Financial Planning
A live financial statement, AI-assisted factfinder and Monte Carlo stress tests help clients explore goals and possible futures.
Explore plans and scenarios WHEN PERSONAL FINANCIAL INFORMATION MEETS AI, MAGIC CAN HAPPEN
The Personal Financial Operating System. Powered by AI.
One intelligent home for your clients’ financial lives. Entirely within your institution’s brand.
Bring financial planning, personal budgeting, investment insights, tax organization, and approachable AI companions together in one secure client experience.
More than a chatbot. An everyday financial experience.
01White-labeledDesigned around your institution
02One financial viewPlanning, budgets, investments & taxes
03AI-powered guidanceFive financial AI personalities
04Human connectionConsent-based advisor handoff
ONE FINANCIAL OPERATING SYSTEM
All the essential tools. One connected experience.
VERU 365 is not simply a chatbot added to a website. It is a white-labeled personal financial operating system where clients can understand their financial picture, work through decisions, and ask questions as life changes.
Offered at no charge to the institution’s clientsPersonal Budgeting
Plaid-linked account information, AI expense categorization and cash-flow forecasts bring spending habits into focus.
See where money goesInvestments
Linked financial accounts, portfolio analysis and plain-language market explanations make investment information more accessible.
Understand the portfolioTaxes & Documents
A secure File Vault for documents such as Form 1040, with automatic redaction. More than 250 personalized strategies to help minimize your tax liability.
Keep important details togetherThe value is in the connection.
YOUR AI COMPANIONS
One connected platform. Five helpful personalities.
Veru leads the conversation. Freddy, Anna, Harvey and Zoey bring their own voice and areas of financial knowledge. Hover, click or tap to meet each one.
Veru is your captain.
Four specialists, ready to help.
Interactive demo, sample data
BUILT TO FEEL LIKE YOURS
Your brand is the front door to a financial plan that works.
Plans are built from a snapshot of one day’s balances. Life keeps moving. A job loss, a health crisis, or a market drop breaks the plan, and the client has nobody to ask until their next review.
See it in your brand
Interactive demo, sample dataType a name and pick a color. The demo on the right re-brands itself, the same way the admin dashboard lets an institution set its own name, logo and colors.
YOUR COMPANYPowered by VERU 365
Will you have enough to retire?
Move a slider. 1,000 simulated lifetimes re-run instantly.
Retirement success rate
…
running simulation…
Net worth over time
Median path with the 10th to 90th percentile band
Life Event Stress Test
Plans are built from one day's balances. Add the events life actually throws, and watch the plan respond.
Simulation runs in your browser with simplified assumptions (annual returns drawn from a normal distribution, 2.5% inflation, no taxes). In the product, Freddy builds the plan from the client's fact finder and linked accounts, and it updates as balances change.
Spending breakdown
Where the money went this month. Hover a category.
Cash flow
Monthly income vs spending, with the forecast for next month.
Net cash flow
…
Savings rate
…
12-month effect
…
Try a change
Zoey suggests trims; the client decides.
AI categorization
Plaid brings the transactions in; rules and AI label them so the client never has to.
Sample transactions. Real data flows in through Plaid with the client's consent and stays inside the institution's tenant.
Stock Analyst
Pick a ticker. Harvey the Hedgehog gives an opinionated, plain-language read.
Ticker
AAPL
Apple Inc.
Last price
…
…
Price history
Candles, 50-day average and volume
Illustrative Synthetic price series for the demo. The product charts live market data and never gives personalized investment recommendations.
Savings vs. IRS audit risk, tax year 2026
Move the meter toward aggressive to include strategies that carry more audit or rejection risk.
IRS audit meterBalanced
ConservativeAggressive
Estimated federal savings
…
of up to $222,780 if fully aggressive
↗ Significant opportunity
IRS audit meter
…
Highest risk level included
Medium audit risk
Strategy snapshot
…
Applicable strategies at this setting
…
Highest IRS audit risk included
| Strategies analyzed | 255 |
| Need more details | 45 |
| Specialist review | 1 |
File Vault: redaction before any AI reads it
Uploaded documents are redacted before a model sees them.
Form 1040 (2025) Filing status: Married filing jointly
Name: Jordan A. Whitfield SSN: 412-55-0198
Address: 88 Harbor View Rd, Alameda CA 94501
Line 1a Wages, salaries, tips 148,250
Line 2b Taxable interest 1,912
Line 11 Adjusted gross income 171,004
Routing: 121000358 Account: 0045 8812 7731
Possible opportunities to discuss, not tax advice
Each strategy carries an estimate, a risk level, and what it needs from the client.
Estimates are federal only, rely on the information entered, use simplified assumptions, and may overlap. A qualified tax professional verifies eligibility before anyone acts.
Have a question? Veru and the specialist AI team help you explore it. STRAIGHT FROM THE PLATFORM
Not a mock-up. The product, as it runs today.
These are unretouched screens from our demo organization. Every one of them is already branded to the institution that deploys it: name, logo, colors and the AI team's voice.
app.yourinstitution.com
Demo organization
ONE BRANDED CLIENT JOURNEY
From secure entry to meaningful engagement.
Four steps connect self-service financial education to the human relationships that make institutions valuable.
01◉
Verified entry
Identity verification before access, as outlined in VERU 365’s platform model.
02✳
Explore in your brand
Clients use connected tools and ask financial questions on your site.
03≋
Educate and explain
AI companions provide explanations within your firm’s compliance rules, not personalized investment recommendations.
04↗
Connect to a person
With client consent, advisors can receive relevant context when human advice is appropriate.
Self-service intelligence, with the human relationship still at the center.
SECURITY & FIRST PRINCIPLES
Built for the trust clients place in their financial lives.
