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The aspirational vs motivated user. It's like people being told they need to go to the gym by the sales person vs the person who gets up at 6am to just work out.

I really don't think you read this article beyond the headline because that's not what it's about or implying...literally in the slightest.

That article is about JPMorgan being able to charge Plaid or other providers for the middleman access. They used to be operating almost for free, now Plaid has to pay for access the same way companies like mine pay Plaid.

That's kind of just a brag about being wealthy though, isn't it? For many people who are trying to get escape velocity to being financially secure, tracking spending + investments is a necessary reality.

No one is saying it's healthy but if you have debt, can't save or don't have investments on track to meet your future needs then what's more unhealthy, monitoring or lower living standards?

Did you find a suitable replacement? What do you use now? I'm interested to hear how big of an sticking point this still is with this a verbose range of options now.

I'm one of your customers, love the product!

You're correct here. The banks have limited who they are allowing into their systems more and more right now. We wanted to build direct partnerships with trading institutions to leverage their brokerages but they'd tell us to speak with their whitelisted partners like Plaid or a new (YC backed) incumbent, Snaptrade.

I'm a founder in this space (Fulfilled - posted above). Here's the reality: You're right that incentives matter. But selling your data would be idiotic for us, same reason it would be for your bank in that trust is the entire business model.

If we want to monetize insights from aggregated data, we'd do it in-house and offer you better products. Example: Why sell your mortgage readiness data to some broker when we could source competitive mortgage offers and present them directly to you? Keep you in our ecosystem, add value to your experience, and build a revenue stream that doesn't destroy the core product.

The wealth space is crowded. Companies that burn user trust get exposed fast and die faster. The only sustainable path is treating your data like it belongs to you and not us. Any company here who doesn't get that is building on quicksand and I'd be very surprised to hear any of the larger players engaging in those practices but maybe I'm naive.

Either way, it's why we're a Fiduciary and that blankets the entire product suite.

A lot of it is going to be needs & vibes based. Some of them have more in-depth and niche features in certain areas, like transaction splitting or categorization and others are just simple and clean UI to go for ease of use.

Other co-founder here. Really would love to hear some feedback on the approach, testing & general app use is free w/ no payments required!

Hey, good question! We deliver holistic wealth management as a single integrated experience.

Most retail platforms are vertically segmented, separate tools & products for investing, budgeting, savings, etc.

Users have to figure out which product to use and when. Or worse, they get cross-sold products they dont need. If you sign up for betterment or wealthfront right now you're left guessing where to start and whats appropriate. We step in where a family office or high networth adviser would, with a fiduciary duty to put your needs first as a SEC Registered Investment Adviser.

Our implementation: We analyze your complete financial picture (via Plaid/Oauth integration), then via reasoning models and deterministic logic surface the right feature at the right time based on what's actually blocking your wealth growth. If debt is your biggest issue, we guide you there first, not because you selected "debt management" but because that's you need.

Investment recommendations, budgeting features, debt paydown strategies, they all work together as one cohesive plan, not separate products you have to stitch together yourself.