How Sidekick, Our AI Financial Assistant, Can Help Optimize Your Investments

Earlier this month, we launched a series of exciting new tools and some impressive improvements on our existing products, all focused on maximizing your money in the most straightforward way possible. We’ve boosted the capabilities of Sidekick, our AI-backed financial assistant, to do just that for your investments. 

Sidekick can now guide you through longer-term financial planning and give you recommendations backed by our Certified Financial Planner® team, all in a handful of minutes. It’s an easy way to not only create a plan in the first place, but keep it regularly updated—because life changes and so do your goals. 

Besides speed, Sidekick’s investment guidance is convenient in a ton of other ways. For starters, since you’re already logged into all your accounts to track your spending and budget, you won’t need to toggle back and forth between your investment apps (Fidelity, Charles Schwab, Chase, etc.) or tabs to get the whole picture of your position across investment accounts. (It’s also faster and much less work than maintaining a spreadsheet—not to knock the old-school ways.) You can also track Sidekick’s recommendations in the Advice tab in the Origin app; this is also where plans and advice from our on-staff CFP®s is saved for you to reference at any time. 

It’s important to highlight that all of this is personalized: Because all your data is consolidated into your Origin account, Sidekick gives you realistic guidance based on your unique financial circumstance. This isn’t the generalized, one-size-fits-all advice that you might find on Reddit—or even in resources provided by your investment accounts. Sidekick is giving you info just for you, and it’s much cheaper than meeting with a CFP® every time you have a question about your investment position or want to tweak your financial plan.

Breaking all this down, there are a few different things Sidekick can help you with. It can show you:

• The top holdings in your portfolio

• Fees you might be paying across your investments

• A model asset allocation based on the number of years until your target retirement age

• Any outsized risk you might be carrying in your portfolio

Once you decide what you want Sidekick’s help on, it will make sure all your accounts are connected. Then, if you’re analyzing your portfolio, it will examine your asset allocation (that is, what percentage of your money is in stocks, bonds, cash, etc.) and, depending on your positions, it might recommend an updated portfolio allocation that is more diversified, less risky—or tell you that you’re in a good position to meet your goals and to just keep on keeping on. From there, you can ask Sidekick further questions—like checking up on your fees, for example, to see if you can save some money there. 

Sidekick’s easy integration within Origin’s all-in-one financial management platform also means that you can take immediate action based on the insights you uncover, like opening a high-interest cash account to maximize returns on your idle cash or one of Origin’s proprietary brokerage accounts, which cost you zero in assets-under-management fees (something that isn’t true of most other brokerage accounts). 

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