LIFE AHEADCareer · Travel · Marriage · Home · Family
LIFE CHANGESCareer · Family · Unexpected change · Recovered
THE INDIVIDUALIZED FINANCIAL MANAGEMENT PLATFORM™
Your life is unique and constantly evolving.
Your financial management should too.
Let's build individualized financial management around the life you want today — and adapt it as change happens, so you can keep building the life the way you want it to be.
Start Building →Life keeps moving.Navigate it your unique way, one decision at a time.
YOUR TIME. YOUR VALUE. YOUR MONEY. YOUR LIFE.
What if "Time Value of Money" is about your Money making what you Value possible, over your lifetime?
Your financial life isn't really about finance. It's about the life you're trying to build.
TIME
VALUE
MONEY
VALUES EVOLVEFamily · Parents · More Time · Legacy
The right Money put to the right use at the right Time to create the right Value for your life.
ADVICE AND TOOLS
Generic advice and inadequate tools aren't built for your individualized needs. Neither is handing over responsibility for the life only you understand.
More ComplexityLess TimeLess Margin for Error
Financial advisors and institutions can help with pieces of your financial life. But each only sees an aggregated view, a moment in time or a slice of the life you are actually trying to manage.
GenAI can answer a question. It does not automatically carry the full context of your evolving financial life from one decision to the next.
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GENAI
Useful answers. Not a continuous financial-management system.
One question at a time can miss the connections between your Values, Time and Money.
BANKS / NEO-BANKS / INSTITUTIONS
Products and account views are pieces of the picture.
They don't inherently understand how your whole financial life fits together around what you Value.
BUDGETING APPS
Spending less isn't the goal.
Spending appropriately for the life you want and what you Value is.
FINANCIAL PLANNERS / ADVISORS
Expert advice can matter. Life keeps happening between meetings.
Continuous context helps you know when professional expertise deserves to come back into the conversation.
RETIREMENT / NET-WORTH APPS
Accumulating the most Money isn't necessarily the goal.
The goal is having the right Money at the right Time for the life you want now and later.
SAVINGS / FINANCIAL WELLNESS APPS
Saving more isn't always the answer.
Saving and spending appropriately should serve what you Value and when you Value it.
SPREADSHEETS
They can be individualized. But you are still the integration layer.
It takes a lot of time to build it, connect it, maintain it, interpret it and update it as life changes.
THE SHARED LIMITATION
These point solutions can't meet your needs.
Your life gets more connected.
Complexity increases, work and family demand more of your available time, and the margin for error gets smaller as your life progresses. You need a financial management capability that gets you from data to decision quickly and then takes care of the execution.
Your decisions need trusted data.
Don't make important decisions using financial data you can't trust. Build plans and make decisions based on data that is continuously cleansed using intelligence and your input.
Your financial life is yours.
Your data should be protected accordingly, with privacy and security designed into the financial-management experience.
You need an integrated platform that understands your Values are valuable, your Time is valuable and your Money is valuable.
A platform that helps you build and execute your individualized plan, and then monitors and recommends decisions when you need to make them.
So you can get back to living the unique life that is yours.
INTRODUCING TIVAMO TAPESTRY
The single integrated platform for your individualized financial management life journey.
BUILD
MONITOR
YOUR LIFE
TIMEWhen does it matter?
VALUEWhat are you building toward?
MONEYWhat can make it possible?
TiVaMoONE CONNECTED FINANCIAL LIFE
BUILD
Build the plan at the level each decision actually lives.
One life timeline. Different planning horizons—from decades, to the next few months, to this month's everyday choices.
All images and content are conceptual and illustrative. They DO NOT reflect actual TiVaMo Platform screens.
01
LIFE EVENT PLANNINGAcross your life timeline · what matters, when it matters
P1
⌂
P2
✈
♡
P3
◷
NOW1 YR2 YRS10 YRS30+ YRS
⌂ Buy a Home
DESIRABLE2028
BEST2029
✦
TiVa TapIt is getting close to when you need to start searching for that home. Are you ready to start the process?
