We teach you how money, taxes, and investing actually work and help you act on it. NOYACK uses agentic AI to give everyone access to the same tools and knowledge once reserved for the 1%.

The Problem

Financial advice is gated, fragmented, and confusing.

High earners are increasingly:

1. Making more money
2. But not making coordinated financial progress

Not because they lack discipline — but because the system is broken.

1. Advice is gated behind high minimums
2. Tools are scattered across multiple apps
3. Decisions are made without full context

“I make six figures, but still feel behind.”

The result isn’t just inefficiency — it’s lost outcomes.

An estimated $2.3 trillion in wealth is being left on the table due to poor coordination, timing, and execution.

Why Now

Two structural forces are colliding:

1. A generational wealth transfer at massive scale

Trillions are moving into the hands of Millennials and Gen Z — a segment underserved by traditional finance.

2. AI has crossed from assistant → decision engine

For the first time, systems can reason across complex financial variables and take action.

When capital and technology shift together, new category leaders emerge.

This is that window.

What we are building

A unified AI system that coordinates financial decisions across your entire life.

NoyackAI — Decision Engine

Understands your financial situation and generates prioritized “Plays” across taxes, investing, and cash management — actions you can approve and execute.

ProphitAI — Strategy Layer

Models long-term outcomes and scenarios so users can evaluate decisions before acting.

This is not passive guidance.

This is active financial orchestration. This isn’t just another finance app. This is your lifelong financial co-pilot.

Why NOYACK Wins

Most financial platforms solve one piece of the problem:

1. Education platforms explain
2. Advisors recommend
3. Apps execute narrow functions

NOYACK integrates all three into a single system.

Learn → Plan → Execute → Optimize

This creates:

1. Continuous data feedback loops
2. Increasingly personalized decision-making
3. Behavioral lock-in over time

We measure success through real outcomes:

1. Taxes reduced
2. Interest avoided
3. Portfolios optimized

Those outcomes drive trust, retention, and organic growth.

Data, Privacy & Trust

Financial decision-making requires trust.

Our approach:

1. User-controlled permissions for all data
2. Transparent, explainable recommendations
3. Guardrails aligned with financial workflows

Trust is not a feature — it is the foundation of adoption.

Market & Opportunity

This is a large and under-penetrated market.

Target:

1. Millennials & Gen Z
2. Digitally native
3. Increasingly affluent
4. Underserved by traditional wealth models

As financial complexity increases, demand shifts toward integrated systems, not standalone tools.

Even modest market share supports a large outcome.

Business Model

Memberships

A multi-layered model aligned with user growth:

Membership (Core Revenue)

~$449/year for access to AI-driven financial planning and execution tools.

Investment Enablement

Access to curated opportunities with standard industry fee structures.

Enterprise Licensing (Phase 2)

AI agents licensed to:

1. RIAs
2. Banks
3. Family offices
4. Wealth platforms

This enables distribution at scale and positions NOYACK as infrastructure for the industry.

Forward-looking projections cannot be guaranteed.

COMPOUNDING ADVANTAGE

The system improves with usage:

1. Every action becomes a reusable pattern
2. Every outcome improves future recommendations
3. Every integration expands system coverage

Resulting flywheel:

More users → Better decisions → Better outcomes → More users

This creates defensibility through:

1. Data
2. Behavior
3. Integration depth

Roadmap & Milestones

1. Short term: Strengthen NoyackAI, expand ProphitAI simulations, and ship more AI agents for NoyackAI focused on tax and cash-management Plays.
2. Mid term: Deeper brokerage and bank integrations, automated execution for approved Plays, and explainable reasoning on every step.
3. Long term: A personal wealth “operating layer” that travels with you across life stages - education, family, entrepreneurship, and philanthropy.

Competitive Landscape

Traditional advisors offer high-touch service but don’t scale to younger, mass-affluent users. Robo-advisors automate portfolios but avoid taxes, cash, and real-life complexity. Point apps solve one slice (budgeting, credit, brokerage).

Our wedge: a unified, AI-native flow from learning to execution - spanning taxes, cash, and investing + community trust built over years of education.

Our Mission and Values

Mission: Make personal wealth management understandable and actionable for everyone—not just the already-wealthy.

What we value:

1. Clarity over jargon.
2. Action over theory.
3. Trust through transparency.
4. Compounding good decisions.
5. Community as an asset class.

We built NOYACK for the 21-year-old who needs a real plan and a real mentor - because we were that person.

Use of Funds

Every dollar goes toward building smarter AI tools and expanding our movement.

🧠 Product & Agents (40%) — advance NoyackAI and ProphitAI; expand agent suite; introduce tax/cash Plays; explainability & guardrails.

🌱 Growth & Distribution (30%) — referrals, creator partnerships, YouTube, webinars, campus & employer programs.

💾 Data & Infrastructure (20%) — integrations, secure data pipelines, performance at scale, AI evaluation.

⚙️ Operations & Compliance (10%) — customer success, legal, financial operations.

Goal: Focused on accelerating product capability and expanding reach.

Team and Summary

Cross-functional leadership spanning finance, AI systems, and product-led growth. Decades of operating experience and investing across cycles.

Investment Summary

NOYACK represents an opportunity to invest in:

1. The AI layer for personal finance
2. A closed-loop decision platform (not a point solution)
3. A recurring and scalable business model
4. A system with compounding data and behavioral advantages

We are early in defining a category that will shape how individuals manage wealth in the AI era.

FAQs

Is NOYACK a financial advisor or broker dealer?

No. NOYACK is an education and technology company. We are not a registered investment adviser, broker dealer, or tax advisor, and we do not provide personalized investment, tax, or legal advice

Do I need to switch all my accounts?

No. We integrate your accounts through Plaid as you’re comfortable.

What’s different from a robo-advisor?

We go beyond portfolios - we offer tax, cash, debt, benefits, real-life sequencing, and most importantly education.

How do you make money?

Memberships, curated investment access, and B2B licensing.

What about data privacy?

User-first permissions, clear audit trails, and strict security controls.