John Flickinger

Provisian - A unified, personal finance platform

Provisian is an all-in-one financial planning platform designed for both RIAs and consumers. Chart your path to financial success with account aggregation, cash flow management, tax insights, and predictive analytics.

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John Flickinger
šŸ‘‹ Hey Everyone! We’re John and Micah, the founders of Provisian! We've been working hard to build Provisian, a comprehensive financial planning platform for both individuals and registered financial advisors (RIAs). While many solutions focus on short-term budgeting, Provisian provides insights into how ā€œmacro-decisionsā€ can affect your financial outcomes years (or even decades) into the future. With Provisian, you can assess whether your financial plan is on track to meet your needs and goals, addressing questions such as: - How might inflation impact my purchasing power over the next decade? - What effect will increasing my 401(k) contributions have on my retirement savings? - How does purchasing a home in 10 years affect my retirement plans? In the past, answering these questions has required expensive software, an understanding of complex reports, and extensive training. We believe that this restricts many people from reaching their long term financial objectives. That’s why we’re excited to introduce Provisian— an accessible and comprehensive financial planning platform. If you’re a financial advisor working with clients or an individual who wants to take control of your own finances, you’ll be able to seamlessly: - Build a holistic view of your finances with integrations into over 11,000 institutions. - Manage key assumptions like inflation, projected returns, and market volatility. - Generate actionable insights for cash flow management, investment planning, and tax optimization. - Create dynamic, easy-to-understand reports to help you achieve your financial goals. For advisors, Provisian also offers: - Collaboration with an unlimited number of clients. - Customizable color themes to align with your firm’s branding. We appreciate your support and feedback! To celebrate our launch on ProductHunt, we’re offering a 14-day trial to explore Provisian. We can’t wait for you to try it out! 😊
Rahul P
@johnflickinger Are only US institutions supported? Upon trying to register I noticed that there is no option to record canadian addresses.
cupat Kai
@johnflickinger This is the right time to introduce your product and hopefully your product can help/make things easier for users, congratulations on the product launch šŸ™Œ
William Joseph Parker
Congrats on the launch, @johnflickinger! Provisian sounds like a game-changer for both consumers and RIAs. The focus on macro-decisions and actionable insights is impressive. Excited to see how it helps users achieve long-term financial success! #Upvote ✨
John Flickinger
@williamjosephparker - Thank you! We're excited to building for this industry and offering a platform for users to make more informed financial decisions.
Bryan
Congrats on the launch, John and Micah! šŸš€ Provisian sounds like a game-changer for financial planning. The ability to see long-term impacts of financial decisions is super crucial! Excited to see how it helps both RIAs and consumers manage their money smarter. Upvoting for sure!
John Flickinger
@dance17219 — Thanks for the feedback and excited to hear šŸ‘
Nick Lafferty
Congrats on the launch guys! Super excited to follow along. For personal users, it seems like this will go beyond what mint or personal capital provided, is they right?
John Flickinger
Thanks, Nick! Excited to have you following along. That’s correct. With Provisian, personal users gain access to capabilities typically reserved for advisor-only solutions. This increases the specificity, and includes features like custom allocation models, control over asset withdrawal priorities, and estimated tax liabilities — extending beyond what most personal finance applications offer.
Elke
Wow, John and Micah, Provisian sounds like a game changer! Financial planning made simple—count me in! šŸŽ‰ Can’t wait to dive into those predictive analytics and see how macro-decisions play out. Congrats on the launch, and here’s to some serious upvotes!
John Flickinger
Thanks, @elke_qin ! We appreciate the kind words šŸ™
Daniel W. Chen
I used to work in fintech and I know how needed a product like this can be. Wealthfront had a great life path feature but they stopped developing it after the acquisition. congrats on the launch John and Micah!
John Flickinger
Thanks so much for the support, @danielwchen! We definitely agree, and welcome any feedback you have as you compare the two experiences. Lots more to come!
Kelvin Pearson
Congratulations John and Micah! Looks like Provisian is here in the right place at the right time. Keep it up!
John Flickinger
Thanks so much, @kelvin_pearson !! šŸ™ šŸ™
Zenon Fedorowych
Congrats!! Can’t wait to see the future of Provisian.
Michael Deng
Congratulations! Looks very slick ✨ Excited to see the product continue to grow and expand!
zane
