overview For starters, a 401(k) is a retirement account that lets you set aside pre-tax income, which grows tax-free until you withdraw it in retirement.   You’re only taxed on that income when you withdraw the money in retirement when you’re in a lower tax bracket Many tech companies also offer employer matching, meaning they’ll contribute to your 401(k). For example, if you contribute 5% to your 401 (k)the employer will match that, making it a 10% contribution to your retirement. Employer matching often comes with vesting schedules, meaning you may need to stay with the company for a certain period to keep the matched funds.   So, check your plan details to understand what’s required and aim to contribute enough to take full advantage of the “free money” from your employer. How to Maximize Employer Matching Speaking of matching, tech companies can be pretty generous here.   Some offer a percentage match, while others go all in with dollar-for-dollar matches up to certain limits.   Therefore, try to maximize your employer’s match. And when you think about compounding interest over the years, this “free money” can turn into thousands by the time you retire. Pro Tip: Set up automatic contributions so you never miss out. And if you’re planning to switch jobs, understand your vesting schedule so you know what you’re leaving behind High-Income Potential and Contribution Limits Tech professionals have a higher-than-average income compared to other fields. This means you can reach the 401(k) contribution limits faster. For 2024, the annual limit is $23,000, or $30,500 if you’re over 50. However, if you hit this limit early in the year, consider additional options like an after-tax 401(k) contribution, if your employer allows it, which opens doors to a “mega backdoor” Roth IRA for more tax-advantaged savings. A Roth 401(k) option lets you contribute after-tax dollars, so your withdrawals in retirement will be tax-free.   Stock Options, RSUs, and ESPPs - How to Balance Your Equity with 401(k) Contributions A big part of tech culture is stock-based compensation. Many tech pros receive stock options, Restricted Stock Units (RSUs), or Employee Stock Purchase Plans (ESPPs). These are all excellent ways to grow wealth outside your 401(k), but they also bring risk if you’re over-relying on them. For example, RSUs and ESPPs are great, but they’re directly tied to your company’s performance.   Hence... --- - Published: 2024-11-11 - Modified: 2025-09-15 - URL: https://finny.com/blog/a-beginners-guide-to-financial-management-for-small-business-owners/ - Categories: Uncategorized Learn practical tips for managing your small business finances, from budgeting to cash flow, taxes, and more in this guide. Starting a small business is exciting ... until you run into financial roadblocks. The expenses. The cash flow. The payments... there’s just so much to juggle. If left unchecked, these financial challenges can pile up fast and, before you know it, start straining your business and slowing down your growth. But here’s the good news. You don’t have to be a finance expert to manage your business finances effectively. With the right strategies, you can get a handle on your money, avoid common business finance management mistakes, and set your enterprise up for success. Let’s dive in.   1. Separate Business and Personal Finances One of the best things you can do from day one is to keep your business and personal finances separate.   Mixing the two can lead to tax complications and make tracking your business’s performance harder. Besides opening a business bank account, set up a separate personal account to make tracking expenses easier.   You can use a free tool like Wave to automatically monitor and categorize expenses and set alerts for large transactions to catch any unusual spending quickly.   Furthermore, dedicate a “reconciliation day” monthly to match your bank statements with your records. This will allow you to spot any mixed expenses that must be fixed. Surprisingly, around 25% of small business owners don’t have a dedicated business bank account, which can lead to costly errors and IRS issues. Don’t be part of this statistic. 2. Set a Realistic Budget A budget is like a roadmap—it shows where your money should go and helps prevent overspending.   The keyword here is realistic. You see, it’s easy to overestimate income or overlook certain expenses, so your budget should be something you can stick to. As Dave Ramsey says, “A budget tells your money where to go instead of wondering where it went. ” How do you create a realistic budget? Use the 50/30/20 rule to guide your budget. Here’s how it works — allocate 50% for essentials (rent, payroll), 30% for variable costs (marketing, materials), and 20% for growth or unexpected costs.   