Ellie™ is an AI‑powered personal CFO that aggregates a user’s financial accounts, tracks cash flow, and provides real‑time, ranked recommendations for tax optimization, retirement planning, and insurance gaps. Leveraging Plaid data connections and large‑language models, the platform delivers actionable steps—such as identifying unused Roth IRA room—within a minute, helping users uncover average annual tax savings of $7,513 and close median retirement shortfalls of $400 K.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers often have financial data scattered across multiple accounts and lack a unified view of their cash flow, retirement readiness, tax opportunities, and insurance coverage, leading to missed savings and delayed decisions.
Solution
Ellie is an AI‑driven personal CFO that aggregates bank, brokerage, retirement, insurance, and tax information through bank‑grade integrations like Plaid. Within seconds, the platform analyzes the complete financial picture and surfaces ranked, actionable recommendations to close retirement gaps, capture legal tax savings, and address insurance blind spots. Recommendations are presented in plain English with projected dollar impact, and users can monitor a real‑time, 360° financial health score. The service offers a free tier for basic insights and paid subscription plans that unlock full gap analysis, comprehensive tax optimization, smart alerts, and optional licensed advisor reviews.
Target Audience
Ellie targets individual consumers and households seeking a comprehensive, AI‑powered financial planning tool, as well as fintech platforms that want to embed advanced personal finance analytics for their users.
Features
- Secure read‑only connections to up to unlimited accounts via Plaid, protected by SOC 2 Type II compliance and 256‑bit encryption
- Real‑time cash‑flow mapping with category drill‑down and surplus tracking
- Automated retirement gap diagnosis (average detection time 60 seconds) and projection of median $400 K shortfall
- Tax optimization engine that identifies average annual savings of $7,513 per user, including unused Roth IRA room and other shelters
- Insurance gap detection and recommendation of coverage adjustments
- Plain‑language explanations of each recommendation with estimated financial impact
- Tiered subscription model: Free (basic insights, up to 5 accounts), Pro ($99 / yr for full gap analysis, tax optimization, unlimited accounts), Pro + Advisor ($299 / yr adds licensed advisor reviews and quarterly portfolio check‑ins)