AI Financial Planning Software
Turn Every Customer Into an Engaged Investor.
Plan for your entire base, not just your top 10%. Zero manual input. Instant, personalised financial plans that customers actually engage with.
3x
Customer engagement
75%
Profile accuracy with AI
2.5x
Business growth
Input Data
Age 36
City Mumbai
Family Married, 2 kids
Generated Plan
Projected Net Worth
₹ 8.42 Cr
The Financial Planning Challenge
Traditional planning fails to engage customers - and fails to demonstrate why advisory matters.
Low Engagement
Customers ignore generic, investment-only plans that don't reflect their life situation or goals.
Incomplete Planning
Investment-only views miss the rest - protection, goals, debt, life events, retirement.
Unclear Value
Banks and WMs struggle to demonstrate why customers should pay for planning vs. self-managing.
Only the top 10% of your base gets a real plan. The other 90% stay disengaged.
One Engine. Every Customer. Day One.
Pre-built personas matched to 75% of your base. Plans generated before the customer fills a single form.
AI Engine
Persona Match
Generated Financial Plan
Persona Match
75% to “Mid-career Mumbai dual-income family”
Goals Inferred
Projected Net Worth
₹ 8.42 Cr
Next Best Conversation
Top up term cover · Step up SIP
Every customer gets a starting plan they recognise. Engagement happens before the first form.
Outcomes
Three numbers. Three different ways your business expands.
3x
Customer engagement
with their financial plan vs. industry baseline.
75%
Auto-matched profiles
on day one - no forms, no friction.
2.5x
Business growth
AUM, planning fees, and cross-sell attach combined.
Pillar 1 - Coverage at Scale
Plan for every customer. Not just the top 10%.
AI matches each customer to a persona on day one. The rest fills in as they engage.
- 75% lookalike match - Pre-built personas slot to KYC and holdings on day one. No forms.
- Progressive profiling - Customers fill the gaps voluntarily - because they see a plan they recognise.
- 60% less friction - Drop-offs collapse. Time-to-first-plan goes from weeks to seconds.
Plan 100% of the base. Without scaling headcount.
Persona Library
240+ pre-built profiles
Young Professional
82% match
Mumbai Family
75% match
Pre-Retiree
68% match
Business Owner
71% match
Dual-Income Couple
79% match
NRI Investor
63% match
Customer Profile - Rajesh Kumar
AI prefilled · 75%
Scenario Analysis
Portfolio Projection · Rajesh Kumar
Uncovered Risk
Gap: ₹ 2.5 Cr
Scenario:
Critical IllnessLoss of IncomeMarket ShockLongevityGap
₹ 2.5 Cr
Suggested
Term + DI cover
Premium
₹ 38k /yr
Pillar 2 - Cross-sell via Scenarios
Turn every plan into a cross-sell.
Scenarios surface the gap. Products become a logical answer, not a pitch.
- Instant scenarios - Toggle critical illness, loss of income, market shock - see the rupee impact.
- Quantified gaps - ₹2.5 Cr retirement short. ₹40L cover gap. Specific, not generic.
- Consultative selling - Customers see the gap. The planner architects the fix.
Attach lifts because customers ask - not because they're pushed.
Pillar 3 - Lifetime Value
From transactions to lifelong relationships.
A plan that covers the whole life - not just an investment account.
- Whole-life coverage - Protection, cashflows, assets, goals - one plan that evolves.
- Goal-led conversations - Anchor every chat to Car, Home, Edu, Retirement - not products.
- Sticky by design - The longer the customer stays, the harder it is to leave.
Differentiation from DIY. Higher LTV. The obvious reason to stay.
For the planner-side workbench, see Scaling RMs with AI →
Lifecycle Plan
Protection
42 L
Health Cover
Net Cashflows
52.9 L
Annual
Assets / Liab.
16.3 Cr
Net Position
Investments
9.2 Cr
By 2049
Goals Timeline
Car
2028
13.1 L
Home
2031
2.8 Cr
MS
2035
72 L
Edu
2038
93.1 L
Retire
2049
9.2 Cr
Stakeholder Value
Value for Every Stakeholder.
A shared system that makes the bank, the planner, and the customer all win.
For Banks
- Scale planning across every branch and every channel
- Lift AUM, planning fees, and protection-product attach together
- Differentiate from digital-only / DIY platforms
- Convert self-directed customers to advised relationships
For Planners & RMs
- Walk into every meeting with a ready plan, not a blank form
- Identify the cross-sell automatically - protection, retirement, goals
- Spend time on advice, not on data entry
- Build deeper relationships, fewer transactional ones
For Customers
- See a personalised financial future from day one
- Plan for life, not just investments - goals, protection, retirement
- Model life events with confidence - not anxiety
- Understand exactly what they're paying their planner for
Plugged Into the Valuefy Platform
Not a standalone tool. A planning brain that draws from and feeds back into your existing onboarding, CRM, portfolio, and engagement modules.
Inputs
AI Financial
Planning
Outputs
Every Customer. A Plan. Day One.
Plan for your entire base. Convert every conversation into a relationship.