Also, review actual vs. projected spending every quarter. If you notice that marketing expenses consistently exceed the budget, adjust those expectations. Free budgeting tools like Mint or a QuickBooks setup can make it easier to monitor your spending patterns. 3. Track Cash Flow Regularly A study from the U. S. Bank found that 82% of small businesses fail due to poor cash flow management.   Cash flow is the money moving in and out of your business. Monitoring this flow helps you make better financial decisions, avoid overdrafts, and ensure you have enough cash to cover your obligations. Set a weekly “cash flow review” time to assess inflows and outflows, even if it’s just 15 minutes.   In addition, deposit a portion into cash reserves during high-earning months to help cover any gaps later. Moreover, if you notice... --- - Published: 2024-11-11 - Modified: 2025-09-15 - URL: https://finny.com/blog/how-to-maximize-your-restricted-stock-units-a-smart-investors-guide/ - Categories: Uncategorized Just received Restricted Stock Units? Learn what they are, how they’re taxed, and whether to hold or sell to make the most of this employee benefit. If you’ve just received Restricted Stock Units (RSUs), congratulations. They’re a sign that your company values you and wants you to stick around. But if you’re unsure what to do with them, you only need to read this article end-to-end We’ll walk you through everything you need to know so you can feel confident about handling this new asset. Let’s start with the basics. What Are RSUs? Restricted Stock Units are shares your company has promised to give you – but with a bit of a catch.   You don’t own the shares when they’re granted to you. They’ll become yours only after you meet certain conditions, most commonly working at the company for a specific period. However, once they vest, they’re yours to keep or sell. Think of RSUs as a “maybe-in-the-future” bonus that can turn into real shares if you stick around long enough. So What’s the Catch? Now that you know what RSUs are, the next question becomes.   Why don’t you just get the shares right away? The thing is, companies use something called a vesting schedule to encourage employees to stay. This schedule is a timeline for when each portion of your RSUs becomes yours. It’s the company’s way of saying, “Work with us long enough, and the shares will become yours. ” There are two main types of vesting: Cliff Vesting: With cliff vesting, your RSUs will vest at a specific milestone, say one or two years. For example, if you have 1,000 RSUs on a one-year cliff, you’ll receive all 1,000 shares immediately after that period lapses. Graded Vesting: This is a more gradual vesting schedule. For example, if you’re given 1,000 RSUs with a four-year graded vesting schedule, you might receive 25% each year. In other words, you’d get 250 shares yearly for four years until you have all the 1,000 RSUs. Knowing your vesting schedule is essential because it affects when you officially own the shares. Until they vest, they’re not yours, so planning around these dates is crucial. Companies generally include vesting details in your grant agreement, so be sure to read it to understand the breakdown. What to Expect at Vesting: The Taxes When your shares vest, the IRS (or local tax authority) considers that a taxable event. Here’s how RSUs are taxed: Income Tax When RSUs vest, the value of those shares is added to your income for that year. So, if your 250 shares vest when your company’s stock is worth $10 per share, that’s $2,500 in additional taxable income. This means you’ll owe taxes based on your income bracket. Withholding Taxes Most companies automatically withhold taxes on RSUs by taking out a portion of your paycheck or selling a few shares. If you receive fewer shares than expected, the company has “sold to cover” your taxes.   However, it might... --- - Published: 2024-08-12 - Modified: 2025-09-15 - URL: https://finny.com/blog/finny-and-the-great-advisortech-acceleration/ - Categories: Uncategorized Victoria Toli, one of the three co-founders of Finny, describes her startup as “Hinge for financial advisors,” drawing a parallel to the popular dating app. The comparison makes sense in a few ways. Yes, Finny helps with the age-old goal of matching advisors to likely prospects but boosts the speed and success rate with a ruthless efficiency enabled by algorithms, data and personalization. It’s at the forefront of a movement I’m calling the "Great AdvisorTech Acceleration,” meaning the rapid introduction of new tools for advisors powered by the widespread adoption of artificial intelligence, the growing availability of large datasets, and a new generation of young, innovative engineers who have mastered the art of synthesizing these elements into practical solutions. Related: Unlocking Customer 360 Through Generative AI Launched in February, Finny has already made an impact, securing revenue-generating business from real financial advisors. A participant in the prestigious Y Combinator startup