Why Quinn Exists: Turning Financial Anxiety Into Clear, Actionable Guidance
Quinn didn’t start as a grand “AI vision.” It started as a human moment.
After years building sophisticated cybersecurity systems, Asaf Amir, Quinn’s Co-founder and CTO was asked a question at home that many people quietly avoid:
“When we retire… what happens?”
His answer surprised even him: “Honestly, I have no idea.” He did what responsible people do, he met with a financial advisor, got a plan, and walked away grateful. He also walked away with a sharper realization:
Somewhere between the advisor’s expertise and the client’s insecurity, a crucial “translation layer” is missing.
The plan existed. The guidance existed. However, it lived in an advisor’s head, an internal playbook that was hard to explain, hard to repeat, and even harder to deliver at scale.
Today, traditional advice is episodic, with service delivered once or twice a year, and is gatekept by meetings, availability, and cost. However, real life is dynamic, income fluctuates, emergencies are unpredictable, and decisions can’t always wait for the next scheduled check-in.
What people need should not be crammed into a bi-annual review. They need clarity in the moments that matter. They need a financial assistant at the fingertips.
That’s the moment Quinn became inevitable:
What if a modern financial plan could be generated with the clarity of an executive summary, fast, consistent, and easy to act on, without making people feel small?
The problem today: Quality advice is scarce, complex, and has gatekeepers
If you’ve ever left a financial conversation feeling overwhelmed, you’re not alone. Today, there are several barriers for everyday Americans to obtain quality financial planning including:
1) Retirement looks different and expectations are shifting
A growing share of Americans doubt they’ll be able to retire on time. In TIAA’s 2025 survey, nearly two-thirds of Americans said retiring “on time” (65–70) feels unattainable, and only 37% said retiring on time is realistic for them.
That fear is not abstract. It shapes everyday decisions: saving, borrowing, taking jobs, delaying life milestones, and living with constant financial anxiety.
In tandem, there’s another shift happening beneath the surface: younger generations don’t view retirement the same way their parents did.
For many Gen Z and millennials, the goal isn’t “work until 65 and stop.” It’s centered around financial independence that unlocks options, flexibility, and the freedom to work less, take breaks, build income streams, and let their money work for them earlier in life.
At the same time, the modern economy is more volatile. Nonlinear careers, fluctuating income, and rising costs are widening the gap between financial aspiration and financial reality.
When goals become more ambitious and income less predictable, clarity isn’t optional. It’s foundational.
2) Financial literacy is stagnant and education alone isn’t enough
The knowledge gap to navigate modern money is widening and financial literacy is not keeping pace. The TIAA Institute–GFLEC P-Fin Index found U.S. adults answered only 49% of financial literacy questions correctly in 2025, the same as 2017.
In a society where the decisions are more complex, the stakes are higher, and yet, the average person is expected to just “figure it out.”
At the same time, a new reality has emerged: hundreds of millions of people now turn to large language models (LLMs) for answers. These systems are incredibly powerful. They can explain concepts, compare options, and synthesize information in seconds.
Why isn’t that enough?
Because financial guidance is not just about generating smart-sounding responses. It requires:
- Consistency: The same inputs should produce the same outputs.
- Prioritization: Knowing which recommendation matters most for this specific person’s needs
- Determinism: No hallucinations, no shifting advice
- Personalization: Grounded in structured financial logic
- Accountability: Especially in the heavily regulated financial services industry
General-purpose LLMs are designed to predict language. Quinn is designed to generate actionable financial plans.
We don’t rely on probabilistic outputs that may vary from day to day. We’ve built structured, purpose-driven models that translate a user’s financial reality into clear, prioritized next steps tailored to them.
LLMs can educate. Quinn can guide.
In a financial world where precision, predictability, and trust matter, that difference is everything.
3) The industry can unintentionally reinforce confusion
In Quinn’s earliest customer interviews, one moment became a turning point: a user reviewing an insurance section said she didn’t understand it and needed to “call her partner.”
That’s not a “user problem.” That’s a product problem.
It also reflects something bigger: financial systems are often designed around expert workflows, not human understanding. When advice feels like a black box, trust erodes, and people delay action.
4) Advisors do not have enough time to serve everyone that wants a plan
Even great advisors have capacity limits of roughly ~150 clients, according to industry estimates. Initial discovery meetings, manual data gathering, planning work, and initial preparation meetings can take an advisor days before returning a plan to a client. Further, there is a looming advisor shortage as demand grows and many advisors approach retirement, according to Mckinsey.
When the demand for personalized advice is growing but depends on a dwindling supply of experts, it will stay scarce and expensive.
Quinn’s hypothesis: The guidance gap is structural and growing
Quinn is on a mission to close the guidance gap and lower the industry standard of “finance for the wealthy” to guidance that actually reaches people in language they can use, with steps they can take.
Because for most households, the biggest risk isn’t optimizing a portfolio, it’s a blend of:
- not knowing what to do first
- not knowing what matters most
- not taking action because the plan is too confusing
Two early insights that shaped Quinn’s product approach
From early customer interviews and product iterations, two beliefs became Quinn’s “North Star.”
1) Clarity is a feature, not a nice-to-have
People don’t want a 50-page report. They want to know:
- Where do I stand?
- What should I do next?
- How much, and why?
This aligns with a broader trend: the best consumer experiences reduce cognitive load. In financial services, reducing complexity isn’t dumbing it down, it’s respecting people’s time and attention.
2) Guidance should be consistent, not random
There’s an important nuance in Quinn’s technical philosophy,especially as generative AI becomes mainstream.
Many LLM-based experiences can be helpful for education, but in regulated or high-stakes contexts, you need predictability: the same inputs should reliably produce the same outputs.
At Quinn we emphasize that consistency matters in financial guidance to establish trust with end customers and to remain compliant with industry standards. Our system is built around structured decisioning and repeatable logic, rather than “whatever the model feels like today.” This ensures that safety and trust scale as we grow.
Why Quinn?
Quinn was born from a simple realization: good financial guidance shouldn’t be scarce, confusing, or locked behind jargon. While everyday Americans juggle dozens of apps and point solutions to manage their money, the experience of receiving a clear, personalized financial plan still feels fragmented, and often like a black box.
Quinn flips that dynamic. We translate expert financial knowledge into clear, repeatable, and actionable steps people can actually follow. Because for most households, the biggest risk isn’t choosing the wrong strategy, it’s doing nothing at all simply because the next step was never clearly defined.
For publishers, banks, RIAs, and fintech firms Quinn makes it possible to deliver that clarity to end customers at scale. Our platform transforms complex financial data into prioritized next steps in minutes, not weeks, helping institutions deepen engagement, unlock new revenue opportunities, and empower their customers to move from uncertainty to action with confidence.