🚀 SOFT LAUNCH — FREE FOR EVERYONE · No credit card required · You'll receive 30 days notice before any paid plan activates · See plans →
🎉 Now in Soft Launch — Free Access for All
Architected Systems Presents

Your Personal Financial
Operating System

The complete financial planning platform that gives advisors and their clients a shared, real-time view of financial health — with scores, projections, recommendations, and a full action plan in one place.

🚀 Start for Free → 📅 Request a Demo
4
Financial Scores
17
Planning Modules
500
Monte Carlo Runs
∞
Scenarios

🎁 Free During Soft Launch

We believe everyone deserves access to institutional-grade financial planning tools. During our soft launch, every tier — including PRO+ — is completely free. You'll receive a 30-day heads-up email before we ever charge anyone, with full flexibility to choose the plan that fits you or cancel entirely. No surprises. No hidden fees.

We're also looking for feedback during this period. Tell us what works, what doesn't, and what you'd love to see. Every suggestion gets reviewed.

FREE
Soft Launch Price
All tiers included
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

📊
17-Step Financial Analysis
Comprehensive workflow covering income, expenses, assets, debts, goals, retirement, protection, education, tax estimation, and more — all in one structured session.
🎯
Debt Engine
Choose avalanche or snowball payoff strategies. Full amortization modeling with payoff timelines, interest saved, and DTI tracking across all your debts.
📈
Monte Carlo Projections
500-run retirement simulations that account for market variability. See your probability of success at different retirement ages and income levels.
🏡
Buy vs. Rent Calculator
Month-by-month simulation comparing buying and renting over any time horizon. Includes appreciation, rent growth, opportunity cost, and break-even year.
🛡️
Protection Gap Analysis
Life insurance coverage calculator that factors in income replacement, debts, dependents, mortgage, and final expenses — with a precise gap amount.
⚖️
Risk Tolerance Questionnaire
10-question assessment that produces a Conservative, Moderate, or Aggressive profile with suggested asset allocations — wired directly into investment recommendations.
💰
Income Tax Estimation
2026 federal tax brackets, standard deductions, FICA calculation, and effective vs marginal rate display — all from your actual income sources and contributions.
🎓
Education Planner
Multi-child college cost projections with tuition inflation, 529 account tracking, and funding gap analysis across different time horizons.
🔄
Scenario Compare
Run two financial strategies side by side — compare debt payoff approaches, retirement contribution levels, or any other strategy before committing.
💑
Couple & Household Linking
Joint, Separate, or Hybrid household modes. Both partners share a unified financial picture while maintaining appropriate data separation.
✨
AI-Powered Recommendations
Claude AI analyzes your full financial profile and generates prioritized, specific recommendations that advisors review and customize before activating.
📅
Financial Health Timeline
A chronological record of every milestone — joined, first report, implemented recommendations, net worth milestones, and score improvements — all in one visual journey.
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
  • Open any client in the PFOS tool — their data loads 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
  • Meeting agenda generator pulls open items automatically
  • Document vault for client files (PDFs, statements, tax docs)
  • Session notes, follow-up reminders, and client messaging
  • Couple/household linking for joint financial planning
  • Client segmentation tags and engagement scoring
  • Revenue dashboard showing MRR and conversion metrics
  • Compliance report export 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
  • View and track all advisor recommendations
  • Download all your financial reports
  • Two-way messaging with your advisor
  • Financial health timeline — your full journey
  • Spending pattern analysis by category
  • Financial literacy tooltips on every metric
  • Net Worth Statement (formal one-pager)
  • Full data export at any time
Access My Portal →
No Advisor Yet?

Use PFOS on your own

Sign up as a product client and run PFOS independently. Get your financial scores, run projections, and use all planning tools — then request an advisor consultation directly from the platform when you're ready.

  • →Full PFOS planning tool access
  • →Financial scores and projections
  • →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 Free →
Pricing

Simple, transparent plans

All plans are completely free during soft launch. Prices shown are what they'll be after launch. You'll receive 30 days notice before anything changes.

🎁
All plans free during Soft Launch
30-day email notice before monetization · Cancel anytime

All individual plans include a one-time $147 platform setup fee (waived during soft launch). Monthly pricing after launch shown below.

Personal
CORE
$0/month
+ $147 one-time setup (free now)
Always free monthly
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 Free
Most Popular
PRO
$19/mo after launch
FREE
+ $147 one-time setup (free now)
Soft launch · $19/mo after
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
Start PRO Free →
Full Suite
PRO+
$39/mo after launch
FREE
+ $147 one-time setup (free now)
Soft launch · $39/mo after
Everything — advisor collaboration, AI recommendations, and every advanced planning module.
  • Everything in PRO
  • 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
Start PRO+ Free →
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 — free, no pressure.

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

Common questions

What happens when the soft launch ends?
You will receive an email at least 30 days before any pricing activates. At that point you can choose to continue on your current plan, switch to a different tier, or cancel entirely. Nothing changes without your explicit awareness and agreement. We will never charge you without notice.
Do I need a financial advisor to use PFOS?
No. You can use PFOS completely independently as a product client. You'll have access to the full planning tool, financial scores, projections, and all modules. If you want to connect with an advisor, you can request one directly from within the platform.
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. 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. During the soft launch we review every submission and many of them 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

Join during soft launch and get full PRO+ access for free. No credit card. No commitment. Just the most complete financial planning platform available — built for advisors and the clients they serve.

🚀 Create Free Account → 📅 Book a Demo

Free during soft launch · 30-day notice before monetization · Cancel anytime

💬 Share Your Feedback

You're using PFOS during soft launch — your input directly shapes what we build. Report bugs, request features, or tell us what you love. Every submission is reviewed.

✅ Thank you! Your feedback has been submitted. We read every single one.