What Connective does

Connective, operating through its legal entity Connective Wealth Partners LLC, is a New York-headquartered, SEC-registered investment advisor that delivers financial coaching and wealth management services to individual consumers across 44 U.S. states. The company operates two integrated service lines: one-on-one financial coaching (carried over from its acquired The Financial Gym brand) focused on budgeting, debt payoff, savings habits, and accountability; and investment advisory services covering 401k/IRA management, estate planning, tax planning, insurance, trust & wills, and debt mitigation. Connective is built around its proprietary HumAIn platform, which the company describes as a Human + AI + Insight system that designs, tracks, and adapts wealth plans in real time.

The technology stack combines the HumAIn orchestration layer with three AI-adjacent partners — Magnifi for portfolio insights and risk analytics, Tifin for goal-aligned investment personalization, and Monarch for digital financial progress tracking — along with Plaid for data ingestion and Stripe for payments. The company reports $75M+ in assets under management and 15,000+ people coached over its lifetime, with a 5-star Trustpilot average rating.

Go-to-market is sales-led and consultation-based, relying on a "Schedule a Call" funnel across the website, content marketing via the company blog, PR placements in regional media, and referral/word-of-mouth. Revenue is generated through recurring subscriptions for coaching services and recurring advisory fees on managed assets. The company was formed through the 2019 acquisitions of The Financial Gym and Water Street Advisors, rebranded to Connective in 2025, and is led by founder Ian Rosen, co-founder Andrew Nigrelli, CEO Taylor Becker, and CXO Bill Ullman.

Name

Connective

Legal name

Connective Wealth Partners, LLC

Website

https://connectivewealth.ai

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH), Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

Keywords

• Financial coaching
• Wealth management
• Investment advisory
• Financial planning
• Registered investment advisor

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Investment Advisory Services: Connective Wealth Partners LLC is a Registered Investment Advisor (RIA) providing investment advisory and related services to clients nationally. The firm offers wealth management services including 401k/IRA management, estate planning, debt mitigation, personal loans, health care advocacy, insurance, trust & wills, taxes, and budgeting.
2. Financial Coaching Services: Personal one-on-one financial coaching services delivered through The Financial Gym brand. Coaches work with clients on budgeting, paying off debt, building savings routines, and developing healthy financial habits.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Connective is a financial services firm that delivers one-on-one financial coaching and registered investment advisory services. Through its Financial Gym coaching brand, certified trainers help individuals with budgeting, debt payoff, savings habits, and money mindset. Through Connective Wealth Partners LLC, an SEC-registered investment advisor, the firm offers wealth management including 401k/IRA management, estate planning, tax planning, insurance, and trust & wills services. The proprietary HumAIn platform blends human advisor expertise with AI-driven insights to design, track, and adapt wealth plans in real time.

Product overview

Connective is a tech-enabled financial coaching and advisory platform that combines human expertise with AI-powered technology. The core offering consists of Financial Gym (one-on-one financial coaching) and Wealth Management/Advisory services, both powered by the proprietary HumAIn technology platform that blends human insight with AI automation. The company serves individuals at various stages of their financial journey, from those in debt to those already thriving, offering personalized guidance, accountability, and comprehensive wealth management services across 44 states.

Differentiator

Problem solved

Functional benefit

Brands

• Financial Gym: Connective's coaching arm providing financial training and coaching services.
• HumAIn

Products and services

• Wealth Management / Advisory Investment advisory services providing personalized wealth strategies, portfolio management, and comprehensive financial planning for individuals. Includes 401k/IRA management, estate planning, debt mitigation, tax planning, insurance advisory, trust & wills, and budgeting. Delivered nationally in 44 U.S. states by Connective Wealth Partners LLC, an SEC-registered investment advisor.
• Financial Gym (Financial Coaching) One-on-one financial coaching service that helps individuals build healthy habits around budgeting, debt payoff, and savings. Delivered by certified financial trainers using a non-judgmental, habit-first approach, with real-time financial progress tracking.
• HumAIn Platform Connective's proprietary AI-powered technology platform that blends human insight with intelligent automation to design, track, and adapt wealth plans in real time. Supports advisors with AI-driven insights, dynamic planning tools, risk visibility, portfolio analytics, goal alignment, and personalized recommendations.

