A unified decision-making platform that allows you to understand your options and make decisions that fit your individualized needs from today to the future. Make and manage budgeting and cash flow decisions to meet your day-to-day spending needs, establish and achieve annual discretionary spend objectives to live a better life while planning and tracking your progress towards your longer-term aspirational and retirement goals.
One connected platform to help you from today to retirement and beyond!
Create your own budget or fine tune one we create based on your financial history using our AI-powered forecasting algorithms. Modify the spend categories and amounts to create the right combination between what history says and what you know about your future spend needs.
Review your cash flow projected out on a weekly basis to ensure you have the required funds to meet your expenses. Using the integration to your financial accounts, the data is updated to provide you an accurate and timely view.
Get a "single pane of glass" view of all your financial assets in one place showing how your finances are evolving week by week to meet your annual and retirement goals. Use the information and our recommendations to decide how you deploy your savings to optimize between growing wealth and paying liabilities, planning for exciting life events or getting through unexpected challenges.
Design multiple investment and growth scenarios to see what your projected net worth is likely to be year by year. We also provide a patented, proprietary AI-powered simulations the likely range of outcomes for each year. We take into account decisions you will have to make in retirement to guide decisions you need to make now to optimize taxes, comfortably meet your retirement needs and manage generational wealth.
A variety of trackers to monitor your spend against your budget, your regular and savings for special needs such as your and/or your kids education, fixed assets, income and equity.
Curious how you are doing compared to others? Based on "opt-in" data, our patented, proprietary AI algorithms will provide you benchmarks with different FinographicTM and Psychographic segments.
And connect all the financial data to start making the money work for the UNIQUE you!
Use a guided questionnaire to capture all of the unique details about you and your plans goals and aspirations.
Connect all your financial accounts so that your data can be used in a timely manner to provide the solution insights and recommendations.
Don't want to fill a questionnaire or use a browser or mobile app to access the insights/recommendations? Tiva is here to help! A conversational AI agent who can collect your information, provide you updates or help you make decisions.
Fill out the questionnaire, connect your financial accounts. Data is downloaded using a secure integration using a secure financial account integration, we don't store financial account logins or passwords. Data is stored securely with a multi-level security framework, no data goes out to unauthorized third parties or any other application.
After authentication, users land on the Spinner — a 3D prism launcher that provides instant access to all reports and tools.
Interactive charts, AI-assisted analysis that gives you actionable insights, and recommendation engines that give you decision choices. All individualized to your needs to help you live a better life by managing your wealth from today through retirement and beyond.
Founded in 2025, TiVaMo is about Time Value of Money. We use whatever information you are comfortable providing to understand your current financial situation, and your financial needs and goals to provide tools to help you achieve those goals aligned with your personal preferences. We use our patented, proprietary questionnaire to ensure no detail is overlooked. And we use our patented, proprietary AI technology to process all the information and generate insights that you can use on a regular basis to review your progress. This will also allow you to evaluate scenarios and adjust your strategies to continue that journey. And, where appropriate, our AI engines will generate recommendations to provide guidance. Ultimately, the journey is uniquely yours. TiVaMo will be your trusted partner to help you along that winding road.
Questions about the platform or help connecting your data pipeline? We'd love to hear from you.