Introducing the First SEC-Regulated AI Financial Advisor

Money is elemental

Money goes beyond numbers in a spreadsheet. It’s the foundation of how we live. It guides the plans we make, the choices we weigh, and the futures we hope for. It shapes every relationship and every opportunity along the way. And yet, for most people, money doesn’t feel empowering but instead overwhelming. This is not because they don’t care, but because the system is fragmented, confusing, and built for someone else.

When your financial life is scattered across apps and accounts, clarity disappears. What should feel like progress turns into chaos. What should feel like confidence turns into doubt.

Today there are really two financial systems. The wealthy hire teams of advisors, planners, and specialists to optimize every decision, and they might be paying five or six figures for strategies and opportunities most people never see. Everyone else is left piecing together a plan with budgeting apps, robo-advisors, and spreadsheets that never add up to a complete solution. The result is an uneven playing field where a few get clarity and most get confusion.

At Origin, our mission is simple, we aspire to close that gap. To turn scattered data into a clear path forward. To replace noise with clarity and complexity with confidence. Because when you own your wealth, you own your future.

Our vision

Today, we’re giving you your own financial team powered by AI, regulated for safety, and personalized to your life.

Origin is already the leading platform for managing your financial life: income, spending, investments, and net worth all in one place. Now, with AI, we’re taking the next step:

The first full-spectrum AI financial advisor regulated by the SEC
Certified Financial Planner®-level guidance for everyday people
Advisor-grade insights at a fraction of the cost of a human advisor

With Origin, you can ask questions once reserved for high-net worth clients and get answers grounded in your data:

Am I overexposed to tech stocks?
Can I afford an apartment in New York City?
Where can I save an extra $500 a month?
What’s the smartest way to use my RSUs?
Can I still retire at 60 if I have a second child?

The breakthrough

Over the past few years, AI has started to level the playing field. Anyone can ask a model a money question and get a fluent, confident response. For the first time, financial information feels accessible. However, accessibility isn’t the same as accuracy and when it comes to money getting the wrong answer can be not only inconvenient but costly.

Generic LLMs are powerful generalists, but they can break down at the very moments that matter most. They can explain what an ETF is, but not whether your portfolio is overexposed to tech. They can summarize a mortgage, but often miscalculate compound interest. And because they don’t have access to your financial data, their answers stay generic or worse, they ask you to provide it all manually, which quickly overwhelms them. The result is context rot: the more data you give them, the less coherent their reasoning becomes.

Human advisors excel at personalization, but they’re costly, often focus on investments and aren’t always available. That’s where Origin comes in.

We built the first AI financial advisor designed for contextual reasoning combining a multiagent architecture with leading LLMs (Claude 4.1 Opus, Open AI GPT, Gemini 2.5 Flash, and Perplexity Sonar Pro) to deliver advice that’s not only fluent, but grounded in your actual financial life.

Your data, your context: Because Origin already connects to your accounts, every answer is personalized to your goals, spending, and investments.
Multi-agent orchestration: Queries are routed to specialized agents enriched with real-time market data and your history.
Compliance system: Every output is vetted against 100+ fiduciary, privacy, and accuracy standards before it ever reaches you.
Hybrid reasoning: LLMs interpret complex scenarios, while deterministic engines handle the math with absolute precision.

The result is an advisor that scales like AI, reasons like a human, and operates with the rigor required for regulation.

To ensure rigor, we validated Origin against sample Certified Financial Planner® exams, the industry’s gold standard. Testing conditions were held constant across all models: identical exam sets, randomized question orders, controlled prompts, and no access to retrieval tools. This ensured results measured reasoning ability, not memorization tricks.

Origin scored an average of 96.5%
Human CFPs average ~79%
Leading AI models: including GPT, Claude, and Gemini all scored lower

Origin consistently outperformed both human advisors and today’s most advanced AI systems. If you’d like a deeper dive into the system that makes this possible, read more about our technical architecture here.

Our full suite of AI-powered financial tools

The new Origin is a complete and intelligent AI-powered financial platform that provides advice through seven distinct products. We’re launching the equivalent of a full financial team always on, personalized to your life, and delivering the kind of guidance that used to be reserved for the1%.

AI Advisor: Your lead advisor. Capable of answering complex financial questions with the rigor of a Certified Financial Planner®. Ask whether you’re saving enough, how to rebalance your portfolio, or what a major life change means for your future. AI Advisor doesn’t just respond in isolation it engages in ongoing dialogue, gathers context, and grounds every recommendation in your real financial data and live market signals.

Instant Insights: Your analyst. Across every area of your finances there are shifts and changes. Instant Insights explains what’s driving change across net worth, spending, investments. It will surface patterns and anomalies the way a seasoned analyst would, giving you context you can act on.

Daily Market Briefs: Your strategist. Daily Market Briefs distill the day’s most important market shifts, connect them to your portfolio, and highlight opportunities similar to the kind of curated perspective high-net-worth clients get from their advisors.

Weekly Recap: Your portfolio manager. Every week, you’ll see how your money moved acrosss pending, saving, investing, and net worth in a single summary. It’s a personalized snapshot of how your money moved over the past week.

Investment Analysis: Your research desk. A new level of detail across your portfolio where you can drill into holdings, historical performance, diversification, and benchmarking.

Market Watch: Your market researcher. Track stocks, sectors, earnings, and crypto in real-time. You can create a watchlist to keep an eye on stocks you own (or don’t); read recaps of what’s going on in the markets right now; and ask complex questions to better understand how market moves affect your portfolio.

Forecasting: Your planner. Model out the financial impact of major life decisions like landing anew job, to having a second child, to buying a home. With our forecasting tool you can simulate these scenarios before they happen, combining your personal data with advanced modeling to show exactly how choices affect your future.

Built for trust

Financial advice requires responsibility, not just intelligence. Every recommendation in Origin is reviewed against fiduciary standards, the same standards human advisors follow. Your data is protected with enterprise-grade security, and our AI partners operate under strict zero-retention agreements. This process ensures your information stays private and secure.

The future of financial advice

Money shapes every choice, every relationship, and largely every decision we face as adults. At the same time, our current financial system has been built for a select few, leaving everyone else with fragmented tools and guesswork.

Origin is changing that. We’ve built the first complete AI financial advisor offered by a company regulated by the SEC, a platform that blends advanced intelligence, regulatory rigor, and your real financial data to deliver guidance once reserved for the wealthy.

For the first time, you can put a trusted financial advisor in your pocket. One that helps you see your whole picture, make confident decisions, and shape the future you want.

We can’t wait to see what you build with it.

Track everything. Ask anything. Own your wealth.

Past performance does not guarantee future results. Performance metrics, including those based on standardized test questions, do not or may not represent actual client results or guarantee future performance.

Advisory services are offered through Origin Investment Advisory LLC ("Origin RIA"), a Registered Investment Adviser registered with the Securities and Exchange Commission.

Origin AI Advisor is an AI-powered financial assistant that provides personalized financial advice. To receive personalized advice, users must first complete our suitability questionnaire (or AI Advisor is prohibited from delivering personalized advice to that user). Recommendations are based on algorithms and may contain errors or 'model hallucinations'—though significantly reduced through our multi-layered validation architecture. All advice is non-discretionary, meaning users are responsible for deciding whether to act on it. The accuracy of the guidance depends on the accuracy of the data provided. Users are encouraged to consult with a human financial planner for significant decisions. For additional disclosures, visit useorigin.com/legal

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