🎉 Now Available — Bank-Connected Financial Planning
Architected Systems Presents

Your Personal Financial
Operating System

The complete financial planning platform with 62 calculators, AI-powered recommendations, real-time health scores, and tools for everything from student loans to retirement. Use it independently or with an advisor — your choice.

🚀 Get Started → 📅 Request a Demo
4
Financial Scores
62
Financial Calculators
13
Planning Categories
∞
Scenarios

🔐 Built on infrastructure you trust

Every payment runs through Stripe — the same platform millions of businesses use for secure, encrypted billing. PRO+ accounts can connect their real bank, brokerage, and credit accounts through Plaid, the industry standard for financial data. Your credentials never touch our servers, and you can disconnect anytime.

Bank-level encryption · 256-bit SSL · Read-only account access · You stay in control of your data.

Powered by
Stripe
Plaid
How It Works

From sign-up to financial clarity in minutes

1

Create Your Account

Register as an advisor or client. Advisors get a full dashboard. Clients get their own secure portal.

2

Enter Your Financial Data

Income, expenses, debts, assets, goals — PFOS guides you through every category in a structured workflow.

3

Get Your Scores & Plan

Instantly receive your 4 financial health scores plus a prioritized action plan built on your real numbers.

4

Track Progress Over Time

Every report, recommendation, and milestone is logged. Watch your financial health improve month over month.

Financial Health Scoring

Know exactly where you stand

PFOS calculates four independent scores from your real financial data, giving you and your advisor a precise, actionable view of your financial health — not a generic credit score.

8.4
Cash Flow

Income vs. expenses — your financial foundation

7.1
Protection

Emergency fund, insurance, credit resilience

6.3
Growth

Savings rate, retirement, investment activity

7.8
Efficiency

Spending leaks, debt optimization, idle cash

Platform Features

Everything you need in one platform

📊
62 Financial Calculators
From "Can I Afford This?" to FIRE planning, every financial question has a dedicated calculator — with side-by-side comparisons, visual verdicts, and advisor-ready recommendations built in.
🎯
Debt & Loan Strategies
Avalanche, snowball, and hybrid payoff strategies. Plus loan comparison, refinance analysis, APR truth calculator, buy vs lease, and a full debt elimination engine.
📈
Monte Carlo Projections
500-run retirement simulations that account for market variability. See your probability of success at different retirement ages and income levels.
🏡
Life Event Planning
Calculators for buying a home, having a baby, changing jobs, relocating, divorce, college savings, windfalls, and more — so every major decision is backed by real numbers.
🛡️
Insurance & Protection Suite
Insurance needs analysis, Buy Term & Invest the Difference, Whole Life vs IUL comparison, Infinite Banking (IBC) tools, and gap detection — all with compliance-ready disclaimers.
⚖️
Risk Tolerance Questionnaire
10-question assessment that produces a Conservative, Moderate, or Aggressive profile with suggested asset allocations — wired directly into investment recommendations.
💰
Tax & Retirement Strategy
Tax estimation, Roth conversion analysis, HSA optimizer, Social Security claiming strategy, RMD calculator, Monte Carlo retirement simulations, and spousal retirement coordination.
🎓
Student Loan & Education
5 student loan tools including IDR estimator, PSLF tracker, forgiveness checker, refi vs federal analysis, employer repayment tracking, and college savings comparison.
🔄
Investing & Fees Tools
Asset allocation visualizer, 401k optimizer, dollar cost averaging simulator, dividend reinvestment calculator, FIRE planner, rental property analysis, and index vs active fund comparison.
💑
Couple & Household Linking
Joint, Separate, or Hybrid household modes. Both partners share a unified financial picture while maintaining appropriate data separation.
✨
AI + Advisor Recommendations
AI analyzes your full financial profile and generates prioritized, actionable recommendations — no advisor required. Have an advisor? They can review, customize, and track every recommendation through implementation. Don't have one? Request a consultation anytime from within the platform.
📅
Behavioral Finance Tools
Spending trigger analysis, lifestyle inflation tracking, savings consistency scoring, financial stress index, and bias detection — understand the psychology behind financial decisions.
🎯
Live Plan Engine
Compare Traditional, Tax-Free, and Hybrid financial strategies side-by-side. The engine evaluates each path on net financial position — debt eliminated plus assets accumulated — not just interest saved. See how your spending decisions impact your plan in real time, with phase-tabbed allocations and bidirectional sync to your financial profile.
📊
Real-Time Spending Hub
Live monthly spending dashboard with a donut breakdown across 9 categories, bill calendar with .ics exports, smart alerts when categories hit 80% or 100% of budget, and daily-pace tracking with depletion forecasts. Every expense updates your scores, plan alignment, and projections instantly.
🏦
Bank Integration via Plaid PRO+
Connect your real bank, brokerage, and credit card accounts via Plaid — the industry-standard secure data bridge trusted by thousands of leading financial apps. Transactions auto-categorize into your spending dashboard. Read-only access, encrypted credentials, disconnect anytime.
Built for Everyone

