Your whole financial plan, with every number shown.
AI that brings every advisor's knowledge together — for you. It maps your whole financial life into one plan, finds the gaps and gives you the next step, with the numbers behind it.
Education and planning software, not a registered investment adviser.
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This is the real Ask VeraLife. It answers from VeraLife.ai’s strategy pages and articles, and numbers its sources so you can read them yourself.
- Plain words, with the numbers
- Every answer cited
- No sign-up, no sales call
General education, not personal advice. Please don’t type personal details. How chats are handled
Ask VeraLife
VeraLife is thinking…
Education, not personal advice.
See a whole plan on one screen
This is how the planner lays out a family’s money: one score, the net-worth trend, eight pillars, the biggest gaps and the next steps in order. The family is fictional and every number is illustrative.
The Harper family (illustrative)
Dana (41) and Marcus (43), two children aged 9 and 12. A fictional family. Every number is made up for this example and is not a recommendation.
Plan score
Needs work
The average of the 7 pillars that apply to the Harpers. Business doesn't, so it is left out.
Net worth
$338,000 +$150,000 since 2021
Show the numbers as a table
| Year | Net worth |
|---|---|
| 2021 | $188,000 |
| 2022 | $205,000 |
| 2023 | $241,000 |
| 2024 | $276,000 |
| 2025 | $307,000 |
| 2026 | $338,000 |
Balance sheet today
| Cash and emergency fund | $14,000 |
|---|---|
| Retirement accounts | $186,000 |
| Brokerage account | $22,000 |
| Home | $420,000 |
| Vehicles | $26,000 |
| Assets | $668,000 |
| Mortgage | −$298,000 |
| Auto loan | −$14,000 |
| Credit card | −$6,200 |
| Student loan | −$11,800 |
| Debts | −$330,000 |
| Net worth | $338,000 |
The 8 pillars
Select a pillar to see what the planner found and the strategy behind it.
Plan
On track · 70 / 100Goals are written down and net worth is tracked every year.
- Net worth today
- $338,000
- Change since 2021
- +$150,000
- Written goals
- College for two, retire at 62
Cash flow
Needs work · 52 / 100Spending is under control, but the reserve is thin and a card balance is costing 22%.
- Take-home pay
- $9,200 a month
- Essential spending
- $5,600 a month
- Emergency fund
- $14,000 (2.5 months)
- Common range (3 to 6 months)
- $16,800 to $33,600
- Credit card
- $6,200 at 22% APR
Protect
Gap · 38 / 100Marcus has only group life cover through work, which usually ends if he leaves the job.
- Need (DIME method)
- $1,165,000
- Group life at work
- $196,000
- Savings that would count
- $36,000
- Gap
- $933,000
- Own disability cover
- None yet
Grow
On track · 66 / 100Low-cost index funds, added to every month and rebalanced once a year.
- Invested
- $208,000
- Home equity
- $122,000
- Monthly investing
- $1,350 into workplace plans
Taxes
Needs work · 58 / 100Every retirement dollar is pre-tax, and an available HSA is not being used.
- Retirement accounts
- All pre-tax, no Roth
- HSA
- Eligible, not opened
Retire
Needs work · 61 / 100Saving steadily, but there is no plan yet for turning savings into monthly income.
- Retirement accounts
- $186,000
- Saving
- $1,350 a month, with the match
- Income plan
- Not built yet
Legacy
Gap · 30 / 100No wills, and no guardian named for the children.
- Wills
- None
- Guardian for the children
- Not named
- Beneficiaries
- Set on work accounts only
Business
Not needed yetThe Harpers do not own a business, so this pillar is left out of their score.
- Business owned
- None
Top gaps
- 30 Legacy
No wills or named guardians - 38 Protect
About $933,000 life cover gap on Marcus - 52 Cash flow
Emergency fund at 2.5 months; $6,200 card at 22%
Next-best steps
- Write wills and name a guardian Two children and no named guardian is the biggest gap in the plan, and the cheapest to close.
- Close the life cover gap on Marcus The DIME need is $1,165,000. After $196,000 of group cover and $36,000 of savings, about $933,000 is uncovered.
- Clear the $6,200 card $520 a month pays it off in 14 months, with about $861 of interest.
- Move that $520 to the emergency fund $2,800 more reaches 3 months ($16,800) in 6 months, on the way to 6 months ($33,600).
- Open the HSA They are eligible and not using it. An HSA can be a tax-advantaged retirement account as well as a health fund.
Ordered as in our guide, The order of financial priorities: protection, then high-interest debt, then the full emergency fund.
From questions to a plan in four steps
-
Answer a few questions
Income, spending, debts, accounts, cover and goals. Start today with the free Wealth Strategy Score.
-
AI maps your plan
Every number lands in one of eight pillars, and each pillar gets a score.
-
See the gaps and steps
Your biggest gaps and the next-best steps, in order, with every number shown.
-
Act when you choose
Compare quotes, talk with a strategist, or use the tools. Nothing happens unless you choose it.
What it does that an advisor can’t
You’ll never need a financial advisor again.
AI that brings every advisor’s knowledge together — for you.
