Connect your portfolio with ZenoFi and spin up specialist AI agents for taxes, risk, allocation, and investment research. ZenoFi analyzes tax-loss opportunities, wash-sale exposure, concentration risk, and allocation drift with every insight grounded in your real holdings, not generic financial advice.
Every question runs through the same pipeline — nothing reaches you unreviewed.
Or start with illustrative demo data — ZenoFi parses real positions, cost basis, and lots.
A router sends your question to the tax, portfolio, research, or general agent — each scoped to its own tools.
Every figure is checked against your actual data before you see it — ungrounded numbers get blocked, not guessed.
Cited to your real holdings, with the full reasoning trace visible if you want to check it.
Finds real unrealized losses in your statement, flags wash-sale risk, and estimates the benefit.
Ask about allocation, concentration risk, or sector exposure — answered from your actual holdings.
Upload any statement or disclosure and ask questions grounded only in what it actually says.
Remembers durable facts you tell it — always labeled unconfirmed until you say otherwise.
Every tax or portfolio answer is checked for grounded figures before it ever reaches you.
Test an investment thesis against your real portfolio — with mandatory counter-arguments.
Six capabilities, all grounded in your real portfolio and documents — nothing generic.
Scans every lot in your statement for unrealized losses, estimates the illustrative tax benefit of harvesting each one, and checks the IRS wash-sale rule before suggesting it — flagging anything that would be disallowed rather than staying silent about it.
Ask about allocation, sector concentration, or long/short-term mix and get an answer computed directly from your positions — the model narrates, code computes, so the numbers are never invented.
Upload any statement or disclosure and ask questions about it — answers are retrieved from the actual text of what you uploaded, not from general knowledge about the fund or provider.
ZenoFi remembers durable facts you tell it — like your risk tolerance or state of residence — across conversations. Everything starts as an unconfirmed observation; it's only used as settled fact once you confirm it, and you can review or delete anything it's kept.
Every tax or portfolio reply is checked before it reaches you: dollar figures must match your actual data, guaranteed-return language is blocked outright, and nothing is ever described as an executed trade. Unclear cases are approved with caveats, not silently passed through.
State an investment thesis in plain English and ZenoFi tests it against your real portfolio and documents — gathering supporting evidence, then mandatory counter-arguments, before rendering a graded verdict so you're not just told what you want to hear.
The honest version, not the marketing version.
No. ZenoFi is a research and analysis tool that reasons over your own portfolio data. It's useful for exploring questions and catching things worth asking a professional about, but it doesn't replace a licensed advisor or accountant.
No. The only write-capable tool it has stages a trade ticket with status PENDING_HUMAN_APPROVAL — nothing is ever submitted or executed automatically, by design.
A review step that runs on every tax or portfolio reply before you see it. It checks that dollar figures match your actual data, blocks guaranteed-return language, and never lets a reply imply a trade was executed. Replies can be approved, approved with caveats, or blocked — an unreviewable or unclear response fails safe and gets blocked rather than shown.
Anything ZenoFi infers from what you say starts as unconfirmed. It's shown to you labeled that way, and only ever treated as a settled fact for a calculation after you confirm it. You can review, confirm, or delete anything it's kept at any time.
A way to stress-test an investment idea instead of just confirming it. You state a thesis, and ZenoFi gathers evidence from your real portfolio and uploaded documents, builds supporting arguments, then deliberately builds counter-arguments, before rendering a graded verdict — supported, refuted, mixed, or inconclusive.
ZenoFi works out of the box with illustrative demo data so you can try every feature immediately. Upload a real brokerage statement whenever you're ready, and every agent switches to reasoning over your actual positions instead.
A robo-advisor manages your money and rebalances it for you. ZenoFi doesn't touch your money at all — it's a research copilot that answers questions, grounded in your real holdings, and leaves every decision to you.