Your advisor
Frankie · Your AI advisor
Ask anything about your money. Frankie reads your whole financial picture and pulls any calculator your question needs, all in one conversation.
"I just sold a condo, what should I do with the cash?"
All features · The long view
What Frankie actually does.
Section 02 · Meet Frankie
Meet Frankie, your AI advisor.
One advisor, the whole tool-belt. Frankie reads your financial picture and runs every calculator. Answers in CAD, with sources.
Section 03 · Ask in plain Canadian
Ask in plain Canadian. Answers come back with sources.
No prompt engineering, no jargon. Type the question you actually have.
From Frankie · Advisor
Can I retire at 58 with a LIRA and a rental in Burlington?
On your inputs, LIRA $312k, rental net $1,940/mo, no DB pension, yes, with a 14% safety margin. The rent-vs-sell math flips at age 71 if the cap-rate falls below 4.2%.
5 sources · CPP at 65, LIF max formula, Ontario rent guideline 2026
From Frankie · Advisor
What does an RRSP-to-TFSA meltdown look like between 65 and 71?
Withdrawing $22,000/yr from the RRSP keeps you in the 30.5% combined bracket and rebuilds $132k of TFSA room without triggering the OAS Recovery Tax. Net lifetime tax saved: $41,300.
2026 federal + ON brackets, OAS threshold $95,323
From Frankie · Advisor
How does the OAS clawback at $95,323 hit my plan?
Two years of clawback at $1,420/yr if you take CPP at 65 and draw the full RRIF minimum. Defer CPP to 67 and the clawback disappears entirely, and lifetime CPP rises $34k.
OAS Recovery Tax 15%, CPP age multiplier +0.7%/mo after 65
Ask Frankie anything, CPP, OAS, TFSA, RRIF, FHSA. Live for signed-in members.
Open the books →Section 06 · The posture
What we will, and will not, do.
Four tenets, plainly stated. We hold ourselves to them; you should too.
- i.
Educational guidance only
We are not a registered investment dealer. Frankie's answers are planning models, not advice to buy or sell.
- ii.
RLS-isolated household data
Row-level security on every read. Your household ledger is unreadable to any other account in the database, including ours.
- iii.
No bank-login scraping
No third-party aggregation. No read-write API into your accounts. You upload statements you already receive, CSV, PDF, or screenshot.
- iv.
On-device parsing where possible
Statements are parsed in the browser when the file shape allows. Server fallback only when the layout requires it.
Section 05 · Questions
Common questions, honest answers.
Not seeing yours? Email us and a human writes back, not a sequence.
Is the Reader tier really free?
Yes. Reader is free forever: one base-case scenario, Frankie your AI advisor, five AI dispatches a month with a fifty-dispatch lifetime cap. No card on signup.
Why is the Reader tier limited?
Every AI dispatch runs on paid model APIs. Capping Reader at five a month and fifty total keeps the tier sustainable without ads, without selling your data, and without putting a meter on your wallet.
How is this different from a US retirement planner?
Tools built for US tax law assume IRS rules: IRA / 401(k) wrappers, Social Security multipliers, RMD at age 73. Invest Wise Way is built on CRA tables instead: CPP enhancement multipliers, OAS Recovery Tax, RRIF minimums by age, provincial brackets, FHSA + RESP rules. Numbers in CAD, never USD-converted.
Do you sell my data or read my bank account?
Never. PIPEDA-aligned. Canadian Supabase residency. AES-256 at rest, TLS 1.3 in transit. We do not request bank-login credentials; you bring statements (CSV or PDF) and the parser runs on-device where possible.
Can I cancel?
One click in your account. Annual plans pro-rated for the first 30 days. After that, the remainder of the term runs to the renewal date.