Quantifiable outcome

• 15,000+ people coached successfully
• +3 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• MonarchcoreTechnology or Integration · 3 December 2025Monarch provides a digital platform for financial tracking and management. This partnership integrates Monarch's platform capabilities with Connective's coaching services (The Financial Gym) to offer personalized financial training and real-time financial progress tracking to clients.
• MagnificoreTechnology or IntegrationMagnifi is an AI-powered investment platform providing portfolio insights and risk analytics. As a technology partner, Magnifi helps make the invisible visible by offering enhanced analytical capabilities that complement Connective's advisory services.
• TifincoreTechnology or IntegrationTifin provides AI personalization technology that aligns investments with individual goals and values. The partnership enables Connective to deliver more personalized investment recommendations through AI-driven insights.
• PlaidsupportingTechnology or IntegrationPlaid is used to gather financial data from banks and financial institutions. Connective uses Plaid's API to collect bank account transaction history and certain financial information to support its coaching and advisory services.
• StripesupportingTechnology or IntegrationStripe is used as the payment processor for the service. It handles payment processing for coaching and membership services according to Stripe's services agreement and privacy policy.
• Google AnalyticssupportingTechnology or IntegrationWeb analytics service used to analyze how users interact with Connective's website and services, helping improve user experience and service delivery.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Betterment: Betterment is one of the largest independent digital wealth managers in the US, offering automated portfolios and goal-based planning. It competes for the same digitally engaged advisory clients Connective targets, albeit with a tech-only rather than coaching-led model.
• Wealthfront: Wealthfront is a leading automated investment and financial planning platform with direct indexing, retirement, and cash management products. It represents the technology-forward end of the digital wealth category that Connective's HumAIn platform is built to compete with.
• Empower (Personal Capital): Empower Personal Capital combines free financial dashboards, fee-based advisory, and retirement planning tools at scale. It competes with Connective's wealth management and tech-enabled advisory capabilities but at significantly greater AUM scale.
• SoFi: SoFi is a broad consumer finance platform offering investing, advisory, lending, and banking, with active financial planning content. It competes with Connective for the same digitally engaged mass-affluent and mass-market customers, though at far greater scale.

Direct peers

• Monarch Money: Monarch Money is a personal finance and budgeting platform used by households for tracking, planning, and advisor collaboration. It is both a Connective technology partner and a closely adjacent peer in the financial wellness tooling category.
• Ellevest: Ellevest is a digital wealth and financial planning platform built around goal-based coaching and personalized portfolios, with a strong behavioral coaching layer. Its blend of human-guided planning and automated investing is directly comparable to Connective's model.
• Facet Wealth: Facet Wealth combines digital tools with assigned human CERTIFIED FINANCIAL PLANNER™ advisors on a flat-fee subscription model. Its hybrid coaching-plus-advisor structure, national reach, and direct-to-consumer motion closely mirror Connective's Financial Gym + RIA stack.
• NewRetirement: NewRetirement provides financial planning software used by both consumers and financial advisors to model retirement, taxes, and wealth strategies. It overlaps with Connective's planning and advisory workflows and serves a similar DIY-plus-advisor hybrid audience.
• GreenPath Financial Wellness: GreenPath delivers one-on-one financial coaching and counseling focused on debt, budgeting, and savings—directly comparable to The Financial Gym's coaching methodology. Many of its clients eventually move into wealth-building products, paralleling Connective's coached-to-advised pipeline.

Emerging players

• MoneyLion: MoneyLion offers a consumer fintech platform spanning banking, credit, investing, and financial content, and previously acquired Even Financial (founded by Connective founder Ian Rosen). It overlaps with Connective in retail financial wellness and embedded investment access.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Connective