Before anyone can use the platform, we verify their identity with a biometric facial scan and a government ID check. That keeps bad actors out, and it is the first step toward the KYC and AML rules regulated financial firms have to meet. We run on hardened Google Cloud.
Identity first
Selfie biometric and government ID checks before access.
Encrypted
TLS 1.2 or higher in transit and AES-256 at rest on Google Cloud.
Isolated by firm
Each firm’s data, including its search indexes, is separated by the database itself.
Document redaction
Uploaded documents are redacted before any AI model sees them. No client data is used to train AI models.
Audit trail
Archived conversations cannot be edited or deleted, and every plan we send is fingerprinted so it can be proved unchanged.
Algorithmic Audit Trail & Verification Protocols
Rules, not guesses
Language models are probabilistic. Ours are paired with explicit business rules and logic tables, so routing and escalation decisions are made by code rather than by the model.
Model Logic // GuardrailTamper-evident records
Archived conversations cannot be edited or deleted, and every plan we send is fingerprinted so it can be proved unchanged. Access to client data is logged.
Audit Log // Fingerprinted PlansIncident response
Our data handling follows Regulation S-P, our Identity Theft Prevention Program, and an incident response plan being adopted.
SecOps // Protection LifecycleMulti-Tenant Data Sovereignty & Isolation Framework
Row-level security
Every database query is scoped to one tenant ID, carried in a signed JWT and enforced by PostgreSQL itself rather than by application code.
Separated by the database
Each firm’s data, including its search indexes and conversation history, is separated by the database itself. A query for one firm cannot reach another’s rows.
Redaction before the model
Uploaded documents are redacted before any AI model sees them. No client data is used for training.
Deployment controls
Every release is built from reviewed code by Google Cloud Build and deployed to Cloud Run. Distributed tracing lets us see when one client’s load starts affecting another.
CONTINUITY
Continuity, Interoperability & Strategic Vendor Oversight
Our integrations with Plaid and 3-rd party data providers run under signed data-handling agreements, and we review those vendors on a schedule. Clients see and approve what gets shared before it moves. Data is encrypted with TLS 1.2 or higher in transit and AES-256 at rest.
01
Privacy
Users own their information and choose what to share, and with whom.
02
Fungibility & intelligence
Money moves where it is treated well; the firm should be there when the client is ready.
03
Security
Secure identity verification, segregated data, PII redaction and auditability.
04
Value
Useful, trusted engagement is the foundation of lasting relationships.
THE INTELLIGENCE LAYER FOR YOUR INSTITUTION
PAGO is our algorithm to determine the lifetime value of the customer relationship.
PAGO stands for Person, Assets, Goals, and Obstacles.
A traditional annual review is a snapshot that goes stale between meetings. PAGO reads ongoing signals as the client plans, budgets and asks questions, and surfaces them to your team, so the right human connection arrives at the right time.
PAGO score · try itInteractive demo, sample data
Step 1 of 4
RISK-FREE TOP-OF-FUNNEL CLIENT ACQUISITION
Your institution’s platform. A usage-based model.
The entire engine is white-labeled for use by banks, CPAs, and wealth managers. Institutions provide this AI as a complimentary service to build financial literacy and convert cold leads into engaged prospects. The business model is risk-free for the organization; they only pay $9.95 a month for users who are highly engaged. All other usage is free. This structure allows firms to broadly distribute the app as a top-of-funnel tool with no financial downside if the users don’t engage.
Value Proposition: Pay only for high engagement ($9.95/mo per engaged user). Broad distribution with zero downside risk, transforming static financial content into an interactive lead acquisition and customer retention channel.
The Ultimate Payoff: Seamless Advisor Handoff
The ultimate payoff is the handoff: the moment digital education matures into a need for high-value human interaction. Users who are ready for professional advice can book a meeting with their designated human advisor directly through the AI platform. Because the AI has pre-processed the user’s financial statements and context, the human advisor arrives at the meeting with the facts already in hand. The institution gains an educated client at a low acquisition cost, allowing the advisor to focus on high-level strategy and long-term relationship building.
BUILT FOR
Banks & credit unionsWealth managers & RIAsHedge fundsCPA firmsInsurance agenciesEmployers & municipalities
WHITE-LABEL PLATFORMUsage-based
$9.95/ month
per highly engaged user · all other usage is free
- ✓ Complimentary service for your clients
- ✓ White-labeled to your institution
- ✓ Zero downside if users don’t engage
- ✓ Seamless advisor handoff with client consent
Active Client Engagement Tracker
Sample data, demo organization| User ID / Email | Biometric ID | Chats | Tokens | Minutes | Status |
|---|---|---|---|---|---|
| Demo Client 1k+demo1@veru365.com | YES | 6 | 12.7K | 1 | Active |
| Demo Client 33k+demo33@veru365.com | YES | 7 | 12.5K | 1 | Active |
| DEMO-EB6B8CData sharing disabled | YES | 6 | 11.7K | 1 | Active |
| Demo Client 27k+demo27@veru365.com | YES | 4 | 6.4K | 0 | Active |
| DEMO-D2C571Data sharing disabled | YES | 5 | 6.2K | 0 | Active |
Model Infrastructure & Consumption
Sample data, demo organization| Model Name | Messages | Input Tokens | Output Tokens | Total Tokens |
|---|---|---|---|---|
| freddy-power-gemini-2.5-flash | 65 | 52.6K | 11.9K | 64.4K |
| freddy-seed-gemini-2.5-flash | 50 | 0 | 0 | 0 |
YOUR BRAND. ONE INTELLIGENT FINANCIAL HOME.
Put the Personal Financial Operating System under your name.
Give your clients a more complete financial experience and keep their most important financial conversations close to home.
