Where Wall Street Meets Main Street:
Financial Access Reimagined
Rising Tide: A Platform Built on American Values
"A rising tide lifts all ships." — President John F. Kennedy spoke these words in 1963, capturing the American belief that prosperity shared is prosperity multiplied. Today, that tide has receded for too many families, leaving millions stranded while wealth concentrates in fewer hands.
At Rising Tide, we're engineering the return of that tide. Change not pushed through government programs or wishful thinking, but with technology that embodies our nation's highest ideals: equal opportunity, honest dealing, and the belief that every American deserves a fair shot at building wealth.
What Rising Tide is
Rising Tide is a comprehensive financial planning mobile application that combines artificial intelligence with Certified Financial Planner (CFP) expertise to teach everyone the ins and outs of money, brick by brick, using only a smartphone.
Built on the fiduciary standard, the highest ethical bar in finance, every interaction puts your interests first with complete transparency about costs and potential conflicts. Unlike traditional financial apps that optimize for engagement or profits, Rising Tide optimizes for your actual financial education and long-term success.
The app goes beyond budgeting and tracking. It analyzes your complete financial picture across all account types, understands your emotional relationship with and understanding of money, and creates actionable educational content tailored to your specific situation. Whether you're dealing with money anxiety, confusion about what to prioritize, or simply don't know where to start, Rising Tide provides both the emotional support and technical expertise you need.
Our AI-powered platform delivers what wealthy families receive from their personal financial teams: comprehensive financial planning, tax optimization strategies, investment education, retirement tactics, and family financial blueprints—all accessible 24/7 from your phone at a fraction of the traditional costs.
We serve the 141 million American households systematically excluded from quality financial guidance: college students entering the workforce with a negative net worth thanks to student loans, single parents juggling multiple priorities, first-generation Americans navigating unfamiliar financial systems, small business owners with fluctuating incomes, and middle-income families caught between earning too much for assistance programs and too little for traditional wealth management.
Rising Tide grows with you. All of us start somewhere. Every step together is guided by the same fiduciary principles and educational approach that builds genuine financial confidence and capability.
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Core Financial Literacy freemium ad supported model with relevant, vetted, financial advertisement revenue (and identified as such)
Building the fundamentals that every family needs:
Cashflow mastery - Understanding where money goes and taking control
Emergency fund creation - Building the vital safety net that 57% of Americans lack
Strategic debt elimination - Escaping high-interest traps and building credit
Homebuying preparation - Navigating down payments, mortgages, and the path to ownership
Retirement savings basics - Understanding 401(k)s, IRAs, and how compound growth works
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Sophisticated Strategies Made Accessible monthly subscription, no advertisements
As families master the basics and build wealth, they need advanced strategies previously available only to high-net-worth clients.
CFP-level guidance for complex financial goals:
Advanced retirement strategies - Roth conversions, tax-loss harvesting, and withdrawal planning
College funding optimization - 529 plans, education tax credits, and funding strategies
Portfolio construction - Asset allocation, diversification, and rebalancing for long-term growth
Tax strategy maximization - Advanced deductions, business structures, and planning across accounts
Business owner retirement accounts - SEP-IRAs, Solo 401(k)s, and profit-sharing plans
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Seamless Transitions premium monthly subscription with access to exclusive financial content, friend and family invitations, etc.
As families progress through tiers and build wealth, Rising Tide connects them with vetted, fee-only financial advisors who share our fiduciary commitment. These professionals can take over without starting from scratch, maintaining continuity and trust.
Expert-level guidance for complex situations:
Business exit planning - Succession strategies, valuation, and tax-efficient transitions
Insurance strategies - Life, disability, and long-term care planning for wealth protection
Special needs planning - ABLE accounts, special needs trusts, and lifetime care funding
Trust fundamentals - Estate planning, asset protection, and multi-generational wealth transfer
Charitable giving strategies - Tax-efficient philanthropy and legacy planning
LGBTQ+ and blended family planning - Navigating unique legal and financial considerations
More families served means better AI guidance. More professional partnerships create better referral matching. The result is an ecosystem where technology amplifies human wisdom rather than replacing it.
The Vision: America's Financial Democracy
When a single mother masters emergency fund building, when a small business owner optimizes their SEP-IRA, when immigrant families navigate homebuying with confidence, that's democratic capitalism working as designed.
Rising Tide fulfills President Kennedy's promise; when we lift up those who've been left behind, we strengthen the economic foundation that makes America prosperous for all.
The tide is rising. Every American family deserves to rise with it.
Rising Tide: Where American Innovation Serves American Families
The Ripple Effect
This isn’t just an app—we're stewarding a movement that proves technology can amplify human wisdom to jump start generational prosperity. We measure our success not just in revenue or user growth, but in families who achieve financial security for their children for the first time, communities that build lasting wealth through new, localized investment, and lasting economic transformation through thousands of new businesses opened and millions of new jobs to operate them nationwide.
