For organizations
Your customers have financial needs you don't know about. Wealth Coach helps you discover them.
Give customers and members sophisticated financial decision support under your brand. Discover unmet needs and future intentions, strengthen relationships, and identify new opportunities to help them.
Discover financial opportunities you would otherwise miss.
Your organization knows the products customers have with you. But what about the financial needs, relationships, and future decisions you can't see?
Wealth Coach can help reveal these opportunities before they become transactions elsewhere.
Example 1
The hidden opportunity
What you know
The customer has a checking or savings account.What Wealth Coach may reveal
The customer carries $25,000 in credit card debt at another financial institution.
How you can help
Help the customer evaluate debt consolidation, a balance transfer, or other appropriate financial solutions.Why it matters: The institution may have had no visibility into this existing borrowing relationship.
Example 2
The future opportunity
What you know
The customer has a credit card.What Wealth Coach may reveal
The customer is considering purchasing a $750,000 home next year.
How you can help
Provide mortgage education, help the customer prepare financially, and introduce relevant mortgage products when appropriate.Why it matters: The institution can potentially engage before the customer applies for financing elsewhere.
Example 3
One decision, multiple opportunities
What Wealth Coach may reveal
A customer is considering purchasing a home.
The analysis may also show that the purchase affects available cash, retirement timing, or college funding.
How you can help
- Mortgage lending
- Homeowners insurance
- Life insurance review
- Savings and liquidity solutions
- Wealth management
- College savings
Why it matters: A single financial decision can reveal multiple interconnected financial needs.
Whether through your own products, services, member benefits, or trusted referral partners, Wealth Coach can help identify more opportunities to serve the people who rely on your organization.
Illustrative examples only, not actual Wealth Coach customers. Dollar amounts are illustrative. Wealth Coach only knows about accounts at other institutions when the customer provides that information.
Explore more opportunities
| Customer insight | Potential opportunity |
|---|---|
| Considering a home renovation | HELOC or home equity loan |
| Considering changing jobs | 401(k) rollover or IRA |
| College funding below target | 529 plan or financial advice |
| Significant excess cash | Investment or wealth management services |
| Potential life insurance gap | Insurance coverage review |
| Considering retirement | Retirement planning and advisory services |
| Significant home equity | HELOC or refinancing |
| Planning a vehicle purchase | Auto financing or insurance |
| Planning to leave an inheritance | Estate planning or trust services |
The greatest opportunity may be the financial need you didn't know your customer had.
AI is changing where customers turn for financial answers.
Make sure your organization remains part of the decision.
Consumers are increasingly turning to independent AI platforms to explore important financial decisions, from buying a home to changing jobs or retiring earlier.
When these conversations happen elsewhere, organizations risk losing visibility into the financial decisions that create their customers' next needs.
Wealth Coach helps organizations remain part of those decisions through their own branded customer or member experience.
Without Wealth Coach
- Customers explore important financial decisions elsewhere.
- Organizations may not know what customers are considering until a transaction occurs.
With Wealth Coach
- Customers explore decisions through the organization's branded experience.
- With appropriate customer consent, organizations could gain insights into emerging financial needs.
Don't wait until customers need a financial product. Be there when they're deciding what to do.
Sophisticated financial decisions. Made simple.
Customers establish their financial profile once, then explore how important decisions could affect their financial future.
1. Build your financial picture
Establish income, assets, liabilities, financial goals, and other relevant assumptions.
2. Explore a decision
Evaluate buying a home, changing jobs, retiring earlier, making a major purchase, or other life changes.
3. See the financial impact
Understand how the decision could affect retirement timing, college funding, accessible cash, cash flow, and other financial goals.
~250,000
Financial formulas
1,176
Sequential logic layers
2,000
Monte Carlo simulation runs
One decision. Every financial goal.
Understand more about your customers. Discover more ways to help.
Wealth Coach brings together customers' financial circumstances, goals, and future intentions, creating opportunities to identify financial needs that traditional transaction data may not reveal.
Their financial picture
Understand where they stand.
- Income and savings
- Investments and retirement accounts
- Debt and home equity
- Insurance and cash flow
Their financial goals
Understand what matters to them.
- Retirement
- College funding
- Major purchases
- Financial security
Their future intentions
Understand what they're considering.
- Home purchases
- Job changes
- Retirement decisions
- Family and lifestyle changes
The financial implications
Understand what their decisions could change.
- Retirement readiness
- College funding
- Accessible cash
- Future cash flow
Understand what customers have, what they want, what they're considering, and how their decisions could affect their financial future.
Organizations do not automatically receive access to customer information. Any future institutional access to customer-level insights would require appropriate customer consent, privacy protections, and applicable regulatory compliance.
Know what Wealth Coach could be worth to your organization.
Wealth Coach tracks the estimated annual gross value of identified cross-sell opportunities and their potential lifetime incremental value per user.
We're developing benchmarks from our consumer platform to help prospective partners estimate the opportunity across their own customer bases.
1. Identify
Uncover financial needs and future intentions that may not be visible through existing customer relationships.
2. Quantify
Estimate the annual gross value of identified opportunities and their potential lifetime incremental value.
3. Evaluate
Use observed consumer data to help estimate potential institutional economics and evaluate partnership opportunities.
Annual opportunity
Participating customers
×
Estimated annual gross opportunity per user
=
Estimated annual gross opportunity identified
Lifetime opportunity
Participating customers
×
Potential lifetime incremental value per user
=
Estimated potential lifetime incremental value identified
Don't just identify opportunities. Understand what they could be worth.
Opportunity estimates are not forecasts of realized revenue. Actual results depend on customer adoption, product availability, eligibility, conversion, and other factors.
Partnership opportunity in development
Your brand. Your customers or members. Powered by Wealth Coach.
We're exploring partnerships with organizations interested in offering sophisticated financial decision support through their own branded experiences.
Banks and credit unions
Strengthen customer relationships and identify potential opportunities across lending, deposits, and wealth management.
Insurance companies
Help customers understand how life changes affect their financial security and identify potential insurance protection needs.
Financial services firms
Provide sophisticated financial decision support while identifying opportunities for additional planning, investment, and advisory services.
Membership organizations
Help members make better financial decisions while identifying opportunities to connect them with valuable resources, services, benefits, or trusted referral partners.
For financial services providers, Wealth Coach can help identify potential growth opportunities. For membership organizations, it can help deliver a more valuable member experience.
One sophisticated financial decision engine. Multiple ways to deliver value.
Bring sophisticated financial decision support to your customers or members.
We're exploring partnerships with organizations that want to strengthen relationships, differentiate their offerings, and better understand the financial needs of the people they serve.
Discuss a partnership