SuperRico
SuperRico is a Brazilian financial-planning company that delivers CFP®-led, methodology-driven financial health services to individual consumers, corporate employee-benefit programs, and a franchise planner network, anchored by its proprietary Curva de Vitalidade Financeira® planning framework.
- Company typePrivate
- Founded2020
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What SuperRico does
SuperRico Tecnologia em Planejamento Financeiro S.A. is a São Paulo-based Brazilian financial-planning company that delivers structured, planner-led personal finance services to individual consumers, corporate employee-benefit programs, and a network of CFP®-certified planners. The platform is anchored by the proprietary, trademarked Curva de Vitalidade Financeira® methodology — created by founder and CEO Carlos Castro, CFP® — which maps lifetime income cycles against capital needs and identifies the planning intervention zone via a rolling-forecast architecture. Supporting proprietary tools include the Raio-X da Saúde Financeira diagnostic, the Calculadora Zero Dívidas debt simulator, and a four-cycle framework (Resiliência, Equil\u00edbrio, Inteligência, Seguran\u00e7a) covering emergency reserves, cash flow, investment discipline, and decumulation/estate planning. The technology surface is a cloud-based web platform, mobile apps (iOS/Android), and the SuperRico Academy learning management system.
The business model spans five revenue streams: (1) the Plano de Saúde Financeira monthly subscription at R$79.90 bundling the Financial X-Ray, Academy access, reactive planner support, and Financial Protection Insurance; (2) one-time/project-based planning fees ranging from R$250 (Perda do Emprego) to R$625 (Gestão de Patrimônio e Legado); (3) SuperRico Academy courses, including paid Formação Profissional (up to 12x R$291.67) and a postgraduate program in partnership with FMU (up to 18x R$511.11); (4) corporate B2B workshops and financial-wellness programs sold to HR/benefits teams at enterprises including Google, Meta, Mastercard, McKinsey, Roche, Shell, and Prudential; and (5) corporate subscriptions embedding SuperRico as an employee benefit. Distribution runs through a franchise-like CFP® planner network (PEGN 'Melhores Franquias' 3-star in 2024 and 2025), direct enterprise sales, self-serve digital channels, and the #TamoJunto social program — a volunteer-planner initiative that has served 1,259 registered families and 25,120 people at no cost, functioning as both an ESG platform and a brand-building channel.
SuperRico firmographics
Firmographics- Name
- SuperRico
- Legal name
- SuperRico Tecnologia em Planejamento Financeiro S.A.
- Website
- https://superrico.com.br
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- SuperRico is a Brazilian financial-planning company that delivers CFP®-led, methodology-driven financial health services to individual consumers, corporate employee-benefit programs, and a franchise planner network, anchored by its proprietary Curva de Vitalidade Financeira® planning framework.
- Ownership category
- akta.pro rank
SuperRico industry classification
Industry- Product category
- Personal Financial Planning Services
- NAICS
- Portfolio Management and Investment Advice (523940), Finance and Insurance (52)
- SIC
- Investment Advice (6282), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Comprehensive Financial Planning (FSAEAAAA)
- akta.pro secondary industries
- Digital/Robo Financial Planning (FSAEAAAK), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Financial Coaching & Budgeting Advisory (FSAEAAAH)
Keywords
Where SuperRico is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
SuperRico business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Plano de Saúde Financeira (Financial Health Plan) Subscription: Monthly subscription service at R$79.90 providing personalized learning paths based on the Financial Health X-Ray, access to SuperRico Academy courses, SuperRico tools, a financial planner's reactive support, and a Financial Protection Insurance. This is the primary recurring revenue stream for individual consumers.
- Individual Planning Service Fees: One-time or project-based fees for specific planning services such as Financial Health Diagnosis (R$320), Debt-Free planning, Retirement planning, Property purchase planning, Career transition planning, and others. Prices range from R$250 to R$625 per engagement or in installments (e.g., 'Perda do Emprego' at 6x R$250).
- SuperRico Academy Course Sales: Online courses on financial education topics (Introduction to Investments, Fixed Income, Variable Income, Technical Analysis, etc.) sold individually or as part of a 'Formação Profissional' (professional training) package at up to 12x R$291.67. Also includes a postgraduate program in partnership with FMU at up to 18x R$511.11.
