AI-NATIVE FINANCIAL PLANNING

Fiduciary-Grade Advice at Scale

Unomia.io delivers comprehensive financial planning powered by multi-agent AI orchestration, real-time regulatory intelligence, and rigorous tax optimization.

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The Six Layers

Unomia.io is built on a sophisticated six-layer architecture that processes client data, generates AI recommendations, and ensures regulatory compliance.

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1. Data Ingestion

Plaid, Finicity, MX, Carta, Textract — normalize all financial data into the unified schema.

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2. Client Financial Model

Live unified model of every client's financial life — accounts, income, tax profile, goals.

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3. AI Reasoning Engine

Multi-agent orchestration with Claude Opus 4.6, GPT-4o, and domain-specific specialists.

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4. Regulatory Intelligence

Live IRS/SEC/FINRA/state monitoring via RAG pipeline with automatic plan updates.

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5. Compliance & Oversight

Tiered human review (Tier 1-4), immutable audit trail, suitability scoring.

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6. Presentation Layer

Advisor dashboard, client portal, white-label API/SDK for integrations.

Multi-Agent Architecture

The AI Reasoning Engine orchestrates specialized domain agents, each trained for specific financial planning domains.

🎯 Orchestrator
Query Classification
Agent Routing
Response Synthesis
Tax Optimizer
Claude Opus 4.6
Roth, harvesting, AMT
Investment Analyst
GPT-4o
Portfolio, rebalancing
Retirement Planner
Claude Opus 4.6
RMDs, SS, drawdown
Estate Strategist
Claude Opus 4.6
Trusts, gifting, legacy
Cash Flow Manager
GPT-4o-mini
Budget, debt, savings
Equity Comp Advisor
Claude Opus 4.6
ISO, RSU, QSBS
Protection Analyst
Fine-tuned Model
Insurance, LTC, liability
Compliance Monitor
Claude Haiku
Suitability, flags
Tax Constraint Layer
Middleware
Validates all recs