How CHIP Works
Your financial team. Finally coordinated.
Most people have financial professionals who’ve never spoken to each other. CHIP fixes that, by matching you with the right team and making sure they work together around your life, not the other way around.
What does CHIP actually do?
We match you with a coordinated team of financial professionals (a CFP, CPA, coach, or estate attorney) based on who you are and where you are financially.
How is this different from finding an advisor myself?
When you find advisors on your own, they don't know each other. On CHIP, your team is matched to work together: around your goals, your money archetype, and your financial season.
How much does it cost to get started?
Taking the quiz, getting matched, and completing your first intake session is completely free. You only pay when you choose to move forward with a professional.
01: What We Do
We build your financial team. Then we make them talk.
Most financial services give you one advisor and call it a day. CHIP gives you a coordinated team: every professional matched to your specific situation and connected to each other from day one.
Step 1
We figure out who you are financially
Not your income. Not your net worth. Your actual relationship with money: how you think about it, what stresses you out, what you're working toward. We call this your Money Archetype.
"I've never been asked about my money mindset before. I thought I'd get a list of products. Instead I got a profile that actually sounded like me."
Step 2
We identify your financial season
Where you are right now matters as much as who you are. Building your first emergency fund is a completely different situation than managing a growing investment portfolio. Your season tells us where to start.
Building · Stabilizing · Expanding · Recovering: four distinct seasons, each with its own professional priorities.
Step 3
We match you to your team
Based on your archetype, your season, and your specific goals: we match you with vetted financial professionals who specialize in your situation. No cold calling. No searching. No guessing who's right for you.
Every professional on CHIP holds verified credentials (CFP, CPA, EA, AEP, AFC, and more) verified through FINRA's official designation database.
Step 4
Your team actually works together
This is the part most platforms skip. Your financial planner knows your CPA. Your coach knows your advisor. When your life changes, your whole team adjusts, not just one person in isolation.
"I finally feel like my money has a team behind it, not just a random collection of people I found on Google."
02: How We Do It
Five steps. Three minutes. One coordinated team.
Here’s exactly what happens from the moment you land on CHIP to the moment you meet your first professional.
1
The Quiz: 3 Minutes
You tell us who you are
Ten questions, no financial jargon, no income brackets, no trick questions. We're learning about your relationship with money: how you think about it, what you're working toward, and where you are in your journey right now.
What happens during the quiz
- 10 questions across 4 categories: Orientation, Situation, Life Context, and Aspiration
- Your answers are weighted and scored to identify your Money Archetype
- A Financial Season diagnostic fires automatically after your archetype is identified
- Both your archetype and season are used together to build your match profile
- No account required to complete the quiz: it's free and takes about 3 minutes
2
Your Profile: Instant
We identify your Money Archetype
After the quiz, CHIP's matching algorithm scores your answers and identifies which of the five Money Archetypes fits you best: Explorer, Builder, Optimizer, Protector, or Architect. Each one maps to a specific set of financial priorities, professional types, and goals.
The 5 Money Archetypes
- Explorer: Building foundation, first steps, debt clarity
- Builder: Growing income, first investments, creating structure
- Optimizer: Stability, tax efficiency, system optimization
- Protector: Family security, estate planning, protection
- Architect: Legacy planning, generational wealth, business exits
3
Intake: 7 Questions
We personalize your dashboard
Seven optional questions help us calibrate your professional matches even further: your debt situation, investment status, family picture, business ownership, and your biggest money concern right now. You can skip any or all of them, but the more you share, the better your match.
What the intake covers
- Income situation, to match professionals suited to your stage
- Debt status, so debt strategy is part of your team's focus if needed
- Emergency fund: tells us where to start the conversation
- Investment status: helps identify your investment stage
- Estate planning: calibrates whether estate pros belong on your team
- Business ownership: completely changes your tax and insurance picture
- Biggest money concern: makes sure your first professional match is right
4
Matching: Algorithm-Powered
Your dashboard and team are built
Your personalized CHIP dashboard assembles your matched professionals, sets up your goals based on your archetype, and surfaces the tools, content, and sessions most relevant to your financial season. Everything is calibrated to where you actually are.
