Decide.
Richard — an AI CFO for your household

You run your
household.
Nobody lays out
the landscape.

Richard does the staff work — pulls the numbers from every account, tracks where you stand against where you're headed, and hands you the short version.
You still make every call.

Put Richard to work — $100/mo See how Richard works
Michael Ashley By Michael Ashley — banking and asset management, 20+ years
How Richard works

Three questions, answered every month.

These are the three tabs on every page inside Richard — cash, debt, investments, property, tax, protection, estate. Same three questions, asked of each one.

1

Where you stand

Richard pulls every account you connect — banks, brokerages, retirement, property, debt, private holdings — into one picture, and keeps it current without you maintaining it.

One number you can trust, not twelve logins.
2

Where you're headed

Your goals, your cash buffer, the retirement date you are actually aiming at, the order you should pay debt down in — written down in dollars, not carried around in your head.

A target worth measuring against.
3

Whether you're getting there

Richard tracks your progress every month and leads with what moved — cash sitting idle, a fee you are quietly paying, a goal that slipped a year further out. Ranked, in dollars, in plain language.

A short read. Then you decide.
$100/month. Richard reads and recommends. He never moves money, places a trade, or holds your assets — the decision is always yours to make and yours to execute.
Who it's for

Complexity, not just size.

Richard is built for the household whose money outgrew consumer tools but does not warrant a family office. The tell is not a number — it is how many moving parts you are tracking in your head:

If your whole financial life is one brokerage account, you do not need Richard. The free Frame builder is enough.

The short version

You already run it.

Every account, every property, every obligation — you are already carrying it. Richard just writes it down and keeps it current.

Connect your accounts and the first read does the rest.

Richard — your CFO
One place that knows all of it.

Connect your accounts once. Richard keeps the picture current, tracks where you stand against where you are headed, and tells you what moved this month.

Start with Richard $100/month. Cancel anytime.

Richard reads and recommends. He never moves money, places a trade, or holds your assets.