Personal CFO
An AI agent surface that handles the user's personal financial life: net worth tracking, credit monitoring, debt payoff planning, utilization optimization, dispute drafting. The agent is the conversational explainer; deterministic tools handle calculations.
Why it matters
Most people's financial life is fragmented across many services: bank, credit card, brokerage, mortgage, retirement, credit bureaus. The unified view is what a personal CFO would maintain. For most people, hiring a personal CFO is uneconomical; the AI version is cheap enough to be on by default.
The category is more than reporting. A real personal CFO does scenario modeling ('what if I pay an extra $400 on the credit card this month'), drafts disputes when something is wrong, optimizes utilization across cards, and surfaces unusual activity in a useful frame. The AI version handles each of these.
How Ajeris handles this
Ajeris's personal CFO is ~56 tools across 10 families: credit, credit-monitor, credit-build, debt, dispute, negotiation, utilization, financial-plan engine, financial-onboard, letter. Each family handles a specific category of financial work. The architectural story: the agent is the explainer (conversational, contextual); the tools are deterministic (calculations, state). Approval-gated for any payment or external action.