Your dashboard includes
- Your matched financial team (CFP, CPA, coach, attorney) curated to your profile
- Season posture: what to focus on right now based on your financial season
- Active goals: preset from your archetype, fully editable
- Stretch goals: the next phase of your financial journey, already mapped out
- Recommended reading, sessions, and tools: all persona-filtered
5
Your Team: Free Intake Included
You meet your professionals
Review your matched professionals' profiles, read their specializations, and book your first free intake session: all inside CHIP. Your team can see your archetype and season before you even walk in, so the conversation starts at the right place.
What the professional relationship looks like
- Every professional has been vetted: credentials verified through FINRA
- You see their specializations, client focus, and approach before booking
- First intake session is free, no commitment to continue
- Your team members can communicate with each other through CHIP
- As your situation changes, your team adapts with you
03: Why It Matters
The financial system was built for people who already had a head start.
The wealth gap in America isn’t an accident. It’s the result of decades of coordinated financial guidance being available only to people who already had significant wealth, or knew someone who did. CHIP exists to change that equation.
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Most financial professionals work in silos.
Your financial advisor doesn't know what your CPA said about your taxes. Your CPA doesn't know what your advisor said about your investments. Your insurance agent doesn't know either. Every decision gets made without the full picture, and you pay the price.
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The advice gap costs real money.
The difference between having coordinated financial guidance and not can be hundreds of thousands of dollars over a lifetime, in taxes paid unnecessarily, insurance gaps that become crises, investments that don't align with your actual goals, and estate decisions made too late.
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Generational wealth doesn't build itself.
The families who successfully pass wealth across generations aren't smarter or luckier. They have coordinated teams working on their behalf: long before they reached the $5M threshold that most private wealth firms require to get that kind of attention. CHIP makes that team accessible from your first dollar.
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Financial literacy shouldn't require a degree.
The jargon, the acronyms, the fine print: the financial industry has historically used complexity as a barrier. CHIP strips that away. Every credential explained in plain English. Every recommendation tied to your specific situation. Every conversation designed to leave you more informed, not more confused.
The most dangerous thing in personal finance is professionals who don’t talk to each other.
We built the infrastructure to fix that, and we make it available to everyone, regardless of income, wealth, or zip code.
$0
to take the quiz, get matched, and complete your free intake session
25
verified financial credentials decoded in plain English in our Teamopedia
04: Why It Matters For You
Your situation is specific. So is our answer.
CHIP isn’t a one-size-fits-all platform. Click on your situation below to see exactly how CHIP works for someone like you.
I want to get my money together: I just don't know where to start.
You're not broken. You're at the beginning of a real financial journey, and the hardest part isn't the math: it's finding someone who explains things without judgment, without jargon, and without trying to sell you something.
CHIP matches Explorers with financial coaches and planning professionals who specialize in first-generation wealth building, debt clarity, and building a foundation that actually holds.
Your free intake session focuses on where your money is actually going, what's standing between you and your first financial win, and which professional should be your first step.
Quiz identifies you as an Explorer in Building season
Your profile is built around getting clarity, not complexity.
Matched with a Financial Coach (AFC)
Someone who helps you build the system, not just the spreadsheet.
Free intake covers: debt, cash flow, emergency fund
The three things that change everything when they're under control.
Dashboard shows: goals, progress, next steps
You always know exactly what you're working on and why.
As you grow, your team grows with you
When you're ready for a CFP or CPA, they're already in your network.
My income is growing. I want to actually do something smart with it.
You've got momentum. The gap between where you are and where you want to be is closing, but only if you build the right systems now. Without a coordinated strategy, growing income can actually create more financial chaos, not less.
