{"data":{"type":"company_profile","id":141398,"entity_id":"wefunder:company:141398","attributes":{"canonical_url":"https://wefunder.com/noyack","generated_at":"2026-06-13T03:10:04Z","updated_at":"2026-06-12T05:01:07Z","entity_ids":{"company":"wefunder:company:141398","slug":"wefunder:company_slug:noyack"},"profile_visibility":{"owner_published":true,"public_search_results":true,"site_search_listed":true,"privacy_mode":"promote","invite_only":false},"provenance":{"source":"wefunder_public_company_profile","as_of":"2026-06-13T03:10:04Z","claims":{"total_amount_raised":{"source":"FrontCompanySummary#amount_raised","last_verified_at":"2026-06-12T05:01:07Z","as_of":"2026-06-13T03:10:04Z","confidence":"high"},"total_investors":{"source":"FrontCompanySummary#number_of_investors","last_verified_at":"2026-06-12T05:01:07Z","as_of":"2026-06-13T03:10:04Z","confidence":"high"},"active_raise_states":{"source":"Fundraise.visible(nil, nil)","last_verified_at":"2026-06-11T21:02:49Z","as_of":"2026-06-13T03:10:04Z","confidence":"high"},"latest_fundraise_state":{"source":"Fundraise.visible(nil, nil).order(funding_started_at)","last_verified_at":"2026-06-11T21:02:49Z","as_of":"2026-06-13T03:10:04Z","confidence":"medium"}}},"company":{"id":141398,"entity_id":"wefunder:company:141398","slug":"noyack","name":"NOYACK LLC","tagline":"Invest in the future of Agentic AI","story":"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 ProblemFinancial advice is gated, fragmented, and confusing.High earners are increasingly:Making more moneyBut not making coordinated financial progressNot because they lack discipline — but because the system is broken.Advice is gated behind high minimumsTools are scattered across multiple appsDecisions 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 NowTwo structural forces are colliding:1. A generational wealth transfer at massive scaleTrillions are moving into the hands of Millennials and Gen Z — a segment underserved by traditional finance.2. AI has crossed from assistant → decision engineFor 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 buildingA unified AI system that coordinates financial decisions across your entire life.NoyackAI — Decision EngineUnderstands your financial situation and generates prioritized “Plays” across taxes, investing, and cash management — actions you can approve and execute.ProphitAI — Strategy LayerModels 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 WinsMost financial platforms solve one piece of the problem:Education platforms explainAdvisors recommendApps execute narrow functionsNOYACK integrates all three into a single system.Learn → Plan → Execute → OptimizeThis creates:Continuous data feedback loopsIncreasingly personalized decision-makingBehavioral lock-in over timeWe measure success through real outcomes:Taxes reducedInterest avoidedPortfolios optimizedThose outcomes drive trust, retention, and organic growth.Data, Privacy \u0026amp; TrustFinancial decision-making requires trust.Our approach:User-controlled permissions for all dataTransparent, explainable recommendationsGuardrails aligned with financial workflowsTrust is not a feature — it is the foundation of adoption.Market \u0026amp; OpportunityThis is a large and under-penetrated market.Target:Millennials \u0026amp; Gen ZDigitally nativeIncreasingly affluentUnderserved by traditional wealth modelsAs financial complexity increases, demand shifts toward integrated systems, not standalone tools.Even modest market share supports a large outcome.Business ModelMembershipsA multi-layered model aligned with user growth:Membership (Core Revenue)~$449/year for access to AI-driven financial planning and execution tools.Investment EnablementAccess to curated opportunities with standard industry fee structures.Enterprise Licensing (Phase 2)AI agents licensed to:RIAsBanksFamily officesWealth platformsThis enables distribution at scale and positions NOYACK as infrastructure for the industry.Forward-looking projections cannot be guaranteed.COMPOUNDING ADVANTAGEThe system improves with usage:Every action becomes a reusable patternEvery outcome improves future recommendationsEvery integration expands system coverageResulting flywheel:More users → Better decisions → Better outcomes → More usersThis creates defensibility through:DataBehaviorIntegration depthRoadmap \u0026amp; MilestonesShort term: Strengthen NoyackAI, expand ProphitAI simulations, and ship more AI agents for NoyackAI focused on tax and cash-management Plays.Mid term: Deeper brokerage and bank integrations, automated execution for approved Plays, and explainable reasoning on every step.Long term: A personal wealth “operating layer” that travels with you across life stages - education, family, entrepreneurship, and philanthropy.Competitive LandscapeTraditional 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 ValuesMission: Make personal wealth management understandable and actionable for everyone—not just the already-wealthy.What we value:Clarity over jargon.Action over theory.Trust through transparency.Compounding good decisions.