The problem
Wealth management is only for the rich.
New grads entering the job market are the most financially vulnerable people in America. Real money for the first time. Zero guidance from anyone who matters.
$0M
JPMorgan Private Bank minimum
The threshold to access the strategies that actually build generational wealth. If you have less, you're on your own.
$0/hr
Average financial advisor cost
For the advice that matters, backdoor Roth, mega backdoor Roth, HSA receipt harvesting, you'd pay thousands just to learn it exists.
0M
New grads every year with no plan
Starting their highest-earning years with no roadmap. Most will leave hundreds of thousands on the table before they figure it out.
Your knowledge base
A brain for your money, outside your own.
A great plan draws on a dozen things, your accounts, income, goals, tax situation, what's coming next. Dividnd keeps them all in one knowledge base: balances pulled in automatically through Plaid, plus the answers only you can give. That complete, always-current picture is how we build a sharper plan and forecast than you ever could from memory.
The decision engine
A plan that tells you exactly what to do.
Not 'consider a Roth.' Open this account, move this much, in this order, with the dollar figure next to every step. The thinking is done for you, so you can just follow along.
The payoff
See the future you're building.
Watch the plan compound, and the gap between doing this and doing nothing. Every recommendation traces to a number you can see growing over your lifetime.
Always evolving
Life changes. Tell it, and the plan catches up.
Buying a car in a few months? Got a raise? Thinking about a move? Just say so. Dividnd folds it into your knowledge base, then re-plans and re-forecasts on the spot, so your plan always reflects your real life, not a snapshot from the day you signed up.
Why Dividnd
Every other app is a tool. Dividnd is a decision engine.
Tools hand you charts and accounts and leave the thinking to you. Dividnd hands you the decisions, a full plan built for you, so you can offload your money and get on with your life.
| Dividnd | Robo-advisor | Financial advisor | ChatGPT / DIY | |
|---|---|---|---|---|
| Tells you the exact next move | It's a tool | Sometimes | You decide | |
| A complete plan built for you | Partial | |||
| Finds niche strategies automatically (backdoor Roth, mega backdoor, HSA harvesting) | Partial | |||
| Grounded in your full, real financial picture | Partial | Partial | ||
| Updates as your life changes | Partial | |||
| No $10M minimum, no $500/hr fee |
Why us
Built by people who’ve seen how it actually works.
Morgan Stanley
Quantitative Research, Asset Management
JPMorgan Chase
Wealth Management & Consumer, Community Banking Data Science
LegalOS (YC-backed, Pioneer Fund)
Founding Engineer
We are the target user. We felt this problem ourselves.