Richuel provides on‑demand, concierge‑style financial care for professionals facing layoffs, career pivots, or new ventures. Using an AI‑driven conversational intake combined with human experts, the service builds a real‑time financial picture without bank‑account linking and delivers a five‑step treatment plan—including diagnostics, a longevity map, and scenario modeling—to guide personalized actions and improve financial outcomes.
Funding
Funding not disclosed
Founders
Product
Problem
Professionals experiencing layoffs, career pivots, or launching new ventures often lack personalized financial guidance, relying on fragmented DIY tools, spreadsheets, and generic advice that can lead to uncertainty and suboptimal decisions.
Solution
Richuel offers an on-demand, concierge-style financial service that combines an AI conversational copilot with access to human financial experts. Users narrate their financial situation in a natural conversation, allowing the platform to build a real-time picture without requiring bank account linking or extensive forms. The service then provides a structured five‑step treatment plan—including intake, triage, diagnostics with a longevity map, and a customized prescription of expert playbooks and automated actions. Scenario modeling tools let users test life decisions and improve their financial success score, while weekly habit guidance and step‑by‑step execution support turn recommendations into results.
Target Audience
Richuel serves professionals in high‑cost‑of‑living regions who are navigating layoffs, career pivots, or new entrepreneurial ventures and need tailored financial guidance without the hassle of traditional advisory services.
Features
- AI‑driven conversational intake that captures 401(k)s, expenses, and goals without invasive data linking
- Human‑expert triage and diagnostics delivering a visual “Longevity Map” of lifetime financial trajectory
- Interactive “What‑If” scenario modeling to evaluate career moves, relocations, and investment choices
- Personalized action plan with weekly habit prompts, step‑by‑step guides, and progress celebration
- Integrated AI assistance that stays alongside users to execute the prescribed financial plan
- Zero‑fee, on‑demand access eliminating traditional asset‑under‑management charge structures