Explainable by default
Every recommendation shows its inputs, its assumptions and what would change it. If we cannot show the working, we do not show the number.
A living financial plan
A lifetime,
well planned.
Most financial tools answer one question at a time. Pareto keeps a single, continuously updated model of your household — money, goals, property, risk, people and time — so every decision is judged against the whole life it belongs to, not the spreadsheet it arrived in.
Pareto provides software, forecasts and educational information. It is not a registered investment adviser or broker-dealer and does not provide investment, legal, tax or accounting advice.
Approval before action
Autonomy is scoped, budgeted and reversible. Consequential steps wait for a human decision and leave an auditable receipt.
Scored, not asserted
Forecasts are recorded and settled against what actually happened. The record is published only when it clears the bar — not before.
The platform
One model.
Every decision.
Pareto is not a dashboard bolted onto a bank feed. It is a household world model with specialist agents working from the same facts — which is why a tax question and a retirement question finally give the same answer.
01Understand
One model of the whole household
Cash, debt, investments, property, goals, benefits, people and permissions resolve into a single view that knows where each fact came from and how fresh it is.
02Plan
Goals and life scenarios
Model a home, a child, a move, a career break, a health event or a retirement date without overwriting the life you are living now.
03Forecast
Long-range resilience
Turn today’s choices into an explainable range for future freedom — taxes, healthcare, income sequencing and the shocks nobody schedules.
04Optimize
Cash, reserves and debt
Allocate the next dollar across spending, reserves, yield, debt and goals according to what it is actually worth to this household.
05Invest
Portfolio in context
Evaluate allocation, concentration, tax location, liquidity and risk against the plan the portfolio is meant to serve — not against a benchmark it never agreed to.
06Protect
Tax, legal and risk readiness
Surface unresolved exposure, assemble the evidence, and prepare review-ready work for the qualified professionals who sign off on it.
07Act
Permissioned execution
Ongoing work happens within explicit scope, budgets and approval rules — with a receipt for every action and a brake that engages before an irreversible one.
08Verify
Evidence behind every claim
Material recommendations carry their sources, assumptions and confidence. Outcomes settle the forecast that produced them, and misses count against it.
How it works
Four steps, and none of them is “trust us”.
- 01
Connect what is true today
Accounts, property, obligations, benefits and the people who share them — with ownership and permissions recorded, not assumed.
- 02
Say what the life should look like
Goals, constraints, dates and the trade-offs you are willing to make. The plan is built from your commitments, not a default persona.
- 03
See the whole consequence
Every option is evaluated against the entire model — cash flow, tax, risk and the years after next — and shown with its assumptions attached.
- 04
Decide what runs on its own
Nothing consequential happens without a rule you set. Approvals, scopes and circuit breakers are yours to tighten at any time.
Track record
We would rather show you nothing than show you a flattering sample.
Pareto records its forecasts and settles them against what actually happened. That record is published on a public page — but only once it clears a calibration bar we fixed in advance. It has not cleared that bar yet, so there is no accuracy figure to quote here, and we will not invent one. The page shows the progress instead.
See the accuracy pageStart where you are