Wealth that compounds.
Decisions that hold.
A financial co-pilot built as three specialists — one who sees, one who decides, one who guards. Six steps from your real holdings to a one-page plan you can act on yourself.
No credit card · 14-day trial · Cancel anytime
Your allocation
₹16.2L
Plan alignment
92%
- Liquid + arbitrage₹3.5L · home goal ladder
- Long-term equity₹9.4L · restructured
- Emergency buffer₹3.3L · 6 months
Verified across 3 stress tests
On planThree answers. Without the marketing.
Who it's for
Serious savers who want the math, not the vibes. People who've bounced off finance apps because none of them showed their work.
Block 1 of 3What we deliver
One page at the end of every session: the exact transaction list, the rules it rests on, the stress tests it passed, and what to monitor next.
Block 2 of 3How it works
Three specialists collaborate on every question. A six-step loop runs end-to-end. You stay in the driver's seat — we never auto-trade your accounts.
Block 3 of 3
Built on infrastructure serious money already trusts
- Bank-grade · Plaid + AES-256
- Real holdings · real math
- Every rec shows the rule
- Tax complexity → human CA
- Full audit log, exportable
- 14-day no-questions refund
- Frontier AIreasoning
- Stripepayments
- Supabasedata layer
We don't recommend specific tickers, we don't auto-trade, and we don't hide the math. Every recommendation includes the rule it's based on — so you can verify it, your CA can verify it, and regulators could verify it.
Three specialists.
One layered answer.
One who sees the picture honestly. One who runs the math and proposes a plan. One who guards reversibility, regulatory boundaries, and what happens after delivery. They hand off in sequence; they have explicit veto on each other.
- 01·Sees
Analyst
Origination · perception · honest diagnosis
Pulls your real holdings and returns the picture — idle cash, fund overlap, goal separation — in language a person can act on.
- Plaid + brokerage sync · categorises every position
- Asks the six short questions that scope a goal
- Reflects back honestly; never flatters; confirms before handoff
What Priya saw
₹16.2L · 3 problems · 0 goals separated
- 02·Decides
Planner
Harmony · synthesis · runs the six-step loop
Runs the full six-step delivery loop. Produces a one-page plan with the transaction list, the stress tests, and the rules each move rests on.
- Liquid + arbitrage ladders · long-term restructure · buffer math
- Verify against 3 stress tests before hand-off — never after
- Trinity 4% · Monte Carlo · IRC §1091 — all visible
What Priya got
One page · 3 CTAs · ₹3.5L ladder · 92% alignment
- 03·Guards
Guardian
Completion · audit · reversibility · monitoring
Audits the Planner's output for regulatory appropriateness, conflict of interest, reversibility. Has veto. Continues monitoring after delivery.
- No advice requiring credentials we don't hold · escalates to human CA
- Every action undoable within 30 days · drift tolerance defined upfront
- One message at week two, not a stream of notifications
What Priya heard at week 2
Drift in tolerance · 1 tax flag for CA · proceed
Six steps. Skipping one is a bug.
Every specialist runs the same six-step loop from your intent to a delivered outcome. The loop is the only path work moves through Wealth. Verify before Hand-off is non-negotiable.
Step 1 of 6
IntakePull holdings, transactions, and the six short questions Priya answers in under five minutes.
Step 2 of 6
DiagnoseName three real problems in plain English — not symptoms. Idle cash, fake diversification, no goal separation.
Step 3 of 6
PlanPropose the concrete allocation: liquid + arbitrage ladder, restructured long-term portfolio, emergency buffer with explicit trade-offs.
Step 4 of 6
ExecuteGenerate the exact transaction list in sequence — broker, fund, amount, order — ready to copy into your platform.
Step 5 of 6
VerifyRun three stress tests: market drop, job loss, goal pulled forward by two years. Show the verification, not just the result.
Step 6 of 6
Hand-offOne page. Three CTAs at most. The plan, the rules, the verifications, and what the Guardian watches next.
Every specialist runs this loop. Skipping a step is a bug, not an optimization.
One question.
Three specialists.
Nine beats.
The trace below is real — it follows the Priya scenario from the canonical 3-6-9 worked example. Three specialists, each contributing the loop steps they own, converging into a single composed outcome.