Always on
Ask at 11 pm on a Sunday. The planner answers 24/7, every day, with no appointment to book.
Every number shown
Each step comes with the maths behind it, so you can check it instead of taking it on trust.
No sales target
Strategy comes first. Insurance and other products are tools inside your plan, used only where they fit.
Cited sources
Answers link to the articles and public sources they rest on, numbered, so you can read them yourself.
Every strategy in one place
Cash flow, protection, growth, taxes, retirement, legacy and business, in one plan instead of a different specialist for each.
Always current
Your plan updates as your numbers change, not once a year at a review meeting.
A traditional advisor and your AI planner
| Topic | Traditional advisor | VeraLife.ai AI planner |
|---|---|---|
| When | Business hours, by appointment | 24/7, every day |
| Cost | Fees, minimums or commissions | One subscription, from January 1, 2027 |
| Range | One person's specialties | Every strategy, in one plan |
| Incentives | Can be paid by products and incentives | Strategy first; insurance is only a tool |
| Reviews | A yearly review | Your plan, updated every day |
| Proof | "Trust me" | Answers with cited sources |
A general comparison, not about any particular firm. How fees add up: The true cost of fees. VeraLife.ai is education and planning software, not a registered investment adviser, broker-dealer or insurance agency, and does not give personalised investment advice. Examples are illustrative.
What happens to your information today
Only what is true on this site now. The VeraLife.ai app may have its own privacy terms, published before it launches.
The sample plan stays on this page
The Harper dashboard is fictional and makes no network calls. What you click on it never leaves your device.
This pageYour score runs in your browser
Wealth Strategy Score answers stay on your device unless you choose to send them, for example with a waitlist sign-up.
Privacy policy, section 3Chats are not stored by our server
Ask VeraLife sends your question to an AI service to answer it. Please don’t type names, account numbers or health details into the chat.
Privacy policy, section 6No ad tracking, no selling
No advertising cookies or cross-site tracking. We don’t sell personal information, and we honour Global Privacy Control.
Privacy policy, section 8Safeguards on our hosting
Encryption in transit and at rest on VeraGen.ai Hub’s AWS hosting, with access limited to people who need it.
Privacy policy, section 15Read the whole policy
Who we share data with, how long we keep it and your rights.
Privacy policy
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Questions about the AI planner
Is the AI planner a financial advisor?
No. VeraLife.ai is education and planning software, not a registered investment adviser, broker-dealer or insurance agency. Your AI planner works only for you. When you ask for real quotes, a licensed partner provides them.
Source: VeraLife.ai FAQ
What does “You’ll never need a financial advisor again” mean?
It means AI that brings every advisor’s knowledge together — for you: the strategies, the order to use them in and the numbers behind each step, in one plan you can ask about at any time. It replaces the sales call, not the thinking, so you understand your own plan.
Source: VeraLife.ai FAQ: the AI planner
Where do Ask VeraLife’s answers come from?
From VeraLife.ai’s own content: the strategy pages and articles on this site. Answers list their sources as numbered links, so you can open the page an answer rests on.
Source: Privacy policy: the AI assistant
Can the AI make mistakes?
Any AI can. That’s why every answer shows the numbers and the reasoning behind it, so you can check it rather than just trust it. Answers are general education, not personal advice.
Sources: VeraLife.ai FAQ · Disclosures
What happens to what I type into the chat?
Your question is sent through VeraGen.ai Hub to an AI model provider to produce the answer. The conversation is not stored by our server. Please don’t type your name, contact details, account numbers or health details into it.
Source: Privacy policy, section 6
Is the Harper family real?
No. The Harpers are a fictional, illustrative family, and every number in their plan is made up to show how the planner lays a plan out. It is not a recommendation for anyone.
Source: The sample plan on this page
How much emergency fund do I need?
A common range is three to six months of essential spending, not income, and more if your income is irregular. The CFPB adds that the amount depends on your situation, and suggests looking at the unexpected costs you’ve had before.
Sources: Emergency funds that earn · CFPB: building an emergency fund (opens in a new tab)
How does it size life insurance?
With the two methods in our guide: DIME adds up debt, income, mortgage and education, and human life value estimates the earnings your family relies on. Then it subtracts the cover and savings you already have. New York’s Department of Financial Services also says to consider the assets and income your dependents would have.
Sources: How much life insurance do I need? · New York DFS: life insurance (opens in a new tab)
What should I do first?
Most households work up a ladder: cover essentials, build a starter emergency fund, capture any employer match, protect your income and family, pay off high-interest debt, then finish the full emergency fund. The planner puts your own numbers on each rung.
When can I start, and what does it cost?
Plans become available January 1, 2027, and you can reserve your spot now. The strategy library and the Wealth Strategy Score are free today.
Sources: Plans · VeraLife.ai FAQ
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Join the waitlist and we’ll tell you the moment plans open. Until then, the strategies, Ask VeraLife and the Wealth Strategy Score are here for you.
VeraLife.ai is education and planning software, not a registered investment adviser, broker-dealer or insurance agency, and does not give personalised investment advice. Examples are illustrative.