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 FundsEvery dollar goes toward building smarter AI tools and expanding our movement.🧠 Product \u0026amp; Agents (40%) — advance NoyackAI and ProphitAI; expand agent suite; introduce tax/cash Plays; explainability \u0026amp; guardrails.🌱 Growth \u0026amp; Distribution (30%) — referrals, creator partnerships, YouTube, webinars, campus \u0026amp; employer programs.💾 Data \u0026amp; Infrastructure (20%) — integrations, secure data pipelines, performance at scale, AI evaluation.⚙️ Operations \u0026amp; Compliance (10%) — customer success, legal, financial operations.Goal: Focused on accelerating product capability and expanding reach.Team and SummaryCross-functional leadership spanning finance, AI systems, and product-led growth. Decades of operating experience and investing across cycles.Investment SummaryNOYACK represents an opportunity to invest in:The AI layer for personal financeA closed-loop decision platform (not a point solution)A recurring and scalable business modelA system with compounding data and behavioral advantagesWe are early in defining a category that will shape how individuals manage wealth in the AI era.FAQsIs 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 adviceDo 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.","location":"New York, NY","website":"https://wearenoyack.com/","total_amount_raised":86230,"total_investors":49,"is_funded":true,"is_active":true,"related_urls":["https://wefunder.com/noyack","https://wearenoyack.com/"]},"media":{"share_image_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/141398/xxl_blob.jpg","logo_url":"https://uploads.wefunder.com/uploads/company/logo/141398/large_blob.png","header_media_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/141398/standard_blob.jpg","cover_photo_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/141398/standard_blob.jpg","pitch_deck_url":"https://wefunder.com/rails/active_storage/blobs/redirect/eyJfcmFpbHMiOnsiZGF0YSI6MTAzNDgwNSwicHVyIjoiYmxvYl9pZCJ9fQ==--f5dfa14d703c5391fc1a8c4fb4f01287db92d6e2/avatar.jpg","pitch_deck_filename":"avatar.jpg"},"links":{"company_url":"https://wearenoyack.com/","linkedin_url":"https://linkedin.com/company/wearenoyack/","facebook_url":"https://facebook.com/wearenoyack","instagram_url":"https://instagram.com/noyackwealthclub","youtube_url":"https://youtube.com/@weareNOYACK"},"highlights":[{"id":62736,"name":"notable_angel","url":"notableangel","presentable_name":"Notable Angel","description":"Raised $25k or more from a notable angel investor","image_url":"https://uploads.wefunder.com/2021/profile-highlights-check.svg"}],"quick_facts":[{"index":1,"claim_id":"claim-fact-1","value":"$2.1M of concurrent private round already raised from Accredited Investors at the same valuation"},{"index":2,"claim_id":"claim-fact-2","value":"Progress since last raise in IP protection, platform deployment, and institutional distribution"},{"index":3,"claim_id":"claim-fact-3","value":"Early-stage entry with active momentum $50M valuation with continuous product velocity."},{"index":4,"claim_id":"claim-fact-4","value":"Built for Millennials inheriting $4.8T by 2025 ($89T by 2048). The time is now."},{"index":5,"claim_id":"claim-fact-5","value":"Built by experienced operators with 75+ years combined experience, $1B+ AUM, multiple exits."},{"index":6,"claim_id":"claim-fact-6","value":"Agentic AI that unifies learn→plan→act. From budgeting, tax, investing, retirement in one app."},{"index":7,"claim_id":"claim-fact-7","value":"Built for Millennials inheriting $4.8T by 2025 ($89T by 2048). The time is now."},{"index":8,"claim_id":"claim-fact-8","value":"NOYACK builds AI agents to help you manage money, build wealth, and cut taxes."}],"team":[{"id":3836094,"entity_id":"wefunder:company_role:3836094","user_entity_id":"wefunder:user:4110034","role":"founder","name":"Charles (CJ) Follini","title":"Founder and Chief Executive Officer","bio":"Institutional capital allocator with $1B+ AUM experience and multiple 7x exits. Built NOYACK to bring institutional-grade strategy to individuals through AI.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/3836094/square_avatar.jpg?1774463020","profile_url":"https://wefunder.com/cj.follini","personal_url":"https://wearenoyack.com/","linkedin_url":"https://linkedin.com/in/cjfollini/","related_urls":["https://wefunder.com/cj.follini","https://wearenoyack.com/"]},{"id":6464504,"entity_id":"wefunder:company_role:6464504","role":"employee","name":"Mohamed Koné","title":"Chief Technology Officer","bio":"AI systems architect and former CTO of Lockbridge. Leads development of NOYACK’s core intelligence layer and scalable infrastructure.