See how your benefits and financial decisions connect.
Most financial education teaches savings, debt, taxes, benefits and investing as separate topics. Freedom Buckets helps you understand how those decisions interact — so you can evaluate trade-offs, organize priorities and make more informed financial decisions.
Benefits and employees’ financial reality still live in separate worlds..
Employees can work, earn, and receive benefits—and still be under real financial strain. At the same time, valuable benefits may already exist that employees don’t know about, don’t fully understand, or aren’t using to their full potential. And sometimes, what’s being offered simply may not line up with the financial pressures, timing, or priorities employees actually have.
Disconnected
Benefits are separated from the rest of an employee’s financial life.
Underused
Employees may have valuable resources available without knowing they exist or how to use them fully.
Misaligned
What employers offer may not always match what employees need, value, or can use at that stage of life.
No feedback loop
Employers spend on benefits and incentives without a clear connection between what they fund, what employees use, and what creates value.
A decision system built around how people actually behave
Built on the 9 Freedom Buckets, the Freedom Buckets pair behavioral financial capability with AI-powered decision support — helping users understand priorities, trade-offs and the financial decisions competing for their next dollar.
AI-powered decision engine
Continuously models your financial life, projects outcomes and reprioritizes as conditions change.
Behavioral finance at the core
Guidance designed around how you actually behave — not around the spreadsheet you'll abandon.
Personalized Decision Support
Prioritized financial considerations across all nine buckets, with the reasoning and trade-offs explained in plain language.
From financial context to an explainable priority
TThe Freedom Engine brings your financial context together across the nine buckets, surfaces relevant priorities, and explains why those areas may deserve attention as circumstances change.
Financial Picture
Your income, savings, debt, accounts, and obligations.
Employer Benefits
The benefits, matches, reimbursements, and incentives already available to you.
Goals
What you’re working toward and what matters most right now.
Behavior & Preferences
How you save, spend, prioritize, and make financial decisions.
Freedom Engine
Connects your financial context, benefits, and goals within defined financial rules and constraints.
The 9 Freedom Buckets
Foundation, core and accelerant buckets that together define where every dollar belongs. Select a bucket to see how the engine treats it.
Moat
Emergency liquidity & financial resilience
Taxes
Proactive tax strategy & asset protection
Debt Demolition
Learn how interest rates, repayment structures, cash flow and competing financial priorities can affect the way you evaluate debt.
Essential Spending
Understand how housing, transportation, recurring expenses, Travel & Joy and other lifestyle choices interact with your larger financial priorities.
Public Markets
ETFs, stocks & brokerage investing
Retirement Lockbox
Tax-advantaged retirement accounts
Real Estate
REITs, rentals & private syndications
Sandbox™
Private markets, venture capital & alternatives
Wealth With Intention
Legacy, giving & generational wealth
Four steps to continuous financial clarity
Connect accounts
Secure, real-time visibility into income, obligations, debt, benefits and investments.
Understand goals
Your priorities and timelines become the objective the engine optimizes against.
Receive personalized recommendations
The decision layer ranks where your next dollar creates the most freedom.
Build wealth over time
Guidance adapts continuously as markets, taxes and life circumstances shift.
Financial freedom starts with the next decision
Join the waitlist and be first inside the Freedom Buckets AI decision platform.
Join the Waitlist