Budget Planning
Create, tune, and track budgets combining AI-based forecasting that reflects actual financial behavior with your unique knowledge of your future plans.
The Individualized Financial Management Platform™
Understand your money today. Shape your financial future.
TiVaMo helps individuals and families model budgets, cash flow, assets, goals, and long-term financial decisions in one connected platform built around the Time Value of Money - enabling them to get the right value from the right amount of money at the right time to meet their needs at every moment of their individual, unique, life journey.
ManagedAI
MultipleDecision Tools and Solutions
SecureData Framework
Solutions
Everything you need to manage your individualized financial well-being today, this week, this month, this year, and into the future.
One connected platform to help users understand their options, make better decisions, and manage the journey from today through retirement and beyond.
Cash Flow Management
Review projected cash flow and upcoming obligations so day-to-day financial decisions stay grounded, while planning for exciting life events or getting through unexpected challenges..
Financial Asset Tracking
Get a "single pane of glass" view of all your financial assets in one place showing how your finances are evolving week by week to meet your annual and retirement goals.
Target Planning
Model long-term investment, retirement, and net-worth scenarios with decision-focused projections to help you optimize taxes, comfortably meet your retirement needs and manage generational wealth..
Budget Tracking
Understand your historical spend, your projected expenses, and how they align with your budgets, so you can achieve the right balance between saving and spending to get the most value from your money for your life now and into the future.
Tools
To make it easy to set up who you are, your plans, goals and preferences.
And connect all the financial data to start making your money work to deliver value for your UNIQUE life!
Questionnaire
Use a guided questionnaire to capture all of the unique details about you, and your plans goals and aspirations.
Financial Account Connect
Connect all your financial accounts so that your data can be used in a timely manner to provide the solution insights and recommendations.
Data Manager
Use a powerful AI-driven capability to review and manage available ingested/enriched data to make the solution insights and recommendations work better for you.
Tiva AI Agent
Use conversational assistance to collect information, explain progress, and support decisions.
How It Works
Human designed. AI native.
TiVaMo guides setup, connects data, and turns financial information into usable decision support.
01
Set up your information
Complete the questionnaire and connect accounts through secure financial data integrations.
02
Launch the solutions
Access budget planning, cash flow management, financial asset tracking, target planning and budget tracking, from a single unified platform design.
03
Explore and act
Review interactive scenarios, recommendations, and progress indicators to make timely decisions.
Security
Designed for sensitive financial data.
TiVaMo is built around multi-level data protection, secure account integration, controlled authentication, and separation between the marketing site, application, and internal administration layers.
Customer financial account credentials are not stored by TiVaMo. Authentication, account creation, subscription handling, and application access are kept in distinct layers.
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The Individualized Financial Management Platform
FocusTime Value of Money
ArchitectureSegmented services
Data postureSecurity-first
Decision modelIndividualized
Ready to see how money delivers value for your individual, unique life journey?
Start with a guided setup and go beyond personal finance management and toward connected, individualized financial decision support.