The founder
500 businesses · automation-first · operator, not advisor
Built and ran enough businesses to know what works, what wastes time, and what a real ROI-prioritized plan looks like — not the kind a CFP fills out from a script.
The gap
Every finance product I tried was either a budgeting app telling me what I'd already spent, or a $400/hr advisor with a 90-minute intake and a template email. Neither answered the question I needed every month: what's the highest-leverage move I should make this week?
That answer changes every month — markets move, bills land, income fluctuates. A static plan goes stale in 30 days, and a human advisor doesn't scale to a weekly check-in. So most people do nothing.
The system
MoneySmith does two things. The Master Plan runs your 60-second quiz through the same heuristics an operator would and returns a blueprint specific to you — the WHAT, with explicit ROI ranking on every action.
The AI Coach (Compass and above) keeps that blueprint in context and answers the WHEN: “prepay the car loan now or wait until Q2?” The blueprint tells you what to do. The Coach tells you when.
Why subscriptions exist
A one-time blueprint is a snapshot, and real finances aren't static. Subscriptions (Spark, Compass, Atlas) exist because the value is continuous: refreshed plan checks, real-time decision support, and a Coach that remembers your last six conversations.
Every tier carries the same 3-day refund and cancels in two clicks. The point is to deserve the renewal, not to trap it.
What I won't do
- Sell your data. No ad networks, no affiliate stuffing, no third-party offers. Stripe, Supabase, Resend — that's the full third-party surface.
- Pretend to be a CFP. Operator-built strategy software, not licensed advice. Consult a fiduciary for anything binding.
- Ship features that don't pay for themselves. Every surface either makes you better at allocating capital or it doesn't ship.
Try it in 60 seconds
The quiz is the fastest way to see if MoneySmith fits. No email to see the recommendation — only to generate the blueprint. Or skim the full FAQ first.
Take the quiz →Questions: support@qol.one