Imagine earning nearly six figures, saving diligently, and still being told you “don’t have enough to work with.” Forty‑two million Americans are stuck in that purgatory. Traditional advisors demand quarter‑million‑dollar minimums; robo‑advisors answer with prefab portfolios that ignore your real life. Meanwhile, home prices keep climbing, student‑loan interest is back, and TikTok hypes a new “can’t‑miss” asset every week. You need a personal CFO—yet today’s market gives you a vending machine.

After a decade of building multi‑asset strategies for pensions and endowments, our co‑founder Matthew Glossop knew Wall Street’s playbook could work for Main Street. He joined forces with Alex Duria—ex‑Microsoft engineer and former wealth manager—to create Fulfilled, the first U.S.–regulated, AI‑driven wealth manager that puts private bank power in everyone’s pocket without moving a single dollar.

Using bank‑level security, Fulfilled links to the accounts you already have. In seconds our system securely digests every deposit, debt, and dream; ranks your goals; and engineers bespoke target‑date portfolios drawn from the entire investable universe—public markets, treasuries, alternatives, and institutional‑grade ETFs. One tap executes the strategy right inside your current brokerage. Think Google Maps for money: turn‑by‑turn guidance, automatic detours when life or markets change, zero guesswork.

By skipping the painful asset‑transfer step, Fulfilled slashes onboarding friction and unlocks advice for the 90 % of households the industry ignores. Every feature fights financial anxiety: real‑time health scores track progress, gamified lessons build confidence, and smart nudges keep you on course.

We’ve proven it works. Since our private alpha opened, 247 users have linked $11 million, and over a quarter already pay $10 per month for peace of mind.

Imagine opening an app and seeing every life goal—first home, kids’ college, early retirement—funded and on schedule. That’s Fulfilled: sophisticated investing, everyday confidence for everyone.