CHIP matches Builders with CFPs who specialize in growth strategy and investment planning for people in the exact income stage you're in, not just those who've already made it.
Your intake zeroes in on your investment starting point, tax optimization opportunities, and whether a CPA should be your next team member.
Matched with a CFP focused on growth planning
Someone who builds around your income trajectory, not just your current balance.
CPA added to your team for tax strategy
Year-round, not just April, so every financial decision has tax awareness built in.
Dashboard goals: first investments, income protection, emergency fund completion
Each goal mapped to a specific professional on your team.
I have the systems. I want to make sure every dollar is working as hard as possible.
You've done the work. But there's a gap between having financial systems and having aligned financial systems, and that gap is costing you money quietly, every year. Tax drag, uncoordinated advisors, missed optimization opportunities.
CHIP matches Optimizers with tax strategists and investment advisors who audit what you have and coordinate around each other to close the gaps.
Your intake maps your current professional relationships, investment accounts, and tax situation so we know exactly where the gaps are before your first session.
CPA and investment advisor matched and coordinated
Your tax strategy informs your investment strategy and vice versa.
Dashboard shows: optimization opportunities, tax efficiency score
Visible gaps: what you're leaving on the table and what to do about it.
Ongoing team check-ins as your situation evolves
When your income changes, a deal closes, or tax law shifts: your whole team knows.
If something happened to me, would the people I love be okay?
You've built something real, and the weight of that is real too. Estate planning, insurance coordination, and family financial security aren't just checkbox items for Protectors. They're everything.
CHIP matches Protectors with estate planning attorneys and insurance specialists who specialize in building protection around families that are just beginning to accumulate real wealth.
Your intake reviews your current coverage, beneficiary designations, and whether your family is actually protected, or just thinks it is.
Matched with estate attorney + insurance specialist
Two professionals who work together to build real protection, not just sell policies.
Will, trust, and beneficiary review included in intake
Most families have gaps they don't know about. Your intake finds them.
Dashboard goals: estate documents, coverage audit, beneficiary alignment
Each one tied to a specific professional and a clear timeline.
I'm thinking in decades: about legacy, generational impact, what I leave behind.
Architects operate at the intersection of business, wealth, and legacy. You're not just building personal financial stability: you're building systems that generate, protect, and transfer wealth across time.
CHIP matches Architects with wealth advisors, business tax strategists, and estate attorneys who are coordinated around the complexity of what you're building, not just the basics of what you have.
Your intake maps your business structure, investment portfolio, estate situation, and generational goals so your team starts with the full picture.
Full team: wealth advisor + business CPA + estate attorney
Coordinated around your goals from the first conversation.
Dashboard includes: business exit planning, trust structure, legacy goals
The long game: mapped out and actively tracked.
Cross-generational planning built in
Your team plans not just for your life, but for what comes after.
Interactive Prototype
05: See the Technology
This is what CHIP actually looks like.
Click through the screens below: take the combined quiz, drop your details, and watch your money archetype, your financial season, and your personal dashboard come together.
Orientation
When you think about money, what's your first instinct?
Your Archetype + Your Season
The Explorer
You're building your financial foundation, and Explorers need a trusted, judgment-free starting point. This is the most important season, and the most overlooked. Most Explorers have never had someone in their corner who explains things without judgment, without jargon, and without trying to sell them something.
✦ Your Match Is Ready
Your wiring (Explorer) and where you are right now (Building season) both shape your matches. Your financial coach specializes in first-gen journeys, debt clarity, and building a foundation that actually holds. They're waiting for you inside.
Welcome, Explorer: Building Season
Your focus right now: cash flow clarity, emergency fund, and your first financial system.
Your Team
Active Goals
Supported By
Backed by investors and partners who believe financial equity is the next frontier.
VENTURES
Mutual®
Logos and partner names are property of their respective organizations.
Ready to meet your team?
Take the 3-minute quiz. Get matched. Meet your professionals. All free to start.
Free · No sales pitch · No pressure · No credit card