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Folio AI
Behavioral Wealth
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.
Advisor-Grade Report

Pre-filled suitability PDF.

Every session generates a downloadable advisor report — behavioral profile, stated/revealed gap, and the 20-ticker shortlist. Drop-in for client meetings.

  • One-click PDF export, no account required.
  • Educational classification stamped on every page.
  • Clean handoff into any advisor's workflow.
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.
Two-Hypothesis Output

A vs B, side by side.

Every run produces two distinct portfolio hypotheses with no overlapping tickers — so the conversation becomes about conviction, not collection.

  • Guaranteed-distinct holdings between A and B.
  • Per-portfolio philosophy and risk flags.
  • Frames the meeting as a strategic dialogue.

Ready to see it in action?

Take the 8-minute interview and download your advisor report.

Find My Fit →