- Corporate Training & Workshops: B2B revenue from delivering talks, workshops, and financial wellness programs to corporate clients. Topics span Fundamentals of Financial Health, Investments, Career & Entrepreneurship, Life Planning, and Behavior & Money. Served to employees of corporate clients including Google, Meta, Mastercard, Roche, and others.
- B2B Corporate Subscriptions / Employee Benefits: Companies contract SuperRico's platform and planner services as an employee benefit, providing financial health programs to their workforce. The homepage states 'Leve saúde financeira como benefício real para o seu time' (Bring financial health as a real benefit for your team).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Plano de Saúde Financeira - Monthly subscription for individual consumers |
| Freemium | Pay-as-you-go | Raio-X da Saúde Financeira - Free financial health diagnostic |
| One time/ perpetual license | Pay-as-you-go | Independência Financeira - Financial Independence planning |
| One time/ perpetual license | Pay-as-you-go | Gestão de Patrimônio e Legado - Wealth and Legacy Management |
| One time/ perpetual license | Pay-as-you-go | Diagnóstico da Saúde Financeira - One-time financial health diagnosis consultation |
| Unit Pricing | Monthly | Perda do Emprego - Job Loss planning |
| Unit Pricing | Pay-as-you-go | Aposentadoria Ativa - Active Retirement planning |
| Unit Pricing | Pay-as-you-go | Compra e Troca de Veículo - Vehicle purchase/swap planning |
| Unit Pricing | Pay-as-you-go | Viagem dos Sonhos - Dream trip planning |
| Unit Pricing | Pay-as-you-go | Transição de Carreira - Career transition financial planning |
| Subscription | Monthly | SuperRico Academy - Formação Profissional |
| Subscription | Monthly | Pós-Graduação in partnership with FMU |
| Subscription | Monthly | Plano de Saúde Financeira (as referenced in report) |
| Unit Pricing | Pay-as-you-go | Reserva para Emergências - Emergency fund planning |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels9 records
SuperRico product offering
Product offeringCore offering
SuperRico is a Brazilian financial health platform that delivers structured personal financial planning services through a network of CFP®-certified planners using its proprietary Curva de Vitalidade Financeira® methodology. The offering combines a monthly subscription plan (Plano de Saúde Financeira), one-time planning engagements (e.g., debt elimination, retirement, vehicle purchase, dream trip, financial independence, estate/legacy, career transition), online courses via SuperRico Academy, corporate workshops and talks as employee benefits, and the ESG social program #TamoJunto for low-income families.
Product overview
SuperRico is a financial health platform offering a comprehensive suite of services centered around its proprietary Curva de Vitalidade Financeira® methodology. The core offering includes Planejamento Financeiro Completo (full financial planning) and the Raio-X da Saúde Financeira diagnostic tool. The platform operates through multiple channels: the subscription-based Plano de Saúde Financeira for ongoing guidance, the SuperRico Academy for online courses, and Palestras e Workshops for corporate clients. Additional specialized services address specific life goals such as vehicle purchase, home buying, retirement planning, financial independence, estate management, and debt elimination. The company also operates #TamoJunto, an ESG social program providing free financial planning to vulnerable families. The portfolio follows a four-cycle methodology (Resiliência, Equilíbrio, Inteligência, Segurança) and serves individuals, couples, and corporate clients through both digital platform and certified human planners.
Differentiator
Problem solved
Functional benefit
Brands
- #TamoJunto: Social program (#ProgramaTamoJunto) aimed at democratizing financial planning by providing free financial guidance to low-income families in Brazil.
- SuperRico Academy
Products and services
- Planejamento Financeiro Completo Comprehensive financial planning service for individuals and couples, based on the proprietary Curva de Vitalidade Financeira® methodology, structured across four life cycles (Resilience, Balance, Intelligence, Security). Includes scenario simulation, alignment, analysis & synthesis, and results evaluation phases delivered by a certified CFP® planner.