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/6464504/square_blob.jpg?1774463020","related_urls":[]},{"id":6462076,"entity_id":"wefunder:company_role:6462076","role":"employee","name":"Paola Saladin","title":"Chief of Staff","bio":"Execution leader driving cross-functional alignment and product velocity across the organization.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/6462076/square_blob.jpg?1774463020","related_urls":[]},{"id":6509221,"entity_id":"wefunder:company_role:6509221","user_entity_id":"wefunder:user:4927211","role":"employee","name":"David Merrill","title":"Chief Marketing Officer","bio":"Growth strategist focused on scalable acquisition and investor demand generation across performance channels.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/6509221/square_blob.jpg?1774463020","profile_url":"https://wefunder.com/david.merrill.5","related_urls":["https://wefunder.com/david.merrill.5"]},{"id":6546496,"entity_id":"wefunder:company_role:6546496","user_entity_id":"wefunder:user:5006666","role":"founder","name":"Stephen I. Robie","title":"Chief Financial Officer","bio":"NYU Stern MBA \u0026amp; CPA bringing institutional financial rigor, governance, and capital strategy.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/6546496/square_avatar.jpg?1781109033","profile_url":"https://wefunder.com/stephen.i.robie","linkedin_url":"https://linkedin.com/in/stephen-robie-0065a214/","related_urls":["https://wefunder.com/stephen.i.robie"]}],"featured_investors":[{"id":3307,"entity_id":"wefunder:company_investor_profile:3307","investor_profile_id":3634982,"investor_profile_entity_id":"wefunder:investor_profile:3634982","subject_entity_id":"wefunder:notable_investor:8847","name":"KKR BentallGreenOak  Starwood Capital Group Oaktree Capital Management Ares Management  PGIM Real Estate Apollo Global Management, ","role_title":"","avatar_url":"https://uploads.wefunder.com/2021/user_default_icon_circle.png","profile_url":"https://wefunder.com/kkr.bentallgreenoak..starwood.capital.group.oaktree.capital.management.ares.management..pgim.real.estate.apollo.global.management.","endorsement_name":"","is_lead_investor":false,"related_urls":["https://wefunder.com/kkr.bentallgreenoak..starwood.capital.group.oaktree.capital.management.ares.management..pgim.real.estate.apollo.global.management."]}],"investor_memos":[],"tab_counts":{"posts":2,"ask_questions":5,"featured_investors":1,"faq_entries":1},"active_fundraises":[{"id":94699,"entity_id":"wefunder:fundraise:94699","state":"successful","offering_type":"4(a)(6)","funding_type":"note","structure":"safe","security_type":"equity","currency":"USD","testing_the_waters":false,"min_purchase":250,"max_purchase":9,"funding_target":5000000.0,"minimum_target":"50000.0","maximum_target":"5000000.0","funding_started_at":"2025-12-15T21:32:13Z","funding_closed_at":"2026-05-01T03:59:59Z","auto_close_at":"2026-05-01T03:59:59Z"},{"id":94700,"entity_id":"wefunder:fundraise:94700","state":"successful","offering_type":"4(a)(6)","funding_type":"note","structure":"ttw","security_type":"","currency":"USD","testing_the_waters":true,"min_purchase":250,"max_purchase":9,"funding_target":5000000.0,"minimum_target":"50000.0","maximum_target":"5000000.0","funding_started_at":"2023-08-10T14:35:49Z"}],"latest_fundraise":{"id":94699,"entity_id":"wefunder:fundraise:94699","state":"successful","offering_type":"4(a)(6)","structure":"safe","testing_the_waters":false,"can_invest_now":false,"funding_started_at":"2025-12-15T21:32:13Z","funding_closed_at":"2026-05-01T03:59:59Z","terms":{"eb":"$40M","nb":"$50M","txt":"valuation cap"}},"recent_posts":[{"id":252544,"entity_id":"wefunder:feed_item:252544","type":"FeedItem::Spotlight","visibility":"public","published_at":"2026-02-03T16:14:07Z","author_name":"Charles (CJ) Follini","url":"/feed/252544","canonical_url":"https://wefunder.com/feed/252544"},{"id":252539,"entity_id":"wefunder:feed_item:252539","type":"FeedItem::Spotlight","visibility":"public","published_at":"2026-02-03T16:12:46Z","author_name":"Charles (CJ) Follini","url":"/feed/252539","canonical_url":"https://wefunder.com/feed/252539"}],"q_and_a":[{"id":324007,"entity_id":"wefunder:comment:324007","question":"Hi Scott - excellent questions. hope this helps Answer 1 - Short Answer: Day 1 is \"Co-Pilot\" (Human-in-the-Loop). Day 365 is \"Auto-Pilot\" (Agentic Execution).Launch Functionality: On Day 1, the AI is a \"Staging Engine.