Show HN: Personalized Wealth Management – Institutional Meets Consumer

Problem: If you have less than $100k to invest, you get a robo-advisor that asks you 5 questions and dumps you into one of three cookie-cutter portfolios. If you have more than $100k, you get a human advisor who charges 1-1.5% annually to... basically do the same thing with a smile and calming voice attached. Meanwhile, institutional investors get custom strategies built around specific durations, target dates, tax situations and actual investment goals. Not because the math is harder—but because the economics only work at scale. Here's the thing: Both traditional advisors and robo-advisors maximize profit by minimizing choice and directing capital into the bias strategies that generate them additional margins. Both just tweak a risk slider and call it "personalization." But institutional-grade portfolio construction doesn't have to be exclusive to the wealthy. The road was paved by platforms like Plaid, brining API connectivity—platforms and asset aggregation into