The user
Priya, 34, software engineer in Bengaluru. Bounced off three finance apps. Wants the math, not the marketing.
What 3-6-9 did
Wealth stayed focused on Wealth. Priya got a team she could name. The Planner had to clear Verify before Hand-off — the step most finance products skip. The Guardian killed the upsell-to-insurance reflex that would have lived in another vertical.
Step 1 of 6 · Intake
Pulls bank + PAN-linked holdings with consent. Asks 6 short questions: age, dependents, fixed costs, job confidence, 5-year and 20-year goals.
Step 2 of 6 · Diagnose
Names three real problems: ₹4L idle in savings · 6 mutual funds with 70% holdings overlap · no separation between flat-fund and retirement.
Step 6 of 6 · Hand-off
Reflects the picture back to Priya in one paragraph. Confirms before passing to Planner. Most products skip this step; we do not.
Step 3 of 6 · Plan
Designs liquid + arbitrage ladder for the home goal (₹3.5L), restructured long-term portfolio (₹9.4L · 4 funds, 0 overlap), emergency buffer (₹3.3L).
Step 4 of 6 · Execute
Generates the exact transaction list in sequence: redeem from F1+F2+F3, buy into E1+E2, ladder into D1+D2. Broker · fund · amount · order.
Step 5 of 6 · Verify
Stress-tests against three scenarios: 30% market drop, 9-month job loss, goal pulled forward by 2 years. Plan survives all three.
Step 5 of 6 · Verify
Audits the Planner output: no advice requiring credentials we don't hold, no commission conflicts, every move reversible within 30 days.
Step 6 of 6 · Hand-off
Flags one tax complexity — capital-gains harvesting across F2 and F3 — for human-CA escalation. Surfaces the trade-off; does not silently remove.
Step 1 of 6 · Intake
Two weeks after Priya executes: drift in tolerance, allocation matches plan within 1.4%. One message, not a stream of notifications.
Priya gets one page, three CTAs. Liquid + arbitrage ladder to fund the flat in year 5. Restructured long-term portfolio with the fund overlap eliminated. Emergency buffer at 6 months of fixed costs.
One tax complexity is queued for her CA. Every move is undoable within 30 days. Guardian will report back at week 2 with a single message — no notification stream.
Three tiers.
The math doesn't change.
Every tier ships the three specialists running the six-step loop. Higher tiers unlock how often the specialists run, multi-user mode, and CA collaboration.
Starter
Tier ISingle portfolio · read-only specialists
Billed monthly · cancel anytime
Start free trial- All 3 specialists · read-only output
- Manual portfolio sync (CSV upload or entry)
- Monthly Analyst summary email
- 1 portfolio · 1 user
- Educational disclaimers + GDPR DSAR
- Full audit log of every recommendation
Specialists return analysis; you act on it.
Core
Tier IIFull activation · weekly cadence · Plaid sync
Billed monthly · cancel anytime
Start free trial- Everything in Starter
- Plaid bank + brokerage auto-sync
- Weekly Planner digest with one-page plans
- Rebalance proposals queued for your approval
- Tax-loss harvest alerts (IRC §1091 filter applied)
- Guardian monitoring — single weekly check-in
The plan for serious individual planners.
Sovereign
Tier IIIHousehold · CA collaboration · priority
Billed monthly · cancel anytime
Start free trial- Everything in Core
- Up to 4 linked users (one household)
- CA collaboration mode (read-only invites)
- Cross-portfolio drift + tax view
- Priority response under 24h
- Early access to new specialists + bundle perks
For families and CAs working together.
14-day free trial on every plan · No credit card required · Cancel anytime · Full data export at any time
The compliance, the math, the data.
Real answers. If a question isn't here, our support team replies within 24 hours.
No. Wealth is an educational + analytical tool — not an RIA, not a broker, not a CFP. We show you the math behind asset-class decisions and let you act on it yourself or with a human professional. For binding advice about your specific situation, work with a fiduciary CA or CFP. The Guardian flags any case where that human escalation is warranted.
Have a question we should add here? hello@cosmos369.ai — we read every one.
See what your money is actually doing.
Connect a portfolio. Ask one real question. See three specialists return one layered answer with every rule visible.
No credit card · Cancel anytime · Full data export at any time