WHAT IS RICHUEL
On-demand concierge financial care for the in-between years.
AI habit coaching + on-demand human experts to help professionals navigate shifts & relieve financial uncertainty.
For professionals navigating layoffs, pivots & new ventures in high-cost of living areas.
Get guidance. Stop struggling alone with 2 AM ChatGPT talks & spreadsheet gymnastics.
No account connections. No shame. We listen & instantly build your picture.
THE 5-STEP FINANCIAL TREATMENT PLAN
Your Life, Figured Out
01 INTAKE
AI Copilot
Talk, don't type. Tell us your story and untangle your messy 401ks and expenses through a natural conversation. No tedious 50-step forms or invasive bank account linking. Just your financial picture, built in real-time as you speak.
02 TRIAGE
Survival Runway
Get the math to back your move.
See exactly how much time you have if your income stops today. Tweak your expenses, severance, unemployment, or side hustles until the numbers turn green. When the "Success Confetti" hits, you have the mathematical permission to pivot.
03 DIAGNOSTICS & CHECK-UP
Longevity Map
Get your head out of the sand. Face your "Reality Check" and stop the guessing games. Visualize your lifetime trajectory to see exactly where the danger zones lie. Once the truth is on the table, you can use "What-If" scenario tools to test life decisions. Move a success score of 60% to 90%+.
04 PRESCRIPTION
Expert Playbook & Automated Action
Get a $3,000 checkup for $0. Stop the "1% AUM fee grift." Instantly get the professional-grade plan competitors charge thousands for. Our AI stays alongside to get it done. Delivering Weekly Richuel Habits, step-by-step guides, and celebrated wins. No more staring at PDFs.
05 CARE TEAM
Expert Guardrails
Access on-demand hourly specialists.
Validate the complex stuff. When your AI isn't enough, tap into our network of Certified Financial Planners (CFPs) and specialists for a deeper review and second opinion on high-stakes moves like tax optimization, investment analysis or income withdrawal. No insurance sales pitches, no asset-gathering. Just human-led precision at an affordable hourly rate when it matters most.
Happy Beta Users
“I was laid off at 48 and had no idea where to start. Richuel made it simple to wrangle my info so I could see my options. Now I have a plan and I don't waste time worrying.”
Lisa M.
“Leaving the safety of a corporate job to start my own company was scary. The Runway Forecast showed me I could make it happen and still be in great shape for my long-term plan. Game-changer.”
Krista N.
“For the very first time I have a reality check on my finances. With layoffs happening at my company, it helps to know I'm ready no matter what happens."
Ben S.
TRUST BY DESIGN
Built for the DIY Professional Who Hates Being Sold
No 1% AUM Fee Grift:
We don't manage your assets or sell you life insurance. We exist to give you the high-fidelity data and "Do-it-With-You" guidance you need to stay in control.
Privacy & Security First:
We don't sell your data. Your data belongs to you. Build scenarios and see results in total privacy before you ever choose to share a single detail with a human expert. We deploy industry-leading safeguards to protect your data.
Data-Led, Not Sales-Led:
We focus on the "In-Between." The messy, complex years where career shifts actually happen. NOT just a generic "Retirement at 65" projection.
Total Transparency:
No "Black Box" math. We use a deterministic model for your critical diagnostics, not probabilistic AI. You have hands on the wheel: audit our logic on the Assumptions Page, update your inputs in your Profile, and access Raw Numbers with a single click.
OUR TRUE WHY
When a person is freed from the "fear of ruin," they start doing their most impactful work.
The US is richer than ever, yet 88% of professionals experience financial stress. 57% are going through major career shifts right now, with transitions taking longer. Scarcity brain costs $250 billion annually in lost productivity. It's time for a new financial safety net.
When people can see a clear, data-backed path through their financial future, the "fear of ruin" goes away. We're working hard toward a future where getting proactive guidance is as routine as a healthcare checkup. And more people are free to do their most purposeful and impactful work.
Be among the first to try Richuel for free.
Join the waitlist for our next product release.
Tel: (802) 328-RICH
Email: team@richuel.com
1900 Powell St., Suite 700
Emeryville, CA 94608
For educational purposes only. Not intended to provide legal, tax, or investment advice.
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