How the AI Advisor works with your data

AI Advisor delivers personalized financial guidance by using the financial information available in Origin to understand your financial picture.

That information can help AI Advisor both respond to the questions you ask and proactively identify areas that may deserve your attention.

Step 1: Securely connect your accounts

When you link your financial accounts to Origin, AI Advisor gets more context about your finances.

Connected accounts can help Origin understand information such as:

• Balances
• Spending patterns
• Savings
• Investments
• Retirement accounts
• Credit
• Other parts of your financial picture

This information helps AI Advisor provide guidance that's relevant to your actual financial situation rather than relying only on generic financial advice.

Your data is protected with 256-bit AES encryption and transmitted only over secure HTTPS connections.

Step 2: Understand your financial profile

Your financial information, goals, and risk profile provide AI Advisor with additional context.

Your risk profile helps AI Advisor understand your comfort with financial risk, time horizon, and long-term goals so relevant advice can better reflect your preferences.

Step 3: Analyze your financial picture

AI Advisor can use the information available in Origin to perform dozens of expert-built checks across different areas of your financial life.

These checks help Origin identify what's working, find potential opportunities, and determine which areas may deserve your attention. The results can contribute to your Financial Health Score and personalized Actions.

Step 4: Prioritize your Actions

When AI Advisor identifies something worth your attention, it can surface a personalized Action. Each Action includes additional reasoning to help explain what Origin identified, why it may matter, and what you may want to do next.

Step 5: Ask questions anytime

Proactive analysis doesn't replace AI Advisor chat. You can still ask questions about your finances using natural language. AI Advisor uses the context available in Origin to help provide personalized answers.

For example:

• Spending: “How much did I spend on dining last month?”
• Investing: “What's the breakdown of my portfolio by asset class?”
• Forecasting: “If I increase savings by $200/month, how does that affect my 5-year plan?”

The more complete and up to date your financial picture is in Origin, the more context AI Advisor has to personalize your experience.

For more details, see:

• Is my financial data secure with AI Advisor?
• How AI Advisor analyzes your finances