Who PFOS is for

For Financial Advisors

Your complete client management system

Run your entire advisory practice from one platform. Manage clients, generate reports, track recommendations, and communicate — all with the professional tools you need to deliver exceptional results.

  • Full advisory dashboard with client list, status tracking, and priority alerts
  • 62 financial calculators with client data pre-filled — run any scenario instantly
  • Generate branded financial reports with a single click
  • Create, assign, and track recommendations through full lifecycle
  • AI-generated recommendation drafts for advisor review and approval
  • Pulse Check — 30-second tap-to-answer prospect scoring for networking events
  • Priority Dashboard ranks clients by urgency — never miss a follow-up
  • Session notes, follow-up reminders, and client messaging
  • Couple/household linking for joint financial planning
  • Client leaderboard, performance analytics, and segmentation tags
  • Recommendation pipeline with compliance tracking and 90-day effectiveness scoring
  • Bulk messaging, CSV export, starter pack templates, and full audit log
Start as an Advisor →
For Clients with an Advisor

Your financial picture, always with you

Access your full financial profile, reports, and advisor recommendations anytime — from any device. Stay informed and in control between sessions.

  • Personal dashboard with 4 financial health scores
  • AI-generated recommendations — with or without an advisor
  • Download all your financial reports
  • Two-way messaging with your advisor
  • Financial health timeline — your full journey
  • 62 calculators for loans, insurance, retirement, taxes, and more
  • "For Someone Else" mode — run calculators for family members or prospects
  • Behavioral finance tools — stress index, spending triggers, bias detection
  • Full data export at any time
Access My Portal →
No Advisor Yet?

Use PFOS on your own

You don't need an advisor to get started. Sign up and get instant access to all 62 calculators, AI-powered recommendations, financial health scores, and the full planning suite. Want professional guidance later? Request an advisor consultation directly from the platform — on your terms.

  • →62 calculators and full financial planning tools
  • →4 financial health scores, projections, and behavioral insights
  • →Request an advisor consultation in-app
Get Started Solo →
For Couples & Households

Financial planning built for two

Whether you share everything, keep everything separate, or somewhere in between — PFOS adapts to how your household actually works.

What couples get together:
📊
Unified Financial Picture
Combined net worth, joint income, shared debts — everything in one view so both partners see the full household picture.
🎯
Shared Goals & Milestones
Set goals together — a house, vacation, college fund, early retirement — and track progress as a team with shared progress bars.
📈
Joint Retirement Projections
Monte Carlo simulations that factor in both incomes, both Social Security benefits, and combined retirement accounts.
💳
Combined Debt Engine
Avalanche or snowball across all household debts — both partners' student loans, car payments, mortgages, and cards together.
And each partner keeps:
🏦
Individual Financial Scores
Each partner gets their own Cash Flow, Protection, Growth, and Efficiency scores — separate or combined, depending on mode.
🔒
Private Account Access
In Separate and Hybrid modes, each partner logs in to their own secure account. Neither can access the other's private data.
📄
Individual Reports
Advisors can generate individual reports for each partner alongside joint household reports — full flexibility.
📱
Separate Portal Logins
Both partners get their own client portal. They see what's shared and their own data — nothing more, nothing less.
Start a Couples Account →
Pricing

Simple, transparent plans

A one-time setup fee covers your account configuration. Choose monthly subscription tier afterward — or stay on CORE at no recurring cost.

