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Free financial health check

Your financial opportunities, uncovered

Find opportunities, hidden costs, risks and savings across investments, retirement funds and taxes.

Free & instant 5 agents Fully anonymous
Savings Opportunity
Active Risk Management
Optimization Opportunity
Exposure + Controversy Monitoring
Personalized Strategy
$2,340 retirement savings opportunity identified
Retirement Agent
Review
Projected portfolio return improved by 12.4%
Portfolio Health Agent
Rebalance
$1,920 tax-saving opportunities identified
Tax Agent
Reduce Tax
3 high-risk climate controversies detected
ESG Health Agent
Assess Exposure
16.4% projected return on low risk portfolio
Portfolio Builder Agent
Build Portfolio
BloombergMorningstarEvent RegistryCloudTraceFREDOpenFIGILSEG / RefinitivMSCISustainalyticsScience Based Targets initiativeFCA Pension FundsS&P GlobalFactSetICE Data ServicesMoody's BloombergMorningstarEvent RegistryCloudTraceFREDOpenFIGILSEG / RefinitivMSCISustainalyticsScience Based Targets initiativeFCA Pension FundsS&P GlobalFactSetICE Data ServicesMoody's
How it works

Run a 60 second check.
See what to fix.

Pick an agent, answer a few questions, and get a clear next step — no jargon, no sign-up.

01 Choose an agent
02 Find the issue
03 See the action

Retirement Agent

Finds hidden fees and checks if consolidating your retirement accounts could save you money.

Try →

Portfolio Health

Spots risk drift, concentration and fees eating into your returns.

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Tax Agent

Spots unused IRA contributions and retirement tax benefits you might be missing.

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ESG Health

Flags holdings with environmental or governance concerns.

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Portfolio Builder

Builds an investment mix based on your goals, timeline and risk comfort.

Try →
Sarah Mitchell
Sarah Mitchell
Individual · ••••4812
Total portfolio value
£0
↑ 12.4% vs last year +£49,820
Automatic RebalancingEnabled · last run 2h ago
✓
Tax-loss harvestingEnabled · £420 saved YTD
✓
ESG alignment2 flags · review recommended
!
View full portfolio →
B
BloombergMarket data
F
FidelityHoldings sync
E
Exnet AISuitability engine
ML / Quant intelligence

AI models behind every signal

Agents are powered by ML models trained on market structure, momentum, volatility and ESG data.

XGBoost momentum screener

Gradient-boosted models rank 3,895 instruments by momentum, mean reversion and regime context.

ESG scoring pipeline

Controversy detection, exclusion screening and transition risk via Sustainalytics, MSCI and Event Registry.

Portfolio risk decomposition

Vectorised scoring: concentration, drawdown capacity, forced-sale risk and regret tolerance.

Strategy-mandate matching

Weighted distance matching with two-step approval gate and asymmetric risk check.

$ exnet screener --batch 1 --universe FTSE350 → Loading 350 tickers… → XGBoost momentum: complete → Mean reversion: complete → ESG overlay: 3 exclusions TICKER SIGNAL CONF ESG ────── ────── ──── ─── SHEL.L LONG 0.87 B- AZN.L LONG 0.84 A BARC.L SHORT 0.71 B+ RIO.L HOLD 0.52 C+ → Batch 1 done. Background: 2–3 → Cache: fresh | Staleness: 0h
Continuous & anonymous

Always-on monitoring.
Zero personal data.

Agents keep watching — without knowing who you are.

Runs continuously

Agents scan on schedule — daily, weekly or on trigger.

Alerts on change

New risk, fee threshold crossed, contribution window open — flagged immediately.

Fully anonymous

No names, emails or accounts. Session-only data, never stored.

Audit-ready output

Timestamped records with source data and logic trail.

Agent monitor
Live
Retirement
Clear
2m ago
Portfolio
1 flag
4m ago
Tax
Clear
6m ago
ESG
2 flags
8m ago
Builder
Watching
11m ago
No account
Session-only
Zero PII
What you get

Actions, not just analysis

Output for users, advisors and platforms.

AgentWhat it checksOpportunity
Retirement AgentMultiple accounts, fees, missed contributionsSave on fees you didn't know you were paying
Portfolio HealthRisk drift, concentration, overlap, fee dragReduce risk and improve returns
Tax AgentAllowances, wrappers, timing, taxable eventsKeep more of what you earn
ESG HealthControversies, mandate breaches, transition riskInvest in line with your values
Portfolio BuilderObjective, risk profile, horizon, constraintsGet a portfolio that fits your goals
Data sources

Institutional-grade data

Every signal grounded in trusted financial infrastructure.

B

Bloomberg

Real-time market data across equities, fixed income and indices.

Market data
M

Morningstar

Fund ratings, holdings and performance benchmarks.

Fund analytics
E

Event Registry

News intelligence for controversy and sentiment detection.

News & events
C

CloudTrace

Supply chain transparency and carbon exposure data.

ESG & supply chain
F

FRED

Interest rates, inflation and macro indicators.

Macro data
O

OpenFIGI

Global instrument ID mapping across exchanges.

Instrument mapping
R

LSEG / Refinitiv

Fundamentals, estimates and economic indicators.

Market & fundamentals
M

MSCI

ESG ratings, climate metrics and index data.

ESG & indices
S

Sustainalytics

ESG risk ratings across 20,000+ companies.

ESG risk ratings
T

Science Based Targets initiative

Net-zero alignment and climate target validation.

Climate targets
F

FCA Pension Funds

UK pension scheme charges and governance data.

UK pensions
S

S&P Global

Credit ratings, commodities and ESG scores.

Ratings
F

FactSet

Financial data and portfolio analytics.

Analytics
I

ICE Data Services

Fixed income pricing and evaluated bonds.

Fixed income
M

Moody's

Credit ratings and economic forecasts.

Credit & risk

Ready to check your financial health?

Pick an agent, run a check, see what to fix. No sign-up required.