⌂
BUY HOMEBest timing · 2029
78%78PLAN ATTAINMENT
71VALUE REALIZATION
22VALUE URGENCY
✈
FAMILY TRAVELThis year
92%92PLAN ATTAINMENT
88VALUE REALIZATION
8VALUE URGENCY
◷
RETIRE AT 60Target · 2044
84%84PLAN ATTAINMENT
68VALUE REALIZATION
18VALUE URGENCY
02
TARGET PLANNINGStrategic · yearly · decades
TARGET203020402050
03
BUDGET PLANNINGOperational · monthly · 1 year
HOMEFOODTRAVEL
HISTORYNOWPLAN
VALUE: Your life is the objective.
TiVaMo organizes financial management around what matters in your life—not around an account, product or generic goal.
TiVa AI: Context across the journey.
Context-aware intelligence can connect questions and choices across your plan instead of treating each interaction as a one-off answer.
DATA + QUALITY: Financial truth you can use.
Financial data is continuously cleansed using intelligence and your input so plans and decisions can start from a more trustworthy picture.
WEB + MOBILE: Full experience + companion access.
Use the full planning experience on the web, with mobile access as a companion when you need TiVaMo with you.
We're just getting started.
Our vision for TiVaMo is bigger than what you see today.
We will continue building the capabilities you need to comprehensively manage your finances around your unique life journey.
And we'll listen carefully to you along the way. What our Builders tell us they need will help shape what we prioritize and build next.
Your life is unique and constantly evolving. Your financial management platform should be too.
PROTECTING WHAT YOU VALUE
The more individualized financial management becomes, the more important trust becomes.
DATA
SECURITY
TRUST
TiVaMo brings together information about your Money, the life you're building, and what you Value. We believe that creates a responsibility to protect that information—and to be clear about how it is used.
Your financial life is yours. Your data should be protected accordingly.
01
YOUR DATA ISN'T OUR PRODUCT
YOUR DATA ISN'T OUR PRODUCT
We don't sell your personal information for money. We don't sell your financial account data. And we don't share your financial account information with nonaffiliated third parties for their own marketing purposes.
02
BUILT TO PROTECT YOUR INFORMATION
BUILT TO PROTECT YOUR INFORMATION
We maintain an information security program with administrative, technical, organizational, and physical safeguards designed to protect your personal and financial information. We periodically assess our safeguards and update them as appropriate.
03
WE LIMIT WHAT WE SHARE
WE LIMIT WHAT WE SHARE
When TiVaMo uses service providers—including AI technology providers—we limit the information provided to what is needed to perform the applicable function. We do not permit third-party AI providers to use your personally identifiable information to train their general-purpose AI models.
04
YOUR FINANCIAL-ACCOUNT CREDENTIALS STAY PRIVATE
YOUR FINANCIAL-ACCOUNT CREDENTIALS STAY PRIVATE
When you connect financial accounts through our account-linking features, TiVaMo does not receive, store, or have access to your financial-account login credentials.
05
YOU STAY IN CONTROL
YOU STAY IN CONTROL
You can manage or revoke eligible financial-account connections. Depending on applicable law, you may also have rights to access, correct, delete, or obtain a copy of your personal information.
06
IF THESE PRINCIPLES CHANGE, WE'LL TELL YOU
IF THESE PRINCIPLES CHANGE, WE'LL TELL YOU
We use TiVaMo too. These principles matter to us personally, not just as policies for our Builders. If we make a material change to them, we'll tell you clearly and in plain language—not bury it in an updated legal document—so you can understand what is changing, why, and what it means for you.
Your information should be used to create Value for you — not Value from you.
Learn more about how TiVaMo protects and uses your information → Privacy Policy
You're not just managing Money. You're building a life.
What do you want your Money to make possible?