🔐
Secure billing via Stripe
Encrypted card processing · Cancel anytime from your portal

All individual plans include a one-time $147 platform setup fee covering account configuration, calculator access, and onboarding. Choose your monthly subscription below — or stay on CORE with no recurring fee.

Personal
CORE
$0/month
+ $147 one-time setup
No recurring fee · One-time only
Essential financial tracking for individuals who want to understand and organize their finances independently.
  • Income & expense tracking
  • Assets & liabilities
  • Goals with target amounts
  • Bucket system (short/mid/long)
  • Basic financial scores
  • Client portal access
  • Data export
  • Advanced projections
  • Debt engine
  • AI recommendations
Get Started
Most Popular
PRO
$19/month
+ $147 one-time setup
Stripe-secured · Cancel anytime
The complete planning suite for clients who want deep analysis and a professional-grade financial plan.
  • Everything in CORE
  • Debt engine (avalanche/snowball)
  • Wealth & retirement projections
  • Monte Carlo simulation (500 runs)
  • Protection gap analysis
  • Education planner
  • Decision engine & flags
  • Income tax estimation
  • Scenario compare panel
  • Financial health timeline
  • Buy vs. Rent calculator
  • Risk tolerance assessment
Subscribe to PRO →
Full Suite
PRO+
$39/month
+ $147 one-time setup
Stripe-secured · Cancel anytime
Everything — advisor collaboration, AI recommendations, and every advanced planning module.
  • Everything in PRO
  • 🏦 Plaid bank-account integration — auto-import transactions from your real accounts
  • Buy vs. Rent calculator
  • Risk tolerance questionnaire
  • AI-powered recommendations
  • Advisor collaboration tools
  • Couple/household linking
  • Document vault
  • Two-way advisor messaging
  • Net Worth Statement
  • Priority advisor support
  • Advanced reporting
  • Full compliance history
Subscribe to PRO+ →
For Advisors

Advisors always get full PRO+ access regardless of client tier — no setup fee. Your dashboard, client management, AI tools, reporting, and compliance features are all included at no cost to you.

Early Users

What people are saying

★★★★★
"Finally a platform that lets me show clients their exact financial picture in real time during our sessions. The score system makes it easy to explain complex situations in seconds."
MR
M. Rodriguez
Independent Financial Advisor
★★★★★
"I used to have no idea where my money was going. After one session with PFOS I had a full breakdown, a plan, and scores that actually told me where to focus. Game changer."
TL
T. Lewis
PFOS Client
★★★★★
"The Monte Carlo retirement projections gave me actual confidence numbers, not just a guess. Seeing '87% success rate' at my target retirement age made the whole plan feel real."
JK
J. Kim
PRO+ Subscriber
📅 Request a Demo or Consultation

See PFOS in action

Book a 30-minute walkthrough with the Architected Systems team. We'll show you the full platform, answer your questions, and help you get set up — no pressure, no commitment.

✅ Request submitted! We'll reach out within 1 business day to confirm your demo time.
FAQ

