Published on Jul 31, 2025

Why Frank Is More Advanced Than ChatGPT for Financial Advice

Written by
Christine NeroJul 31, 2025

Why Frank Is More Advanced Than ChatGPT for Financial Advice

AI is everywhere, from answering trivia to drafting emails, and tools like ChatGPT have shown just how helpful large language models can be. But when it comes to personalized financial advice, general-purpose AI hits a wall because it doesn’t know your actual financial life. Ask it whether you can afford to buy a home, how much you should save for retirement, or whether a Roth conversion makes sense this year, and it can only give you broad, generic answers.

That’s where Frank comes in. Built specifically for financial decision-making, Frank goes far beyond what ChatGPT can do. He’s not here to talk about money in general terms. He’s here to help you make the best decisions for your financial life.

What makes Frank more advanced? First, he’s connected. Frank can securely access your actual financial data—your income, your spending, your goals, and even your tax situation. That means every recommendation is based on real numbers, not hypotheticals. When Frank gives advice, he’s not guessing or offering general suggestions. He’s running real-time calculations, checking against IRS rules, retirement regulations, and investment strategies to deliver advice that’s tailor-made for you.

Second, Frank is built on experience. His core intelligence is powered by a proprietary language model trained on over 5,000 hours of real coaching from SmartPath, our sister company that’s helped thousands of everyday people navigate their finances. That means Frank understands how real people talk about money—not just the textbook version. From first-time homebuyers to parents juggling college savings and retirement, Frank has seen it all and learned from it.

Unlike general AI tools, Frank also runs every recommendation through a multi-step validation process to ensure it’s compliant, legal, and aligned with fiduciary best practices. That’s something ChatGPT simply isn’t built to do. So while ChatGPT can talk about financial concepts, only Frank can look at your actual financial life and say, “Here’s what you should do next and why.”

Want to see the difference for yourself? Schedule a call with our CEO to learn why Frank isn’t just another AI—it’s the smartest way to get financial advice that actually fits you.