Origin Unveils First AI Financial Advisor Regulated by the SEC – Outsmarts Every Leading AI Model on the CFP Exam

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SAN FRANCISCO--(BUSINESS WIRE)--Sep 9, 2025--

Today, Origin, the all-in-one personal finance app, introduced its AI financial advisor – the first system designed to provide certified financial planner–level guidance to everyday Americans. Built on advanced AI, the advisor combines each user’s financial data with state-of-the-art reasoning to deliver personalized, interactive guidance at scale. As part of this launch, Origin will offer a one-year subscription to all new users for just $1 – for one day only – removing price as a barrier so anyone can access certified planner-level financial guidance.

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The most common belief about financial advisors is that they only serve the wealthy. Origin bridges the gap by expanding beyond basic money tracking to intelligent, personalized financial management. Demonstrating human-level expertise, outperforming both leading LLMs and certified financial planners across all eight CFP® mock exam modules, scoring 17 points above human performance and demonstrating consistency of a well-rounded financial advisor.

“For too long, expert financial guidance has been reserved for the wealthy, with about half of Americans citing cost as the primary barrier,” said Matt Watson, founder and CEO of Origin. “Origin removes that barrier by unifying a user’s full financial picture – cash flow, investments, liabilities, taxes, and more – and applying advanced multi-agent AI to deliver advisor-grade insights in real time. This goes far beyond general-purpose AI like ChatGPT: it’s personalized, data-driven intelligence built to rival human advisors at scale.”

The redesigned Origin platform eliminates the noise of juggling fragmented finance apps by unifying everything into one intelligent dashboard. With direct access to a user’s real financial profile – not just surface-level prompts – Origin’s AI continuously identifies opportunities, flags risks, and delivers advisor-grade recommendations with a level of relevance and precision no standalone app can match. In doing so, Origin democratizes access to the kind of personalized wealth team and expertise that has historically been reserved for the top 1%.

New features include:

• AI Financial Dialogue: Engage in real-time conversations that combine advanced reasoning, contextual memory, and live market and economic data.
• Automated Insights: Receive immediate explanations of shifts in spending, saving, and investing patterns, with the ability to drill down into the underlying drivers.
• Personalized Briefings: Get daily and weekly reports that connect changes in your finances with broader market and economic trends.
• Market Monitoring: Track sectors, assets, and custom watchlists with AI that proactively surfaces opportunities from real-time signals.
• Investment Analysis: Explore detailed views of holdings, including historical performance, portfolio allocation, benchmarking, and contextual commentary.

“Until now, large language models have been impressive but generic – they’ve lacked access to the comprehensive, real-time financial data required for true personalization,” said Gustavo Silva, Chief Technology Officer at Origin. “By training our models on massive amounts of financial knowledge, we’ve created an AI that can engage with your unique situation and deliver professional-grade guidance once only possible through a dedicated human advisor.”

This launch marks more than an update – it establishes a new category in financial management. Origin began as a personal finance management tool, helping over 100,000 people budget, monitor spending, and track net worth. With the AI Advisor, Origin is building on that foundation to go beyond reporting what’s happening with consumers’ money to explaining what it means and what to do next.

The AI Advisor translates complex scenarios into clear, plain-language guidance across everyday and long-term financial decisions:

• Daily Financial Decisions: “Can I afford to go out to dinner this weekend?”
• Career Transitions: “I just got a job offer with 25,000 shares – how should I think about the equity?”
• Economic Planning: “Inflation’s higher than I expected – should I adjust my portfolio?”
• Life Events: “Can I afford to take 3 months of unpaid parental leave?” or “How much house can I buy if I only have 5% down?”

The launch of Origin’s AI Advisor, along with its redesigned mobile and web apps, comes as the company experiences 10x user growth driven by demand for smarter, more intuitive financial tools. Origin’s existing AI feature, Sidekick, is already one of the platform’s most-used capabilities, underscoring the appetite for advanced, personalized guidance.

To learn more about Origin’s AI Advisor visit: www.useorigin.com.

About Origin

Origin was founded on the belief that financial planning should be accessible to everyone. The platform brings together budgeting, saving, investing, compensation, and benefits in one place, combining human advisors with advanced financial technology. This integrated approach helps people create, execute, and track personalized financial plans. Origin is led by repeat founders and backed by investors including 01A, Founders Fund, Felicis Ventures, General Catalyst, and Lachy Groom.

Past performance does not guarantee future results. Metrics shown may not reflect actual client outcomes or future performance.

Advisory services are provided by Origin Investment Advisory LLC, an SEC-registered investment adviser.

Origin AI Advisor offers personalized, non-discretionary financial guidance based on user-provided data and algorithmic analysis, which may occasionally contain errors. Users are responsible for all decisions and are encouraged to consult a human advisor for major financial matters. For full disclosures, visit useorigin.com/legal.

$1 subscription is available for a limited time only. Renews at $99/year. Cancel anytime and see full terms at http://useorigin.com/legal/one-dollar-terms-and-conditions.

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KEYWORD: CALIFORNIA UNITED STATES NORTH AMERICA

INDUSTRY KEYWORD: SOFTWARE PERSONAL FINANCE FINANCE ARTIFICIAL INTELLIGENCE PROFESSIONAL SERVICES TECHNOLOGY APPS/APPLICATIONS FINTECH

SOURCE: Origin

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PUB: 09/09/2025 10:00 AM/DISC: 09/09/2025 09:59 AM

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