From "What now?" to "Do this."
Until now, there hasn't been a clear place to turn for urgent financial decisions.
Step 1 — Describe what's going on.
Job loss, raise, windfall, market swings—the moments that keep you thinking at 2 a.m.
Step 2 — We build your recommendation.
Clear rules, fiduciary standards, and safety rails shape guidance specific to your situation.
Step 3 — See every step.
You can trace the reasoning behind each recommendation, saved for reference anytime.
Step 4 — Act with confidence.
Your next moves, prioritized by impact and tax efficiency.
No fine print. No disclaimers. Just fiduciary-grade clarity.
Important: We never touch your money
Unlike robo-advisors, we don't take custody of assets or access your accounts. We provide expert recommendations. You maintain complete control and execute changes yourself with your existing providers.
Is my financial data secure?
Yes. We use bank-level encryption for all data. We never sell your personal information to third parties. We maintain audit logs for SEC compliance (retained as required by law). You can request deletion of your data anytime, subject to regulatory requirements.
How do you determine my recommendations?
We use rule-based calculations grounded in Modern Portfolio Theory, adjusted for your specific situation and risk profile. The math determines the allocation; AI only helps explain it in plain English. You can see the complete logic behind every recommendation.
Can I use Senstomi to "test" what my advisor tells me?
Absolutely. That's one of the best uses. Senstomi shows you the math and logic behind every recommendation. Compare it to what you're being told elsewhere. Ask better questions. Make sure advice fits your actual situation, not someone else's commission structure. We're not here to undermine good advisors — we're here to help you recognize them.
How is this different from a robo-advisor?
Robo-advisors manage your money directly—they take custody of your assets and automatically buy and sell for you. We never touch your money. We provide personalized recommendations for what to do with your accounts wherever they're held—at your bank, brokerage, or 401(k). You get SEC-registered investment advice and execute the changes yourself. We're advisers, not money managers.
What does 'limited release' mean and is it right for me?
We're launching with our Income Hit scenario—complete guidance for job loss, pay cuts, or reduced hours. If that's not your current situation, you might want to wait for additional scenarios launching soon. Early members get everything we add at their locked-in $12/month rate.
Can I cancel anytime? What happens to my data?
Yes, cancel before your next monthly charge with no fees or phone calls required. We're legally required to maintain certain records for SEC compliance even after cancellation. Your scenarios won't automatically transfer if you rejoin later, so download any recommendations you want to keep. You'll maintain access through the end of your paid period.