Candidly Expands Its AI Financial Guidance Platform with Six New Capabilities, Including Guidance for Trump Accounts

New Candidly Intelligence Center capabilities are arriving through MCP and API, arriving as Trump Accounts open for contributions on July 4.

NEW YORK--(BUSINESS WIRE)--Candidly, the category-defining AI-native financial guidance platform, today announced six new capabilities available as part of a composable stack of configurable agents that comprise the Candidly Intelligence Center. The Candidly Intelligence Center is the company’s enterprise-grade deterministic AI infrastructure that powers personalized financial guidance for the enterprise, down to every end user. The new capabilities span retirement, equity compensation, account guidance, budgeting, benefits intelligence, and the new tax-advantaged children’s investment accounts widely known as Trump Accounts. These capabilities enable the financial services industry to put AI in the hands of the people it serves, not just inside its own operations, delivering customer-facing experiences that improve financial outcomes for all.

All six will be available at the end of the month through Candidly's MCP gateway and API, for partners who want to deliver personalized conversational experiences in their own front end. For those seeking an end-to-end experience—with orchestration, visuals, and calls-to-action included—Candidly is releasing white-labeled front-end experiences this fall. This adds to the student debt and college planning capabilities available now.

Each new capability is a productized, hardened unit of guidance, built from the same five components:

• Knowledge bases: Curated, compliance-reviewed domain content, the language and rules a specialist would use.
• Skills and tools: Deterministic computations that run in a sandbox with full audit trails.
• Data: Candidly reference data, permissioned partner integrations across payroll, benefits, and recordkeeping, and data the person brings.
• Actions: Surfaces that turn a computed answer into a completed step, such as a contribution change or plan election.
• Visuals: Inline components, including contribution charts and projection visualizations, that render the result in context.

Guidance for Trump Accounts, as Contributions Open July 4

Leading the release is guidance for Invest America accounts, the new tax-advantaged investment accounts for children established under the One Big Beautiful Bill Act (OBBB) and widely known as Trump Accounts. Regular contributions are expected to open July 4, 2026, with a one-time $1,000 U.S. Treasury contribution for eligible children born between 2025 and 2028. Employers can also contribute, with the first $2,500 per employee each year excluded from taxable income, and the President has called on employers nationwide to match contributions for their workers' children.

That creates an immediate need for guidance most employees have never had. Candidly's Invest America accounts capability helps people understand eligibility, set contribution levels, and evaluate employer contribution options, calculated against their actual financial picture. For the partners that deploy Candidly, it is a way to reach participants and employees at the moment many are making this decision for the first time.

"These six capabilities unlock what we've always believed is possible: enabling the industry to meet every participant and investor where they are, with holistic, N=1 personalized guidance that harmonizes across both sides of the balance sheet,” said Laurel Taylor, Founder and CEO of Candidly. “The divide in the market right now is stark: generic guidance built for the masses on one side, deeply personalized digital experiences on the other. The composable stack we're releasing enables the financial services industry to cross that chasm, defend market share, and grow. And when the industry incumbents move the market, hardworking Americans get the guidance they deserve."

Six New Capabilities

Each capability is an independently deployable unit of guidance within the Candidly Intelligence Center. Partners can deploy a single capability, bundle several for a specific audience, or anchor an entire financial wellness experience on the platform.

• Invest America accounts: Guidance on eligibility, contribution levels, and employer-contribution optimization for the new tax-advantaged children’s investment accounts.
• Retirement: 401(k) optimization, match analysis, Roth strategy, and decumulation planning.
• Account guidance: Guidance across tax-advantaged retirement, brokerage, 529s, HSA, and held-away accounts, brought together in one view.
• Budgeting: Real-time, transaction-grounded guidance on cash flow and goals.
• Benefits intelligence: Semantic search across employer plan documents, so guidance reflects a person’s actual eligibility.
• Employer equity plans: Guidance on enrollment windows, contribution levels, tax treatment, and modeling the trade-offs of selling versus holding.

A Foundation Built for Compliance

Every capability is deterministic by design, and every calculation is designed to be traceable and auditable end-to-end. Guidance is computed against permissioned, institution-grade data, including payroll, balances, transactions, and benefits elections. The platform is certified SOC 2 Privacy and SOC 2 Type II, aligned to NIST 800-53 Rev. 5, deployable on-premises, and vendor-risk-cleared by some of the largest financial institutions in the country.

To learn more about the Candidly Intelligence Center, visit getcandidly.com/ai-solutions.

Guidance provided by Candidly is educational in nature and is not intended as tax, legal, or investment advice. Individuals should consult their own tax, legal, and financial advisors regarding their specific circumstances.

About Candidly

Candidly the category-defining AI-native financial guidance platform that delivers holistic financial guidance to employees through employers, financial institutions, and workplace service providers. Founded in 2016, the company's mission is to help hardworking Americans move beyond debt, into wellness and ultimately wealth through comprehensive, holistic, and personalized digital experiences. Through these partnerships, Candidly is positioned to serve 1 in 2 U.S. workers.

Candidly is backed by leading venture capital and strategic investors including Altos Ventures, Breton Capital, Cercano Management, Rethink Impact, Salesforce Ventures, and several additional notable investors. For more information, visit www.getcandidly.com.