\" It connects to your accounts (via Plaid/Apex), analyzes the portfolio for inefficiencies (The \"Lazy Tax\" Audit), and stages the necessary trades (e.g., \"Sell TSLA to harvest $3k loss, buy SPY to maintain exposure\").Execution: The AI can place the trade, but at launch, we mandate a \"Human-in-the-Loop\" (HITL) confirmation. The AI cues up the transaction; the user clicks \"Approve.\" We do not allow fully autonomous money movement on Day 1 for safety and trust building.The Trajectory: As the user \"trust score\" increases, they can toggle on \"Autonomous Mode\" for specific parameters (e.g., \"Auto-harvest any loss over $500\").Answer 2: The Short Answer: We leverage \"Embedded Finance\" partners for the heavy lifting while operating as a Digital Finance Enablement Platform first.Educational vs. Advisory: At launch, we operate primarily as a Technology Platform that provides data analysis (The \"Lazy Tax\" Score), similar to how tax software works. The user retains final decision-making power (Self-Directed).The RIA Path: As we move toward fully autonomous trading (The \"Auto-Pilot\" phase), we will transition into a Registered Investment Advisor (RIA) structure (Internet-only adviser exemption).Operations Allocations: The \"5% for operations\" figure you noted is specifically regarding the Raise Proceeds. This is a feature, not a bug. Because the Administrator (Noyack Capital) absorbs the overhead (rent, legal, back-office), 95% of your investment dollars go directly to Product (Code) and Growth (Acquisition). We don't use your capital to keep the lights on; we use it to build the asset. Answer 3 - the asset management arm of NOYACK is an entirely separate business; there are no fees other than subscription at this time. If, in the future, the user chooses a Noyack sponsored fund, then those fund fees apply only. Answer 4 - Controls: We have a strict \"Explainability Protocol.\" The AI cannot just say \"Sell Apple.\" It must say: \"Sell Apple because you have a $400 unrealized loss that expires in 30 days, and the stock is down 15% vs sector.\"Review: As mentioned in Q1, the user has \"Veto Power\" at launch. Every action is presented as a \"Mission\" card that the user must swipe to approve or reject.The Kill Switch: Users have a master toggle to revert the AI from \"Agent\" (Doer) back to \"Analyst\" (Advisor) instantly. Trust is earned in drops and lost in buckets; we give the user the faucet handle.","author_name":"Charles (CJ) Follini","votes":5,"created_at":"2026-01-29T18:45:10Z","canonical_url":"https://wefunder.com/noyack#question-324007","answers":[]},{"id":324006,"entity_id":"wefunder:comment:324006","question":"Charles \u0026amp; team, When you have a moment, would appreciate if you can respond. Question 1: What the AI Actually Does (Day 1) • What will the AI actually be able to do when the product first launches? • Will it just analyze data and make recommendations, or will it be able to take actions like placing trades, rebalancing portfolios, or doing tax-loss harvesting? • How much autonomy does the AI have at the beginning, and how does that change over time? Question 2: Compliance \u0026amp; Regulation Path Even at the $5M raise level, only 5% of funds are allocated to operations and compliance. At the same time, the offering mentions possible regulatory scrutiny if AI recommendations are considered “investment advice.” • Are you planning to operate as an educational tool at first, or as something closer to a registered investment advisor over time? • How much of the compliance work is handled directly by NOYACK vs through the Administrator? Question 3: Administrator Fees \u0026amp; Investor Alignment With no employees, NOYACK relies entirely on Noyack Capital LLC as the Administrator, which receives a 2% annual management fee and a 20% share of profits on a sale. • Practically, what safeguards are in place to make sure most of the money raised goes toward building the product and long-term value creation — rather than being absorbed by ongoing administrative fees? Question 4: User Trust Trust feels like the hinge point for fintech products, especially when AI is involved. • What controls will users have over the AI’s decisions at launch? • For example, will users be able to review and approve actions, see the reasoning behind recommendations, or easily turn automation on and off? thx much!","author_name":"Scott Renda","votes":4,"created_at":"2026-01-29T18:25:20Z","canonical_url":"https://wefunder.com/noyack#question-324006","answers":[]},{"id":324700,"entity_id":"wefunder:comment:324700","question":"Hi, can you elaborate on how you got to the $50M valuation? I do not see a history of funds raised or revenue; what basis did you use to get to this point?","author_name":"Nathan Brantley","votes":3,"created_at":"2026-02-07T17:04:42Z","canonical_url":"https://wefunder.com/noyack#question-324700","answers":[{"id":326027,"entity_id":"wefunder:comment:326027","answer":"Our