This sounds really promising, John and Micah! How does Provisian handle real-time data updates from those 11,000 institutions? Would love to know more about that integration process!
John Flickinger
Thanks, @zane12580 ! We've established a partnership with Plaid, integrating with thousands of financial institutions. This enables Provisian to have "read-only" access to track the account balances and maintain near real-time updates for your financial plan.
Taylor Price
Love the interface, easy to navigate and understand for any user level. The ability to include future investments is a real differentiator from other platforms I have used.
William Scott
This looks really promising, John and Micah! šŸ™Œ What specific features differentiate Provisian from existing financial planning tools currently on the market? Also, how do you ensure that the predictive analytics provided are accurate enough for users to rely on when making long-term financial decisions? Looking forward to hearing more about the integrations with those 11,000 institutions!
dashuai
This sounds promising! I'm curious about the predictive analytics feature—how accurate are the projections based on macro-decisions? Also, what kind of support do you offer during the trial period? @johnflickinger
John Flickinger
@ezshine — The predictive analytics performs 1,000 simulations to provide a range of potential outcomes. These results will be based on both your underlying assumptions (e.g., market returns and volatility) along with statistical modeling to identify the likelihood of difference scenarios. Our team is able to provide full support during the trial period. Feel free to reach out directly with any questions at: hello@provisian.com
Ema Elisi
Congrats, @johnflickinger and Micah, on the launch of Provisian! šŸš€ This all-in-one platform is going to be a game changer for both RIAs and consumers looking to take control of their financial future. The focus on "macro-decisions" is especially impressive; it's great to see a tool that aids
Antoine Gauthier
Hey John and Micah, this sounds like a game changer for both RIAs and consumers! I'm curious about the degree of customization for financial reports. Can users tailor them to their specific financial situations? Also, how do the predictive analytics work in terms of accuracy?
John Flickinger
@antoine_gauthier_ — Great questions! We've partnered with several advisors to design intuitive reports to communicate financial outcomes. These reports update dynamically based on your current financial situation, while giving you control over key assumptions like inflation, market returns by asset class, and withdrawal strategies. Advisors can also customize the color themes to match their firm's branding. Our prediction algorithm runs up to 1,000 simulations (more commonly known as a Monte Carlo Simulation) to provide a range of potential outcomes. The results are driven by statistical modeling and the underlying assumptions that are controlled by the user (e.g., market returns). The more accurate the inputs, the more accurate the outputs.
Ghost Kitty
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Star Boat
Congrats, John and Micah! šŸŽ‰ Provisian sounds like an incredible tool for both RIAs and consumers. Excited to see how it can simplify long-term financial planning. Upvoted!
SJ Kee
šŸ’” Bright idea
This is a super cool tool. Can it help those in Canada too? I know we're a tiny market but hope it comes here too. Also, I wonder if you guys can have a free version for individuals where it is free if you use certain banks or insurance companies etc. so you guys get your revenue from them instead of the user. I see a huge potential where individuals who are smart enough to know that they need something like this but not smart enough to be financial professionals themselves, to use this with all bank accounts and even credit card data flowing in, monitor personal cashflow, and help sell some insurances such as life insurance etc., based on the individual earnings, spending habits, and excess cashflow each month. And then sell some investment products to help save for the big purchase, retirement, etc., all personalized based on a particular person's situation and goals.
Alex
Congrats on the launch, John and Micah! Provisian looks like a game-changer for both consumers and RIAs. The ability to forecast financial outcomes based on macro-decisions is something the industry has been missing. I love the thought of being able to see the long-term impact of my choices, whether it’s about increasing contributions or planning for a new home. The integration with over 11,000 institutions is super impressive and will definitely simplify the financial planning process for many. I can’t wait to explore the reporting features and how they can make my financial journey clearer. This could really help demystify those complex financial decisions that often feel daunting. The 14-day trial is a great way to get everyone to dive in—I’ll definitely be checking it out. Looking forward to seeing how Provisian evolves and brings even more value to its users. Upvoted!