money advice
that texts you
back.

Like having your most financially savvy friend on speed dial. Except she's actually a licensed adviser, and she's awake at 11pm.

ask magnetic something →
free for 14 days.   no credit card.   cancel in two taps.
Maya in Brooklyn 2m

"asked about my emergency fund at 11pm. had a real answer by morning 🙏"

Sarah, your adviser just now

"signed off on your 401k rebalance. sent the doc. holler with questions."

James in Austin 4m

"forwarded a confusing email from my bank. they translated it in 30 seconds."

Priya in Oakland 9m

"first financial app where i don't feel like the product 🥲"

9:41
‹12
M
magnetic
Today 11:08 PM
is it dumb that i still don't have an emergency fund at 32
it's been bugging me all night
not dumb. extremely common.
let's fix it tonight ☕ how much do you spend monthly?
like $4200
target: $12.6k → 3 months.
if you auto-transfer $525 every 2 weeks into a HYSA at ~4.2% APY, you're done by aug 2026.
sarah (cfp®) just signed off. want me to set up the transfer now?
yes please
Delivered
+
iMessage
stuff people ask us

no question too small. no situation too messy.

A peek at real conversations from this week. Names changed, vibes preserved. Every answer signed by a real adviser.

“my partner makes 3x what I do. how should we actually split rent?”
Got back a proportional-income calculator + a script for the conversation. Less awkward than you'd think.
Sarah, CFP®signed · 8 min
today
“is buying a 2014 corolla a 'financial mistake' or a 'real adult move'”
Real adult move. Here's the total-cost-of-ownership math, plus the line you'll need at the dealership.
David, CFP®signed · 14 min
today
“my mom sent me a screenshot of her 401k. can you tell me if it's bad?”
Translated the screenshot. Identified two funds eating fees. Drafted the email your mom can send to HR.
Aiyana, CFP®signed · 21 min
yest.
“freelance for 6 months. taxes about to ruin my year. help???”
Estimated your Q4. Set up the SEP-IRA. Found a CPA who answers texts. Took 18 minutes.
Marcus, CFP®signed · 18 min
yest.
“vested RSUs about to hit. what do i actually do with them”
Built a sell-vs-hold model with your tax bracket. Outlined the 10b5-1 conversation. Signed off.
Jenna, CFP®signed · 9 min
Mon
“how much house can we actually afford on $185k combined”
Pulled your credit, ran the DTI, modeled three down-payment scenarios. Honest answer was lower than Zillow's.
Theo, CFP®signed · 12 min
Mon
“about to inherit ∼$60k from my grandpa. what's the dumbest thing i can do with it?”
Mapped out tax treatment, an emergency-fund top-up, and a Roth backdoor. Drafted a thank-you note while we were at it.
Priya, CFP®signed · 26 min
Sun
7 of 2,400+ this week
how it works

AI handles the everyday. People handle what matters.

The bot does the math, the paperwork, the screenshot-decoding. The licensed adviser reads it, edits it, signs it. You get an answer with a real name on it. Not a chatbot disclaimer.

12min
Median from question to signed answer
100%
Of answers reviewed by a human
the catch

There isn't one. We're paid by you. Not by funds.

No commission products. No referral kickbacks. No "free" advice that turns out to be a sales pitch. Fiduciary by default, on day one.

$0
From product issuers, ever
who's behind it

2,400+ CFP®s. Real people. Probably one near you.

Fiduciaries who used to work at firms you've heard of. The kind who'd rather text you back than schedule a 45-minute call.

your side of it

One thread. Day or night. As small as you want.

Ask in the shower thought. Ask at 11pm. Forward an email you don't get. Drop a screenshot. The conversation stays in one place, with one person who actually knows your situation.

so. ask us something.

Three minutes to set up. The first answer is on us. If you don't get something useful in your first thread, we'll tell you. And you walk.

join the waitlist →
free for 14 days. no card required.
SEC-registered·SIPC-insured·fiduciary by default