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Planner.bot
Planner.bot automates financial planning through algorithmic portfolio construction, licensing planning-as-a-service APIs to RIAs and fintech platforms.
Planner.bot
Planner.bot was built to automate the financial planning workflows traditionally delivered by human advisors. The firm's core technology ingests client goals, risk tolerance, and tax parameters, then generates optimized portfolio allocations using Monte Carlo simulation and mean-variance models. Known deployment channels include white-labeled integrations with registered investment advisors and consumer-facing robo-advisory interfaces. The firm's strategy centers on software-only distribution of planning logic, covering taxable brokerage accounts, retirement accounts, and education savings vehicles. Its API-first architecture allows partner platforms to embed planning modules directly, rather than routing clients to a separate app. Portfolio implementation typically maps to low-cost ETFs across equity and fixed income, with rebalancing triggered by drift thresholds rather than calendar dates. The operating model avoids discretionary asset management licensing; Planner.bot generates revenue through SaaS subscription fees or per-plan charges. The firm does not publish team size or office locations. No recent funding rounds or acquisitions are on public record. Planner.bot's structural distinction lies in its unbundling of financial planning from asset management and human advice. While large incumbents bolt planning tools onto existing custodian relationships, Planner.bot sells the plan itself as the product — a posture that pits it against both legacy planning software and full-stack robo-advisors.
General information
Firm type
Asset Manager
Year founded
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AUM
Undisclosed
Location
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City
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Corporate office
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Sector focus
Frequently asked questions
How does Planner.bot source its planning assumptions and capital market expectations?
Planner.bot's optimization engine runs on forward-looking capital market assumptions that are either sourced from third-party data providers or maintained internally by its quantitative team. The platform typically uses Monte Carlo simulation to stress-test goal achievement across thousands of scenarios. Exact assumption providers are not publicly disclosed, which is common among planning-software firms.
Does Planner.bot hold discretionary authority over client assets?
No. Planner.bot functions as a planning technology provider, not a discretionary asset manager. It generates recommended allocations based on client inputs, but trade execution and custody remain the responsibility of the partner RIA or the end client. This architecture keeps the firm outside of direct SEC registration as an investment adviser.
What investment methodology does the platform use for portfolio construction?
The platform employs mean-variance optimization derived from Modern Portfolio Theory, layered with goal-based constraints such as near-term liquidity needs and tax sensitivity. Portfolios are typically constructed from low-cost ETFs covering core equity and fixed income asset classes. The methodology is rules-based and designed to remove behavioral bias from the allocation process.
How does Planner.bot integrate with existing advisor technology stacks?
Planner.bot offers API endpoints that allow wealth management platforms to embed planning workflows directly into their own interfaces. This white-label approach means an end user never sees the Planner.bot brand; the planning module appears as a native feature of the advisor's or fintech's platform. Integration depth varies by partner, but the design targets custodial and CRM-agnostic deployment.
Is Planner.bot considered a robo-advisor?
Strictly, no. A robo-advisor typically combines planning, portfolio management, and custody under one regulatory umbrella. Planner.bot unbundles the planning layer and sells it as standalone software. Partners can use it to power a robo-advisory offering, but the firm itself does not onboard clients, hold assets, or execute trades.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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