Advisor chat
Natural conversations grounded in each member’s financial picture.
For financial institutions
Your brand. Their trusted money guide.
Put a conversational financial advisor inside your customer experience—branded as your own and designed to turn account activity into daily, practical guidance.
One advisor layer.
Delivered through your banking experience, configured for your policies, and ready to support every member at once.
Complete advisor experience
More than a chatbot.
The capabilities customers expect from leading money apps, adapted for your institution and its responsibility to members.
Two-way voice
Members can speak questions and listen to clear, personal answers.
Long-term memory
The advisor remembers priorities, preferences, and goals across conversations.
Exact calculations
Dedicated tools calculate affordability, timelines, budgets, and cash flow.
Proactive guidance
Timely alerts celebrate progress and surface risk before it becomes a crisis.
Your identity
Your name, colors, welcome message, and product language throughout the experience.
Built for trust
Your controls stay in the room.
Policy-aware guidance
Define limits, language, and escalation paths that fit your customer promise.
Protected member data
Each member’s information remains isolated, with institution access governed by role.
Institution ownership
You control the customer relationship, brand experience, and rollout strategy.
Measurable engagement
Track adoption and helpful outcomes without turning private conversations into marketing data.
Licensing tiers
Start at the scale that fits.
Indicative launch pricing for planning conversations. Final pricing depends on integration, support, security, and service requirements.
Pilot
Prove value with one customer group
$15,000
one-time setup
$2.00 per active user / month
- Up to 5,000 active users
- Branded web experience
- Chat, voice, memory, goals, and alerts
- Standard analytics
- 90-day guided launch
Growth
RecommendedRoll out across a growing institution
$35,000
one-time setup
$1.25 per active user / month
- Up to 50,000 active users
- Embedded advisor experience
- Custom guardrails and content
- Engagement and outcome reporting
- Priority implementation support
Enterprise
Operate at national or multi-brand scale
Custom
annual agreement
Volume pricing
- 50,000+ active users
- Multiple brands and markets
- Custom integrations and controls
- Dedicated service commitments
- Security and compliance review
Wealth Guardian vs Cleo
Familiar AI guidance, with stronger guardrails and a path for institutions.
Both products bring conversation, voice, memory, and proactive guidance to personal finance. Wealth Guardian adds customizable financial boundaries and a fully branded institution offering.
| Feature | WGWealth Guardian | Cleo |
|---|---|---|
| AI advisor chat grounded in your finances | ||
| Ask by voice and hear answers aloud | ||
| Remembers goals across conversations | ||
| Exact affordability and goal calculations | Some | |
| Proactive alerts and daily guidance | ||
| Custom “do not touch” boundaries | ||
| Vacation, car, home, and emergency goals | Some | |
| Institution-branded version | ||
| Free tier | $0 | $0 |
| Paid consumer tier | $7.99/mo$69.99/yr | From $8.99/mo* |
Wealth Guardian pricing is planned launch pricing. Cleo details are based on publicly available information reviewed September 2026; plans, prices, and availability can change. *Paid Cleo pricing varies by plan and market.
See your institution in it