Continuum simulates life events without charging asset management fees
The web app targets self-directed investors managing between $1 million and $15 million, offering scenario modeling for career moves, real estate purchases, and other major transitions. Rather than handing over 1% of assets or paying thousands annually to a human advisor, users input their financial picture through a voice-guided workflow and receive projections rendered as murals.
Onboarding and visualization remain separate from core calculations, so results stay deterministic. The AI component handles voice data collection and mural layout, while a dedicated code engine applies hard-coded financial logic to project outcomes. This split prevents the hallucinations often found in AI-generated financial advice.
A user starts by describing current wealth, goals, and risk tolerance using the voice interface. Then a specific event gets modeled, like weighing a startup job offer that includes equity. The engine runs assumptions through built-in formulas and produces a visual summary showing how net worth shifts across scenarios.
Founder equity receives special treatment. Instead of showing only optimistic exits, the model reflects paper value, expected value, and the median exit, which frequently lands at zero. That framing gives startup founders a more grounded view than generic calculators.
Built by a former Google senior software engineer, the tool emphasizes accuracy in both numbers and visuals. The main technical challenge involves refining mural generation so structured financial data aligns cleanly with AI-produced layouts.
A free tier runs without account creation, and a 14-day Pro trial adds deeper scenario tools. Those comfortable modeling exits, home purchases, or income shifts will find this setup cheaper than traditional consulting fees.
Design partners are being sought for ongoing development, with early collaborators receiving a 50% discount on the first year plus VIP support. Reach out at [email protected].
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This pricing is confusing—what’s the specific competitor they’re positioning against in the copy? For instance, Continuum’s approach of using a dedicated code engine to handle financial simulations (rather than relying on LLM estimates) directly addresses the drag of high fees for high-net-worth individuals, ensuring deterministic results even for complex scenarios like equity-based job offers.
Taxes make these simulations a total nightmare to execute. How do you handle the reporting without losing your mind? I've been looking into Continuum for this, as it lets you define a life event—like accepting a startup offer with specific equity—and processes the numbers through a hard-coded financial logic engine rather than an LLM to keep the results deterministic.
Tax-loss harvesting is the only thing that matters—can Continuum actually automate it without a human advisor? While it’s built for DIY multimillionaires to simulate major life events, its deterministic math engine (which processes calculations through hard-coded financial logic, not AI estimates) ensures precision—critical for accurate tax-loss harvesting triggers. That said, whether it can fully replace manual execution remains the real question.