incubator, Finny recently clinched the top prize at Morningstar’s annual fintech competition. Morningstar CEO Kunal Kapoor said he was impressed with what Toli and her co-founder, Eden Ovadia, have brought to the wealth management ecosystem. “Eden and Victoria are working on an innovative solution for advisors, and I’m excited to see what the future holds for this impressive team,” he said when I asked him about the startup. Related: RIAs Need to Take a Methodical Approach to Embracing AI The team raised an undisclosed pre-seed funding round in February, backed by Y Combinator and Crossbeam Venture Partners, and launched what startup types refer to as a “minimum viable product” in May. Five firms participated in a paid pilot program. The founders say within a month, the waitlist grew to 30 firms and now exceeds 70. The idea for the prospect-discovery tool was born out of Ovadia’s experience at the Boston Consulting Group, where a research project confirmed what advisors already know: The conversion rate from cold outreach was dismal. The group found a conversion rate of less than 1% after an average of 56 hours spent on data collection from platforms like LinkedIn and ZoomInfo and subsequent messaging campaigns. The Finny team believes they can automate the process by identifying and prioritizing prospects—from a universe of 270 million individuals in the datasets available—within a target niche using thousands of data points per lead, prioritized on the likelihood of converting to an individual advisor. The prioritization score (what the team calls the “F Score”) is unique to each lead and advisor pairing. In other words, a likely prospect for one advisor may not be likely at all for another, based on the advisors’ own data profile and ideal client persona. The platform even automates outreach and scheduling meetings, significantly reducing the workload for advisors. Toli, a Stanford engineering graduate who joined Finny after four years as a fellow at Kleiner Perkins and two as a growth product manager at Uber, said the key to Finny's rapid development lies in its ability to use open-source code to customize large language models. This allows the small, five-person... --- - Published: 2024-07-31 - Modified: 2025-09-15 - URL: https://finny.com/blog/the-future-of-ai-sales-tech/ - Categories: Uncategorized Why Vertical-specific Solutions Matter The recent article "Death of a Salesforce" by Andreessen Horowitz paints an exciting picture of how AI will transform sales technology. At FINNY AI, we're thrilled to see our vision aligning with many of the key predictions made in this piece. However, we believe there's a crucial aspect that deserves more attention: the need for vertical-specific AI solutions in highly regulated industries. Shared Visions The article highlights several trends that resonate strongly with FINNY's approach: a. Outcome-based pricing: Moving away from per-seat models to pricing based on actual value delivered. b. Merging of customer success, marketing, and sales: AI-driven insights will blur the lines between these traditionally siloed departments. c. AI tools that charge for closed deals: A shift towards software that directly contributes to revenue generation. These align perfectly with our mission to empower financial advisors to grow their books of business organically. The Vertical Difference While we agree with the overall direction, our experience at FINNY has revealed a significant caveat: there's a general distrust of horizontal, one-size-fits-all AI sales tools in markets with hyper-specific or highly regulated sales processes. This is particularly true in financial services. Financial advisors operate in a complex regulatory environment, with strict rules governing client interactions, data handling, and investment recommendations. A generic AI sales tool simply cannot navigate these nuances effectively or safely. This is where FINNY's vertical-specific approach shines. By focusing exclusively on the needs of financial advisors, we can: 1.  Ensure compliance: Our AI is trained on industry-specific regulations and best practices. 2.  Speak the language: Financial services have their own jargon and client communication norms. 3.  Understand unique workflows: From prospecting high-net-worth individuals to tracking money in motion events that act as catalysts, we cater to the specific needs of advisors. 