As we enter the final stretch of the year, investors face a critical window to evaluate, rebalance, and prepare. Whether markets have treated you kindly or tested your patience, now is the time to take a clear-eyed look at your financial picture — with as little noise and bias as possible.

Here are three essential questions every investor should ask before year-end — and how our new platform, Pythia®, can help you answer them with clarity and confidence.

---

1. 

Is my asset allocation still aligned with my goals?

Life changes — so should your portfolio. What worked last January may be mismatched by December. Are you still on track for your major goals: retirement, a home purchase, funding a business, or building generational wealth?

Pythia’s Take:

Pythia dynamically maps your goals to your holdings, comparing your current asset mix against projected timelines. You’ll see whether you’re overexposed to risk or drifting from your targets — and what may increase your probability of success.

---

2. 

Have my spending or income habits changed meaningfully this year?

Budgeting isn’t just for early-career professionals. Shifts in cash flow — promotions, job changes, new expenses, inflation-driven lifestyle creep — all influence how much you can invest and save.

Pythia’s Take:

By linking your accounts securely and categorizing your transactions, Pythia tracks your cash flow and flags any shifts in saving velocity or spending ratios. Think of it as a real-time x-ray of your financial behavior.

---

3. 

Do I have enough liquidity heading into Q1?

The holidays often bring year-end spending spikes, but Q1 can be just as financially demanding. Tax bills, insurance renewals, and annual subscriptions can all hit when you least expect them.

Pythia’s Take:

Our liquidity ratio and quick ratio calculators show whether your current cash reserves are adequate — and simulate how upcoming expenses might impact your buffer.

Where to From Here?

If these questions resonate, you’re not alone. That’s exactly why we built Pythia — to give investors a smarter, calmer way to plan.

We’re currently onboarding users from the waitlist, with our full public (and mobile) release slated for later this year.

👉 Join the waitlist now and get early access to data-driven financial clarity.

👉 Already on the list? You’ll hear from us soon with your invite.

Stay agnostic, stay aware — and finish the year with purpose.