- Raio-X da Saúde Financeira A free diagnostic tool that maps a client's primary financial pain points, generates a Financial Happiness Index (Índice de Felicidade Financeira) score, and provides a complete financial health diagnosis with personalized recommendations linked to the Curva de Vitalidade Financeira®.
- Plano de Saúde Financeira Monthly subscription (R$79.90/month) offering a personalized learning path based on the Financial Health X-Ray, access to SuperRico Academy courses, financial planning tools, reactive support from a certified planner, and a Financial Protection Insurance (including a R$30,000 cushion for disability or accidental death, home assistance, and personal assistance).
- SuperRico Academy Online learning platform (superricoacademy.com.br) offering free courses (Introdução a Investimentos, Sistema Financeiro Nacional, Gestão Financeira) and paid programs including the Formação Profissional professional certification (up to 12x R$291.67) and a Postgraduate Program in Financial Planning in partnership with FMU (up to 18x R$511.11).
- Palestras e Workshops Corporativos B2B corporate offering of financial wellness talks and interactive workshops delivered on-site or via videoconference to enterprise employees, covering topics such as Fundamentals of Financial Health, Investments, Career & Entrepreneurship, Life Planning, and Behavior & Money. Delivered by certified CFP® speakers including Carlos Castro, Adriana Maluf, and Daniela Aissum.
- Programa #TamoJunto ESG social initiative providing free financial planning services to Brazilian families in economic vulnerability, connecting volunteer certified planners with low-income households to deliver debt management, budget organization, and emergency planning guidance at no cost.
- Zero Dívidas A debt elimination planning service with a complete diagnostic that separates interest from principal, identifies the most damaging debts, and simulates the cheapest path to debt freedom including month/year of liberation and real interest savings using current market rates.
- Aposentadoria Ativa Active retirement planning service (R$500) including comprehensive pension analysis (INSS + Private Pension), cost-of-living projections, passive income strategies, investment portfolio recommendations, and life counseling.
- Independência Financeira Financial independence planning service (R$550 one-time) mapping assets, calculating financial independence metrics, and building accumulation and passive income strategies, with portfolio optimization recommendations, IR declaration, private pension, and investment portfolio services.
- Gestão de Patrimônio e Legado
Quantifiable outcome
- 2.9–3.9x more wealth accumulated over 15 years by families with financial planning vs. unguided equivalent families (attributed to discipline and savings rate, not superior returns)
- +5 more outcomes
Companies that use SuperRico
Customer profileNamed customers19 records
Segments4 records
Ideal customer profiles4 records
SuperRico technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
SuperRico partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- FMU (Faculdades Metropolitanas Unidas)coreSuperRico Academy partnered with FMU to offer a Postgraduate Program in Financial Planning. This is a paid degree program (up to 18x R$511.11) combining SuperRico's proprietary methodology with FMU's academic credentials, creating a differentiated professional training offering for aspiring financial planners.
- Planejar (Associação Brasileira de Planejamento Financeiro)coreSuperRico operates under the standards and certification framework of Planejar, the Brazilian FPSB affiliate. All SuperRico planners are CFP® certified through Planejar. SuperRico is listed as a Planejar corporate associate. Planejar establishes, upholds, and promotes international financial planning standards in Brazil.
- Financial Planning Standards Board (FPSB)coreFPSB is the global body that establishes and promotes international standards for financial planning, issuing the CFP® certification. SuperRico's planner network operates under FPSB standards via the Brazilian affiliate Planejar. FPSB standards underpin SuperRico's professional certification requirements.
- EducafrominorEducafro is a supporting partner of the #TamoJunto social program, which aims to bring free financial planning to 1,000+ low-income Brazilian families. Educafro likely provides outreach, credibility, and access to the target population.
- Instituto CminorInstituto C is listed as a supporting partner of the #TamoJunto social program. It contributes to SuperRico's ESG/social mission, helping reach and serve low-income families in economic vulnerability.
- ElectyminorElecty is a sustainable energy company partnered with SuperRico to offer solutions that reduce electricity costs for SuperRico clients. This partnership supports SuperRico's Environmental (E) ESG commitment by providing clients with sustainable energy options that save money while caring for the planet.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
SuperRico competitors and assessment
Company assessmentDirect peers
- Magnetis: Brazilian digital investment advisor and wealth manager managing portfolios with algorithmic asset allocation for retail clients. Comparable as a Brazil-focused digital financial planning and investment platform serving a similar B2C retail-investor base.