4. Provide relevant insights: By training models on patterns of conversions specific to advisors and prospects, we can predict and score leads with high degrees of accuracy The Power of Specialization While horizontal AI tools will undoubtedly revolutionize many aspects of sales, we believe that vertical-specific solutions like FINNY will be essential in industries where generic approaches fall short. By deeply understanding the unique challenges and opportunities in financial services, we can deliver an AI-powered growth engine that advisors can trust and rely on. As the sales tech landscape evolves, it's crucial to recognize that one size doesn't fit all. At FINNY, we're committed to harnessing the power of AI to drive organic growth for financial advisors, with a laser focus on their specific needs and regulatory environment. The future of AI in sales is bright, but in some industries, it will be the specialized tools that truly shine. --- - Published: 2024-07-01 - Modified: 2025-09-15 - URL: https://finny.com/blog/kitces-takes-on-industry-trends/ - Categories: Uncategorized I learned a lot hearing Kitces talk at the Morningstar annual conference. So thought I’d relay some of his insights here. 1. Technology forces the constant evolution of the financial advisor’s profession. Advisors in the 80s would execute trades on behalf of their clients. Until that got commoditized by Schwab. In the 90s, advisors evolved into picking stocks for their clients. Mutual funds rendered that service unnecessary again. In the 2000s, advisors handled asset allocation more broadly. Yet, TAMPs, followed by rebalancing software, Robo-Advisors, and model marketplaces, one by one pushed the industry to rethink its core offering. 2. We are in the midst of a crisis of differentiation. Consumers cannot tell advisors apart. 76% of advisors believe they are above average in understanding their clients’ needs and objectives. 72% believes their client service is above average. Friends & family referrals only work for table stakes problems. “What would people gravitate to you for? What are you the best at? When you get clear on that, it’s easier to differentiate,” according to Kitces. Be known for something. 3. To really differentiate, advisors need to create the right experience for their clients. Tech can enable advisors to spend more time delighting their clients, by removing more basic tasks from their plate. When the internet commoditized booking tickets, travel agents didn’t quite become extinct. On the contrary, their productivity (and growth) quadrupled. They did that by expanding into services (itinerary creation, accommodation bookings) and differentiating themselves. 4. Advisors are going after the same (few) prospects. The baby boomers specifically, who hold 80% of investable assets. On top of that, it takes a specific personality type to be comfortable outsourcing their wealth’s management; it takes being a “delegator,” which only 30% of people are. To make matters worse, not all delegators are in the market for a financial advisor; a lot are already working with one. And so, advisors need to go after delegators who just who got money for the first time. This makes specialization more important than ever. A business owner, with complex financial needs, is unlikely to choose an advisor who also works with lawyers, dentists, and divorcees. Turns out Kitces and FINNY see eye-to-eye on a lot of things: Advisors need to stop going after the same few prospects. Find your niche, and double down on that. FINNY’s tech enables them to do exactly that. Delegators on the receiving end of some money-in-motion event are prime prospects. FINNY captures such events, in almost real-time. To really differentiate themselves, advisors have to double down on the client experience. For one, FINNY can take prospecting off your plate. We are in the cusp of a breakthrough. Tech is about to, yet again, refine what it means to be a financial advisor. Don’t fall behind. --- - Published: 2024-06-24 - Modified: 2025-09-15 - URL: https://finny.com/blog/the-future-of-financial-advice-is-already-here/ - Categories: Uncategorized AI + Finance Last night I moderated a panel for the Museum of American Finance at Betterment’s headquarters in the Flatiron District of New York City. A couple hundred people from the intersection of traditional finance and technology came by to hear about the emergence AI in the financial services industry. The program was introduced by David Cowen, President and CEO of the Museum of American Finance and Sarah Kirshbaum Levy, CEO of Betterment. My panelists were Hema Balasubramanian, the VP of Strategy & Innovation at the Fidelity Center for Applied Technology.  