AI-powered app delivers free, hyper-personalized financial advice 24 hours a day on topics such as financial planning, home ownership, equity compensation and tax strategies
Serial fintech entrepreneur Bill Harris announced the launch of Evergreen.ai, an AI-powered financial advice app designed to help Americans make smarter financial decisions using personalized financial, retirement, investment and tax strategies. Built to bring the financial techniques of wealthy investors to all Americans, the Evergreen.ai app is available now as an on-demand service on mobile and desktop browsers. Consumers who register during the beta period will receive access to Evergreen.ai at no cost through January 1, 2028.
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Until today, the best financial advice has always been out of reach for everyday Americans. Evergreen.ai combines specialized models, knowledge bases and quantitative tools built for one purpose only: personalized financial advice.
“Until today, the best financial advice has always been out of reach for everyday Americans,” said Harris, founder and CEO of Evergreen.ai. “A 2024 survey found that 73% of American adults don’t use a financial advisor. At the same time, more consumers are turning to general-purpose AI chatbots for financial advice instead. It’s problematic because those models often lack the personalized data needed for situation-specific answers, can produce incorrect numbers, and aren’t built to protect the financial details people share with them. Evergreen.ai is different. It combines specialized models, knowledge bases and quantitative tools built for one purpose only: personalized financial advice.”
Evergreen.ai includes helpful calculation tools consumers can use to make smarter financial decisions about their future, such as:
- Financial Planning, including short-term cash flow and long-term retirement projections
- Security Prices, fundamentals and watchlists
- Equity Compensation, such as options, RSUs, founder stock and QSBS
- Net Worth Tracking, including linked bank, broker and credit accounts
- Home Ownership, mortgage calculators and rent vs buy analysis
- Retirement Accounts, including 401(k), IRA, Roth IRA and Roth conversions
- College Savings, financial aid and tax-advantaged education accounts
- Tax Strategies, including tax-loss harvesting and charitable giving
Unlike generic AI chatbots, Evergreen.ai’s deterministic calculation engine runs the underlying tax and financial math, designed to deliver consistent, verifiable numbers. The platform’s generative interface builds each hyper-personalized answer in multiple formats, including text, tables, charts, and interactive calculations.
“Evergreen.ai was engineered specifically to address where general-purpose AI falls short in financial advice,” said Bryan Godwin, co-founder and CTO of Evergreen.ai, who has filed seven pending patents related to the platform. “Today, the harness matters as much as the model. Our secure architecture pairs probabilistic Large Language Models (LLMs) that excel at communication, with deterministic software that runs the actual calculations and grounds each answer in current financial and tax knowledge. Combined with each user’s complete financial picture, it’s how we deliver advice that’s personalized, consistent and verifiable.”
Security and privacy are paramount in personal finance. Evergreen.ai’s environment is locked down with multiple layers of security controls. Account linking runs through Plaid, so bank credentials are never shared with the AI. User data is encrypted, never sold to third parties, and never used to train public AI models.
Harris brings a 30-year track record of technological innovation in consumer finance. He is the former CEO of PayPal and Intuit, and founder of eight financial technology companies, including Personal Capital, an investment firm that grew to $23 billion in client assets under management. He is joined at Evergreen by an experienced team of developers, advisors and business personnel.
Evergreen.ai is a service offered by Evergreen Wealth Advisors, a Registered Investment Advisor (RIA) and fiduciary. Evergreen’s mission is simple: better advice to more people at lower cost.
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