Platform Capabilities

What Folio AI actually does.

Six load-bearing capabilities that turn an 8-minute interview into a portfolio you can actually stick with.

Adaptive Language

The AI speaks your language.

A complete beginner and a CFA charterholder get equally accurate portfolios — they just read very differently. Toggle Simple Summary ⇄ Deep Dive on every panel.

Beginner: plain-English names, no acronyms.
Advanced: factor exposures, beta, duration, convexity.
State remembered in-session across panels.

70 / 30 Behavioral Engine

Revealed behavior, weighted.

Risk tolerance scored at 70% revealed behavior + 30% stated intent. When stated and revealed conflict, revealed wins — every time. Deterministic, not probabilistic.

10-question alternating stated vs revealed flow.
Stated/revealed gap surfaced as the core insight.
Hard-coded weighting in the prompt architecture.

Multi-Asset Shortlists

Stocks. ETFs. Gold. Crypto.

20-ticker shortlist drawn from broad ETFs, fixed income, large/mid/small caps, commodities, and BTC/ETH — calibrated to the behavioral profile.

Allocations validated to sum to exactly 100%.
Real, tradable tickers only — no fabricated symbols.
Per-ticker rationale tied to the profile.

Behavioral Profile PDF

Walk in prepared.

Every session generates a downloadable behavioral profile — your stated vs. revealed gap, your risk tolerance, and the 20-ticker shortlist. Share it with whoever you trust, or keep it for yourself.

One-click PDF export.
Educational classification stamped on every page.
Show up to any financial conversation already informed.

Stateless Architecture

Nothing to leak.

All profile data lives in browser runtime memory. No database writes, no email collection, no server-side profile storage. Session clears on tab close.

No accounts, no sign-up friction.
No PII collected at any layer.
Works on mobile, instantly, anywhere.

Your Personalized Portfolio

One portfolio. Built around you.

Every run produces a single portfolio hypothesis built specifically around your behavioral profile — not a generic template, not a coin flip between two options. One strategy, matched to how you actually invest.

Holdings selected from 500+ securities based on your behavior.
Per-portfolio philosophy and risk flags tailored to your profile.
Organized by risk category so you know exactly what you own and why.

Fits Your Existing Stack

A behavioral layer on top of what you already have.

Folio AI doesn't replace your 401(k), brokerage, or robo-advisor. It sits alongside them — surfacing the behavioral profile they were never designed to measure, and shaping a 20-ticker shortlist you can apply inside the accounts you already use.

401(k) / Employer Plan

Calibrate your fund elections.

Use your behavioral profile to choose between target-date, equity, and fixed-income funds inside your plan menu — without changing custodians.

Brokerage Account

Apply the shortlist directly.

The 20-ticker shortlist is built from real, tradable symbols (VOO, BND, AAPL, GLD, BTC-USD…) — execute in Schwab, Fidelity, IBKR, or wherever you already trade.

Robo-Advisor

Pressure-test the model.

Compare your robo's allocation against your revealed-behavior profile. If the gap is wide, you'll see exactly where it sits — and what to discuss with your advisor.

Think of Folio AI as the behavioral checkup your existing accounts can't run on themselves. You keep your custodian, your tax setup, and your contributions — we just give you a sharper map of how you're likely to behave when markets move.

Ready to see it in action?

Take the 8-minute interview and download your behavioral profile.

Find My Fit →