Meet Warren 3.0

Your voice-supported AI financial planning partner

Fintech

Artificial Intelligence

Personal Finance

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The "two futures, do nothing vs act" framing is the part that stuck with me. Most planning tools dump numbers on you; showing the delta is what actually motivates a decision. How are you handling the trust gap for people nervous about sharing financial details with an AI?

Impressed with my first foray into Meet Warren and built a pretty involved model with ease - one that I had initially developed with some help from Google Gemini, built my own spreadsheet and then had my pension IFA “validate” and run through their own forecasting process, so was fairly confident I would “be OK” but it was good to get some insights from Meet Warren that added a few other key aspects that hadn’t been raised previously - but good to see Meet Warren also say that I’d be OK. And it didnt seem to far away from what I expected.

The bit that I am looking forward the ongoing / dynamic updates and check-in to make sure I am staying on track - when I want, without having to go through the IFA for every what-if that I might have.

One area that I would have liked to be better handled is the tax minimisation strategies in drawdown when you have a range of pension pots and ISAs to drawdown income from (as a married couple).

All this from the free tier - not sure on how much I am missing on the paid tier?!

Hey Dima. The editable-assumptions choice is the part I respect most. A plan you can interrogate beats a slightly more accurate one you can't.

A question from my corner of the world: how does Warren model variable income? I work with freelancers on the money side, and most planning tools quietly assume a salary, then fall apart on anyone whose income swings month to month. Does Warren plan off an average, a conservative floor, or something else? For self-employed users that one modeling choice changes everything downstream.

What inputs do you need to generate the plan, and do you connect to UK bank accounts or is it manual?

Congrats on the launch, Dima.

What stood out to me is that you focused on the question people actually care about: "Will I be okay?" Most financial tools throw charts, accounts, and data at users, but very few translate that into a clear picture of their future.

I also like the transparency angle. Being able to inspect and edit assumptions instead of trusting a black box feels especially important when people are making major life decisions.

Building 3,000+ plans and uncovering insights like the retirement shortfall you mentioned is impressive validation that this is a real problem.

I'd love to learn more about the business side of what you're building and how you're thinking about growth from here. What's the best email to reach you on? Happy to connect and exchange ideas.

Damn, I’m not British, but it looks pretty cool) Are you planning to support other countries as well?

Following Meet Warren with interest :) What is next on the roadmap after launch day?

This is cool. Does Warren handle scenario planning for freelancer retirement accounts like SEP-IRA?

I was super fed up with a lot of budgeting apps that were overly reliant on janky Plaid data. I just didn’t feel like they understood my actual financial situation. I have been using Warren for the past month and finding it to be a really useful tool for long term planning.

The “two futures” framing is really clear. Most finance tools show numbers, but not the actual consequence of doing nothing vs changing course. How does Warren handle assumptions like inflation, salary growth, or house prices when users edit the plan?

I've used 'Meet Warren' several times and have been very impressed. The setup/onboarding felt very natural (I loved that I could just talk naturally), and the advice I received was really not much different from that of a far more expensive Independent Financial Advisor. I'd recommend it to anybody who wants to get a handle on where they are at financially, and where they might be in a year, five years, or twenty years. Its a brilliant tool to aid anyone wishing to plan their financial future.

I used Warren as my financial planning partner. Having used several IFAs before the ease with which I could set up a plan with Warren by having a chat between meetings was a wow moment. I speak to Warren at least once a week to check if I am still on track for my financial goals as the world around us gets more crazy.

The "one voice conversation instead of a form" call is the part I'd have bet on too. I build voice AI in a different corner (daily check-in calls for older adults), and what surprised me most was how much more people volunteer out loud than they ever type into a field, especially about money. The "approaching retirement" moment you listed is exactly where I see that gap. Question for you, Dima: how are you handling turn-taking when someone trails off or needs a long pause to think through a number? Did you tune the endpointing yourselves, and what latency are you landing on for the back-and-forth to still feel like a real conversation?