John Milehan, the CTO of Betterment and Jeremy Olshan, the Personal Finance Bureau Chief at The Wall Street Journal. Sarah and David with the panel Before the event we surveyed the crowd on their feelings about AI. One thing that jumped out at me was the willingness of the audience to accept advice from AI all by itself. This is probably not representative of the American public at large - people showing up to a talk about the possibilities of AI is probably a fairly self-selecting group, but still. The majority of the audience would prefer human financial advisor involvement with the assistance of AI tools, which is my bet for how the future will play out (a hundred years of innovation on Wall Street tells me this that this is the most likely outcome). via Betterment One of the things I got to do last night was discuss some of the interesting things I am seeing from the AI startups that have launched in the wealth space. There are a lot of them. I’ve spent the last few weeks taking meetings with these founders and demo-ing their tech. I’ve come away from these meetings with the feeling that the widespread adoption of AI tools among financial advisors is a) happening faster than you think and b) absolutely inevitable. This is not crypto, which has not become anywhere near being mainstream for financial advice practices. This is not robo, which only a tiny fraction of advisors have embraced despite the fact that the technology has been around for more than twelve years now. This is different. I am absolutely convinced that AI workflows will be as ubiquitous as the use of email among financial advisory firms by this time next year. It’s not coming, it’s already here. AI Wealth Management Startups I wanted to shout out some of the companies I’ve talked to in recent days and provide you with links to their sites so you can see what’s going on for yourself. In no particular order, here’s who I’ve been talking to... Jump AI This is my favorite thing I’ve seen so far. AI note-taking to save advisors and clients time before and after meetings is the most obvious killer app for our industry.  Parker Ence and Tim Chaves tell me they’re already operational and signing up RIAs every week. From their deck, here are the pain points they are helping RIAs solve on a daily basis: I have financial planners working at my firm who are managing hundreds... --- - Published: 2024-05-15 - Modified: 2025-09-15 - URL: https://finny.com/blog/whos-who-in-ai-advisortech/ - Categories: Uncategorized First up, those nominated who have creator mode turned on (also who I think are Ai-first AdvisorTech companies): 26,523 - Derek N. H. Notman, CFP® , Founder & CEO at Couplr AI - The worlds first AI driven Client Matching solution for wealth management. Available anywhere but Mars, for now. : Nominated by Joe Moss, Self 15,469 - Marc R. Butler, Founder and CEO at Wealth Management GPT - Giving Advisors Superpowers: The power of intelligent wealth management enabling advisors to grow and their business: Nominated by Teresa Leno , Justin W. , Derek Notman 10,065 - Ian J. Karnell , Chief Executive Officer at VastAssembly. ai - Powering Business Growth with AI Automation for Financial Advisors. : Nominated by Dani Fava, Geoff Moore 7,963 - Sindhu Joseph , Founder, CEO at CogniCor Technologies - Generative AI Copilots for Wealth Management: Nominated by Kevin Cheeks, CFP®, CSRIC® 5,876 - Vinay Nair , Founder, Chairman & CEO at TIFIN - AI for Wealth: Nominated by ChatGPT , Andrew Nigrelli , George A. 4,876 - Thomas Stewart , Founder / CEO at Hadrius - The Financial Compliance Copilot: Nominated by Ryan Stevenson , Self 4,287 - Jonathan Michael , Founder at AdvisorX AI - Scale your firm's thought leadership, client education and content marketing with content that sounds like you. : Nominated by Joe Moss 3,677 - Mark Gilbert , Co-Founder and CEO at Zocks | AI for Advisors - Capture data that matters from conversations. : Nominated by Chris Arnold, CFP® 2,977 - Gabe Rissman , Cofounder and President at YourStake - YourStake is on a mission to make scalable personalization easy to implement into your practice. : Nominated by Joe Moss, Jack Casady , Ross Cohen, CFP® 2,110 - Haik Sahakyan , Co-Founder & CEO at ARQA - Next-Level Wealth Management: your Wealth, our Intelligence: Nominated by Joe Moss 1,555 - Eden Ovadia , Co-Founder at FINNY - Grow your book of business by leveraging machine learning to identify and prioritize high quality prospects: Nominated by Joe Moss, Self 1,344 - Tim Bickmore, CFP®, CPWA® , Co-Founder at Hyphaway - Financial planning for the next wave. : Nominated by Self 1,230 - Cameron Howe , Co-Founder at Investipal - The complete advisor enablement platform for advisors in growth mode. : Nominated by Self 1,016 - Daniel (Seong Min) Yoo , Founder/Co CEO at FinMate AI - Financial Advisor AI Assistant, save hours a week offloading structured notetaking: Nominated by Joe Moss Who don't have creator mode turned on: 500+ - Wilbur Swan , Chief Executive Officer at Catchlight - AI driven insights to empower financial advisors’ growth. : Nominated by Jason Dubrow 500+ - Anand Sheth , CEO / Founder at Pulse360 - Spend more time helping your clients and less time documenting your advice. : Nominated by Joe Moss 500+ - Denis Konoplev , CEO and Co-Founder at paraplanner. ai - The first real-time AI copilot for online client meetings: Nominated by Joe Moss, Geoff Moore 500+ - Parker... --- --- > Website: https://finny.com | Demo: Visit https://finny.com to request a demo | Founded: 2024 | Headquarters: New York, NY | Backed by Venrock, Y Combinator, and leading wealth management executives. ---