Candidly AI Financial Guidance Platform adds six new capabilities to enhance personalized financial guidance for enterprises and financial institutions. The latest additions come through the Candidly Intelligence Center and will be available via the company’s MCP gateway and API by the end of the month. The rollout also coincides with the opening of Trump Account donations July 4. The Candidly AI Financial Guidance Platform is designed to empower end users with personalized financial experiences, while helping organizations deliver better financial outcomes. The Candidly AI Financial Guidance Platform also expands Candidly’s existing student debt and college planning features.
The latest release includes new guidance on retirement planning, equity compensation, budgeting, benefits intelligence, account management and Trump Accounts. Additionally, each capability functions as a configurable and composable AI stack in the Candidly Intelligence Center.
These capabilities can be integrated into the organization’s own customer-facing applications via APIs. Candidly has also announced upcoming white-labeled front-end solutions it plans to launch this fall for partners wanting a full experience.
All capabilities have five core components working together to provide reliable financial advice. These include curated knowledge bases, deterministic skills and tools, permissioned data integration, actionable workflows, and visual components that support financial decisions.
New Guidance aids launch of Trump accounts
One of the biggest additions is for Invest America accounts, also known as Trump Accounts. These new tax-advantaged children’s investment accounts were created under the One Big Beautiful Bill Act (OBBB). Regular contributions are anticipated to begin on 4 July 2026.
In 2025-2028, eligible children will receive a one-time contribution of $1,000 from the U.S. Treasury. Employers also can contribute to these accounts. The first $2,500 that employees contribute annually is exempt from taxable income. Many employers may also match contributions for employees’ children.
Candidly’s advice helps users figure out if they qualify, decide how much to contribute, and compare employer matching options with their own financial situation. So financial institutions can help a lot of families at the right time when they make these investment decisions for the first time.
“These six capabilities unlock what we’ve always believed is possible: enabling the industry to meet every participant and investor where they are, with holistic, N=1 personalized guidance that harmonizes across both sides of the balance sheet,” said Laurel Taylor, Founder and CEO of Candidly. “The divide in the market right now is stark: generic guidance built for the masses on one side, deeply personalized digital experiences on the other. The composable stack we’re releasing enables the financial services industry to cross that chasm, defend market share, and grow. And when the industry incumbents move the market, hardworking Americans get the guidance they deserve.”
Six AI Capabilities Expand Financial Guidance
The newly introduced capabilities allow partners to deploy individual solutions or combine multiple services into broader financial wellness programs.
The platform now supports Invest America account guidance, retirement planning, account guidance across retirement and investment accounts, budgeting assistance, benefits intelligence, and employer equity plan guidance. Additionally, the retirement module includes 401(k) optimization, employer match analysis, Roth strategy recommendations, and decumulation planning.
The account guidance capability brings together retirement accounts, brokerage accounts, 529 plans, health savings accounts, and held-away accounts into a unified view. Meanwhile, budgeting provides transaction-based cash flow guidance, while benefits intelligence uses semantic search to interpret employer plan documents based on an individual’s eligibility. Employer equity guidance also helps employees evaluate enrollment periods, tax implications, contribution levels, and the trade-offs between holding or selling equity.
Enterprise-Grade Compliance Supports AI Financial Guidance
Candidly designed every capability using deterministic AI principles to ensure calculations remain transparent and auditable. Furthermore, the platform processes guidance using permission-based institutional data, including payroll information, account balances, financial transactions, and benefits elections.
The infrastructure also meets strict enterprise security requirements. It holds SOC 2 Privacy and SOC 2 Type II certifications, aligns with NIST 800-53 Rev. 5 standards, supports on-premises deployment, and has successfully completed vendor risk reviews by several of the country’s largest financial institutions.
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News Source: Businesswire.com