prior round with family offices, valued the company at 20 million. In early stage venture capital valuation is an art not a discounted cash flow science. In discussion with our advisors as well as our largest investors, it was agreed that $50 million evaluation was conservative for an entity like ours with extensive experience in the largest addressable market in history - agentic AI. Some may disagree, but that's why investing an early stage companies is a choice to bet on the future","author_name":"Charles (CJ) Follini","votes":1,"created_at":"2026-02-23T15:45:41Z"}]},{"id":324252,"entity_id":"wefunder:comment:324252","question":"Thx Charles, helpful.","author_name":"Scott Renda","votes":3,"created_at":"2026-02-02T21:55:00Z","canonical_url":"https://wefunder.com/noyack#question-324252","answers":[]},{"id":332731,"entity_id":"wefunder:comment:332731","question":"Hey there, have a few questions. 1) NOYACK describes a multi-agent framework with NoyackAI, ProphitAI, and a third agent called Quarterback.ai. What is the current development status of each, and what's the realistic timeline to a fully integrated experience? 2) NoyackAI is described as a small language model (SLM) built by NOYACK, not a wrapper on a third-party model. What does \"built by NOYACK\" actually mean — did you train a model from scratch, fine-tune an existing one, or build a RAG system on top of a commercial AP? 3) ProphitAI is positioned as a tool for RIAs, but all final recommendations and approvals are left to licensed advisers. Have you received any guidance from the SEC or FINRA on how agentic AI tools fit into the RIA oversight framework — especially as the SEC ramps up scrutiny of AI-generated financial content? 4) What are your current user numbers, engagement metrics, and subscription revenue? Before evaluating a $40–50M valuation cap, investors like myself need to understand the actual size of the business today. 5) I know you previously raised money but can you disclose the investors potentially that invested? If they are Tier 1 VCs or prominent angels, it would be helpful to some. 6) Betterment, Wealthfront, and now Robinhood and Schwab all have AI-assisted financial planning features with massive distribution advantages. What specifically can NOYACK do that they can't or won't — and why won't they just copy it? 7) NoyackAI is explicitly positioned as an educational tool that does not provide personalized securities recommendations. At what point, if ever, does NOYACK intend to register as an RIA or broker-dealer, and what would trigger that decision? 8) In presentations, you've described a \"funnel-based approach\" where NOYACK acquires audience, then consumer, then subscriber, then investor - spreading CAC across the funnel to improve the CAC/LTV ratio. What is the actual CAC at each stage today, and what's the LTV assumption that makes the math work? 9) NOYACK's marketing is heavily content-driven like articles, newsletters, social posts, podcast appearances. How long does the average lead take to convert from first content touchpoint to paid subscription, and is that cycle getting shorter or longer as the product evolves? 10) Financial products live and die on trust, especially with younger audiences burned by crypto hype. How does NOYACK's brand positioning handle the tension between \"AI that executes financial actions\" and the skepticism that demographic has toward automated financial products? 11) What are the hard limits on what an agent can do autonomously, and who is legally liable if an autonomous trade causes a loss — the user, NOYACK, or the custodian? 12) If the AI misclassifies a tax lot, mistimes a trade, or executes an action based on corrupted or stale data from Plaid, what is NOYACK's error-resolution process? Does NOYACK carry errors and omissions (E\u0026amp;O) insurance to cover AI-driven mistakes?","author_name":"Tristin Chambers","votes":1,"created_at":"2026-04-30T23:36:59Z","canonical_url":"https://wefunder.com/noyack#question-332731","answers":[]}],"faq":[{"question":"Hi, can you elaborate on how you got to the $50M valuation? I do not see a history of funds raised or revenue; what basis did you use to get to this point?","answer":"Our prior round with family offices, valued the company at 20 million. In early stage venture capital valuation is an art not a discounted cash flow science. In discussion with our advisors as well as our largest investors, it was agreed that $50 million evaluation was conservative for an entity like ours with extensive experience in the largest addressable market in history - agentic AI. Some may disagree, but that's why investing an early stage companies is a choice to bet on the future"}]}}}