Cerebro: The AI-Driven Budget-Based Robo-Advisor

I developed a complete product strategy for a new AI-powered personal finance platform. The goal was to combine real-time budgeting guidance with investment advice to make financial planning accessible to underserved consumers.

Most existing solutions focus on investments without addressing day-to-day money management. High fees and minimum balances block access for many users. I explored how AI could create a more affordable and personalized financial planning tool.

My Role and Approach
Conducted user interviews to understand financial planning challenges across different demographics
Benchmarked fintech competitors to identify product gaps and accessibility issues
Designed a feature framework combining AI budgeting with personalized investment advice
Scoped reporting and regulatory needs
Created a freemium business model to balance accessibility with long-term revenue

Solution Plan
Personalized AI Budgeting – Analyze real-time spending and adapt budgeting advice as patterns change
Integrated Investment Guidance – Recommend portfolios based on user goals and risk tolerance
Embedded Financial Education – Teach concepts directly within the app to build user confidence
Automated Portfolio Rebalancing – Adjust allocations automatically as behavior and market conditions evolve
Freemium Pricing Model – Provide core functionality for free with premium advisory services as upgrades

Outcome

Delivered a full strategy and execution plan for a zero-to-one personal finance platform. This work defined a clear product opportunity and practical roadmap to make financial planning more accessible through AI-driven advice.