Common questions

How does billing work?
All billing is handled through Stripe, the same encrypted payment infrastructure used by millions of businesses. You'll pay your one-time setup fee ($147 individual / $297 couples) when you create your account, then your monthly subscription begins on the same date each month. You can change plans, pause, or cancel anytime from your portal — there are no annual contracts and no cancellation fees. We'll email you a receipt for every charge.
What does the one-time setup fee cover?
The setup fee ($147 individual / $297 couples) covers your account configuration, household linking for couples, calculator access provisioning, and onboarding support. It is a one-time charge — once paid, you have permanent access to your CORE features at no recurring cost, and can subscribe to PRO or PRO+ monthly tiers anytime.
How does Plaid bank-account integration work? PRO+
PRO+ accounts can connect their real bank, brokerage, and credit card accounts through Plaid — the industry-standard secure data bridge trusted by thousands of financial apps. Plaid uses bank-level 256-bit encryption, never shares your credentials with us, and gives you read-only access (we can see balances and transactions, never move money). Once connected, transactions auto-categorize into your spending dashboard and balances update in your net worth view. You can disconnect any account anytime from your portal — your historical data stays, but live syncing stops immediately.
What calculators are included?
PFOS includes 62 financial calculators across 13 categories: Quick Tools, Free Assessments, Loans & Housing, Student Loans (5 tools), Investing & Fees, Insurance & Protection, Infinite Banking (IBC), Retirement Planning, Tax Strategy, Estate & Legacy, Life Events, Behavioral Finance, and Specialty Situations. Every calculator includes visual results, advisor-ready recommendations, and compliance disclaimers where applicable. Calculator availability varies by tier — CORE includes Quick Tools and Free Assessments, PRO unlocks the full planning suite, and PRO+ adds advanced/specialty tools.
Do I need a financial advisor to use PFOS?
No. PFOS works independently with AI-powered recommendations, 62 calculators, health scores, and the full planning suite — no advisor needed. If you ever want professional guidance, you can request an advisor consultation directly from within the platform. Many users start solo and add an advisor later when they're ready.
Can I change or cancel my plan?
Yes — anytime, with no penalties. You can upgrade, downgrade, or cancel your monthly subscription from your portal. Cancellations take effect at the end of your current billing period (you keep access until then). Your CORE-tier access (which the one-time setup fee covers) remains active even if you cancel monthly subscriptions, so your data and basic tools stay with you.
Is my financial data secure?
Yes. All data is stored in Supabase with row-level security enabled — meaning each user can only access their own data. Connections are encrypted via HTTPS, payments are processed by Stripe (PCI-DSS Level 1 certified), and bank-account integrations use Plaid's read-only encrypted bridge. We never sell your data and it is never used for advertising. You can request a full export or deletion at any time from your portal.
How does the AI recommendation feature work?
Advisors can trigger an AI analysis of a client's full financial profile. The system sends your data (not your identity) to Claude AI which returns specific, prioritized recommendations. These are saved as drafts — the advisor reviews every one before it becomes active. Clients never see AI-generated content that hasn't been reviewed by their advisor.
What is the difference between an advisory client and a product client?
Advisory clients are linked to a specific financial advisor who manages their profile, generates reports, and provides recommendations. Product clients use PFOS independently without an assigned advisor — they have access to all planning tools but manage their own data. Product clients can request an advisor consultation from within the platform at any time.
Can couples use PFOS together?
Yes. PFOS supports Joint, Separate, and Hybrid household modes for linked couples. Joint households share a single unified financial profile. Separate households maintain independent data but advisors can view both. Hybrid mode allows shared goals and tracking while keeping individual data separate.
Can I give feedback or request features?
Absolutely — and we actively want you to. Click the blue feedback button in the bottom-right corner of any page to submit feedback, report a bug, or request a feature. We review every submission and many directly influence what we build next.
How do I register as an advisor?
Click "Get Started" and register with your email. Advisor accounts go through a brief approval step — typically approved within 1 business day. Once approved you'll have full access to the advisor dashboard and can start adding clients immediately.
Get Started

Your financial operating system is ready

62 calculators. AI-powered recommendations. Bank integration via Plaid for PRO+. The most complete personal financial planning platform available — built for advisors, clients, couples, and individuals who want to actually understand and improve their financial picture. Use it your way.

🚀 Create Account → 📅 Book a Demo

One-time setup fee · Then monthly subscription · Cancel anytime

💬 Share Your Feedback

Your input directly shapes what we build. Report bugs, request features, or tell us what you love. Every submission is reviewed.

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