About a year ago, Bill Harris, the former CEO of PayPal, Intuit and Personal Capital, made a splash with the launch of Evergreen Wealth, a registered investment advisor touting an artificial intelligence-driven advice platform and tax-aware investing.
This week, the RIA is launching a new service, Evergreen.ai, an AI-powered financial advice application. The self-directed service is meant to bring the financial techniques of wealthy Americans to a broader pool of investors. That includes personalized financial, retirement, investment and tax strategies.
“A 2024 survey found that 73% of American adults don’t use a financial advisor,” Harris said in a statement. “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.”
The new app is free through Jan. 1, 2028, for those who register during the beta period, and there’s no minimum account balance to use it. The app includes a number of calculation tools, including those that track security prices, equity compensation, net worth, home ownership, retirement accounts, college savings and tax strategies. A financial planning calculator tracks short-term cash flow and long-term retirement projections.
The app’s AI engine uses underlying tax and financial math to determine the financial advice it provides, and it will deliver the answer in the user’s preferred format, such as charts, tables, side-by-side comparisons, or plain language. Bryan Godwin, co-founder and CTO of Evergreen.ai, has filed seven pending patents related to the platform.
“Evergreen.ai was engineered specifically to address where general-purpose AI falls short in financial advice,” Godwin said in a statement. “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.”
The new app uses Plaid to link accounts, so bank credentials are never shared with the AI. Evergreen.ai encrypts user data and won’t sell it to third parties or use it to train public AI models.
This follows news last November that Evergreen Wealth partnered with Apex Fintech Solutions to provide its AscendOS, a real-time, cloud-based investment platform, to power Evergreen’s investing platform, Dynamic Portfolios.
Harris launched Evergreen Wealth last September with $100 million in assets under management and 50 employees, half of whom were focused on technology development and the other half on advice, client services, operations and marketing. The RIA combines human expertise and technology for high-net-worth and affluent clients, far exceeding that earlier “hybrid advisor” model.
Evergreen Wealth had about $112 million in total assets as of Dec. 31, 2025.
Harris was CEO of Intuit for six years before taking the same role at PayPal. After those roles, he started RIA Personal Capital, which grew to about $23 billion in assets before selling in 2020 to retirement plan provider Empower in a $1 billion deal.
