Serial fintech entrepreneur Bill Harris today announced the launch of Evergreen.ai, an AI-powered financial advice app designed to help Americans make smarter financial decisions using personalized financial, retirement, investment and tax strategies. Built to bring the financial techniques of wealthy investors to all Americans, the Evergreen.ai app is available now as an on-demand service on mobile and desktop browsers. Consumers who register during the beta period will receive access to Evergreen.ai at no cost through January 1, 2028.
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Bill Harris is the co-founder and CEO of Evergreen.ai, an AI-powered financial advice app designed to help Americans make smarter financial decisions through hyper-personalized financial, tax, retirement and investment strategies and advice about their financial future. Harris was formerly CEO of PayPal, CEO of Intuit (TurboTax and QuickBooks), and founding CEO of Personal Capital, an investment advisor that grew to more than $23 billion of investor assets under management.
“Until today, the best financial advice has always been out of reach for everyday Americans,” said Harris, founder and CEO of Evergreen.ai. “A 2024 survey found that 73% of American adults don’t use a financial advisor. At the same time, more consumers are turning to general-purpose AI chatbots for financial advice instead. It’s problematic because those models often lack the personalized data needed for situation-specific answers, can produce incorrect numbers, and aren’t built to protect the financial details people share with them. Evergreen.ai is different. It combines specialized models, knowledge bases and quantitative tools built for one purpose only: personalized financial advice.”
Evergreen.ai includes helpful calculation tools consumers can use to make smarter financial decisions about their future, such as:
- Financial Planning, including short-term cash flow and long-term retirement projections
- Security Prices, fundamentals and watchlists
- Equity Compensation, such as options, RSUs, founder stock and QSBS
- Net Worth Tracking, including linked bank, broker and credit accounts
- Home Ownership, mortgage calculators and rent vs buy analysis
- Retirement Accounts, including 401(k), IRA, Roth IRA and Roth conversions
- College Savings, financial aid and tax-advantaged education accounts
- Tax Strategies, including tax-loss harvesting and charitable giving
Unlike generic AI chatbots, Evergreen.ai’s deterministic calculation engine runs the underlying tax and financial math, designed to deliver consistent, verifiable numbers. The platform’s generative interface builds each hyper-personalized answer in multiple formats, including text, tables, charts, and interactive calculations.
“Evergreen.ai was engineered specifically to address where general-purpose AI falls short in financial advice,” said Bryan Godwin, co-founder and CTO of Evergreen.ai, who has filed seven pending patents related to the platform. “Today, the harness matters as much as the model. Our secure architecture pairs probabilistic Large Language Models (LLMs) that excel at communication, with deterministic software that runs the actual calculations and grounds each answer in current financial and tax knowledge. Combined with each user’s complete financial picture, it’s how we deliver advice that’s personalized, consistent and verifiable.”
Security and privacy are paramount in personal finance. Evergreen.ai’s environment is locked down with multiple layers of security controls. Account linking runs through Plaid, so bank credentials are never shared with the AI. User data is encrypted, never sold to third parties, and never used to train public AI models.
Harris brings a 30-year track record of technological innovation in consumer finance. He is the former CEO of PayPal and Intuit, and founder of eight financial technology companies, including Personal Capital, an investment firm that grew to $23 billion in client assets under management. He is joined at Evergreen by an experienced team of developers, advisors and business personnel.
Evergreen.ai is a service offered by Evergreen Wealth Advisors, a Registered Investment Advisor (RIA) and fiduciary. Evergreen’s mission is simple: better advice to more people at lower cost.
Evergreen.ai Frequently Asked Questions
What is Evergreen.ai?
Evergreen.ai is a free, AI-driven financial planning and advice app that helps consumers project, plan, and make confident decisions about their financial future. The app tracks a user’s income, expenses, and investments and uses that complete picture to answer their financial questions and guide the decisions that shape their financial life.
Is Evergreen.ai free?
Evergreen.ai is free through January 1, 2028, for consumers who register during the beta period.
How is Evergreen.ai different from general-purpose AI chatbots like ChatGPT?
Evergreen.ai is built specifically for personal finance: it generates answers from a user’s own financial picture and runs tax and financial calculations through deterministic calculation engines rather than an LLM. Unlike general-purpose chatbots, Evergreen.ai is provided by an SEC-registered investment adviser, Evergreen Wealth Advisors.
How does Evergreen.ai address the risk of inconsistent or unsupported AI financial advice?
Evergreen.ai is designed to reduce that risk by grounding answers in the user’s actual financial situation, running the tax and financial math through deterministic calculation engines rather than a language model. The app draws on curated, current financial and tax knowledge sources instead of outdated or generic information, a standard that general-purpose AI tools typically don’t carry.
Is it safe to link my financial accounts to Evergreen.ai?
Evergreen.ai is built with multiple layers of security controls, and account linking is handled through Plaid, so bank credentials are never shared with the AI. User data is encrypted, never sold to third parties, and not used to train public AI models.
What can people ask Evergreen.ai?
People can ask Evergreen.ai about financial planning, retirement, investing, equity compensation, tax strategies, college savings, and more. Answers are built from each user’s financial picture and are specific to their situation.
Who founded Evergreen.ai?
Evergreen.ai was founded by Bill Harris, the former CEO of PayPal and Intuit and founder of Personal Capital, which grew to $23 billion in client assets under management. He has spent 30 years building financial technology to help Americans understand, protect, and grow their wealth. It was co-founded by Chief Technology Officer Bryan Godwin, who brings 30+ years of technical experience building the operational discipline behind complex systems, from factory floors to AI infrastructure.
About Evergreen.ai
Evergreen.ai is on a mission to extend financial understanding to millions of Americans. Free for consumers who register during the public beta period, our AI-driven financial planning and advice app helps consumers project, plan, and make confident decisions about their financial future. The Evergreen.ai app tracks each user’s income, expenses, and investments, then uses that information to answer financial planning questions, show where their money is going, and guide the critical decisions that shape their financial life. It provides conversational AI chat, along with analytical tools and information resources to enrich consumers’ learning about money.
Evergreen.ai, a service of Evergreen Wealth Advisors, is a privately held company headquartered in Miami. Follow Bill Harris on LinkedIn or visit evergreen.ai to learn more.
Disclosures: Evergreen.ai provides general education and calculators and may provide personalized advice when you share sufficient information about your finances. This is not legal, tax, insurance or estate planning counsel and is not a recommendation to buy or sell a security. Evergreen.ai is a service of Evergreen Wealth Advisors Corporation, an SEC-registered investment advisor; registration does not imply a certain level of skill or training.
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