I am also really enjoying this. Feels like virtual office hours. I would say it is pretty similar to Mint.com but with a few differences. Our budget module is

I am also really enjoying this. Feels like virtual office hours. I would say it is pretty similar to Mint.com but with a few differences. Our budget module is more like YNAB in philosophy. Our software is designed towards the 401(k) industry for use by advisors (and giving them a dashboard with metrics to provide to plan sponsors) and will have their name and logo on every interaction with the plan and participant. We will eventually tie-in with both the service desk software used by advisors as well as the recordkeeping software (thus proving a new/alternative front end for the participant to interact with their plan and make investment changes and process rollovers). I think companies have started paying more attention to their employee benefits and making sure that their employees actually benefit from them. Plus, with the Department of Labor starting to give lip service to financial wellness the industry publications that plan sponsors read have started talking about it as well. Fees have gone way down in my fourteen years in the industry. When I started out it seemed like most advisors were commissioned based but that really started to change about eight to ten years ago. Competition has increased. Mutual fund fees have gone down and low-cost index fund usage has gone up. And maybe most of all, much more attention is being paid to fees in the press so participants are looking at their statements and asking the questions they should be asking to their benefits managers. I meant to mention this in the post but instead of competing with advisors, like the other startups are doing, we are partnering with the advisors so we can hopefully leverage their existing books of business. I anticipate that we will both be rolled out to existing clients as well as be a feature they list when doing proposals to prospects.