- SmartPath: US B2B financial wellness platform offering personalized financial planning, education and advisor access to employees through employer benefits. Directly comparable as an employer-distributed financial wellness and planning solution with similar B2B2C motion.
- Warren Investimentos: Brazilian fintech offering investment products, financial education and advisory through a digital platform. Closely comparable as a Brazil-only fintech competing for the same retail investor seeking independent, education-led investment guidance.
- Financial Finesse: Long-standing US B2B financial wellness provider sold to enterprise HR/benefits teams with certified financial planners and educational content. Comparable as a CFP®-driven employer-wellness service in the same category as SuperRico's corporate offering.
- LearnLux: US-based B2B financial wellness platform sold to employers as an employee benefit, with financial planners, personalized content and outcome tracking. Closely comparable to SuperRico's B2B Palestras e Workshops and employer-benefits motion.
- Best Money Moves: B2B financial wellness platform delivering personalized money management tools, education and advisor access to employees. Comparable as an employee-benefits financial wellness vendor competing for the same enterprise buyer.
Broad incumbents
- Empower (Personal Capital): US wealth-management and personal-finance platform combining dashboards, planning tools and human advisors serving retail investors. Comparable as a scaled hybrid (digital + human) financial planning platform with similar tooling and educational content.
- BTG Pactual Digital: Digital consumer arm of BTG Pactual offering investment advisory, brokerage and financial education to Brazilian retail clients. Comparable as a scaled incumbent building retail-investor relationships with planning and education content.
- XP Inc. Brazil's largest independent investment platform offering advisory, wealth management and educational content to retail and enterprise clients. Directly comparable as the dominant scaled alternative in Brazilian financial planning and investment services, against which SuperRico differentiates with CFP® fiduciary planning without brokerage commissions.
- Rico Investimentos: Brazilian retail brokerage and wealth platform with educational content and advisory tiers. Comparable as a scaled Brazilian retail wealth-education platform that bundles financial education with product distribution.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SuperRico social profiles
Digital presenceSuperRico compliance and trust
Trust signalCompliance1 record
SuperRico financial estimates
Financial estimateRevenue estimate
Valuation estimate
SuperRico leadership team
Management profileNumber of profiles
Profiles5 records
SuperRico funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SuperRico M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SuperRico
What does SuperRico do?
SuperRico is a Brazilian financial health platform that delivers structured personal financial planning services through a network of CFP®-certified planners using its proprietary Curva de Vitalidade Financeira® methodology. The offering combines a monthly subscription plan (Plano de Saúde Financeira), one-time planning engagements (e.g., debt elimination, retirement, vehicle purchase, dream trip, financial independence, estate/legacy, career transition), online courses via SuperRico Academy, corporate workshops and talks as employee benefits, and the ESG social program #TamoJunto for low-income families.
Is SuperRico a public or private company?
SuperRico is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SuperRico founded?
SuperRico was founded in 2020. It employs 51 to 100 people.
Where is SuperRico based?
SuperRico is headquartered in São Paulo, Brazil, in the Latin America region.
How does SuperRico make money?
Five revenue lines are on record. Plano de Saúde Financeira (Financial Health Plan) Subscription is the primary driver. The others are individual Planning Service Fees, superRico Academy Course Sales, corporate Training & Workshops and B2B Corporate Subscriptions / Employee Benefits.
Who are SuperRico's main competitors?
Direct peers on record are Magnetis, SmartPath, Warren Investimentos, Financial Finesse, LearnLux and Best Money Moves. Broad incumbents are Empower (Personal Capital), BTG Pactual Digital, XP Inc. and Rico Investimentos.
Does SuperRico have an API?
No public API is recorded for SuperRico.
What industry is SuperRico in?
SuperRico's product category is Personal Financial Planning Services. Its primary akta.pro industry code is FSAEAAAA, Comprehensive Financial Planning, with a secondary code of FSAEAAAK, Digital/Robo Financial Planning. Its NAICS code is 523940 and its SIC code is 6282.