No prior financial knowledge is required. Unlike many digital and robo platforms, we cater to all skill levels. We provide content and resources for everyone, and we'll help beginners learn at their own pace.

Budgeting is a key financial skill, but there's more to it. We help you understand your financial situation and habits. From there, we build a strong base for Financial Stability. This includes making smart spending choices, reducing debt, and starting a regular savings habit. Our coaching also focuses on your mindset and emotional health, helping you achieve Financial Growth and onwards to long-term Financial Resilience.

We will have three subscription levels. The “Smart Money Foundations” package is free and helps individuals learn about their finances, spending habits, and money management. It includes resources to reduce debt and start saving, along with financial tools and wellness materials. The two paid packages are “Smart Money Essentials,” which focuses on financial stability and growth, and “Smart Money Premium,” which aims at financial growth and resilience. Pricing is not yet final, but we will make it affordable and competitive.

Our founding team has over 150 years of combined experience in financial services, wealth management, investing, and psychology. We hold advanced degrees and professional certifications in these areas. Our team includes a world leading Social Psychologist with a PhD. We are united by a shared commitment to enhancing both financial and mental well-being for all.

Your financial security is our main focus. We use bank-level encryption, multi-factor authentication, and strict access controls to protect your data. All information is stored according to UK financial rules, including FCA and GDPR. Our systems are regularly tested by independent experts, and we have strong data protection policies to keep your personal and financial details safe. We only collect the information you need for our services, and you have control over your data through our clear privacy settings.

You can access our Free Resources and Services without providing bank details. If you upgrade to a Paid subscription, you will need a debit or credit card. Buying savings or investment products may require more information due to laws and regulations. We will handle all financial data according to our data security policies.

We will launch a complete free service in Q4 2025. Until then, we will provide free content and resources. You'll also get to try Dilly, our AI user interface and virtual financial coach. Smart Money Essentials will be available a few months after the full free launch, followed by Smart Money Premium a few months later. We plan to apply for FCA approval to offer Essential Savings and Essential Investment products later this year.

Our platform helps you create your own blueprint or playbook for a better financial life. Dilly, our AI interface, will guide you in this process. We begin with Financial Foundations, which are free and help you improve your relationship with money, manage cash flow, pay off debt, and start a savings habit. The Smart Money Essentials package builds on this foundation, helping you save more, set financial goals, and invest your savings for growth and show you how to make decisions involving risk and return in the context of your money habits and financial goals. The Smart Money Premium package prepares you for long-term financial goals and life events, allowing you to handle challenges without financial shocks and setbacks and while building a happier life.