# Cost-Free Finance Planners The 'Summed' Virtual Financial Planner Offers Personalized Guidance By Michael Hemsworth | Published 2017-11-01 | Lifestyle Source: Trend Hunter, https://www.trendhunter.com/trends/virtual-financial-planner References: [betalist](https://betalist.com/startups/summed) & [summed.co](https://www.summed.co) 'Summed' is a virtual financial planner that provides users with a way to maintain a better standing with their finances to ensure that they are using their money wisely. The 'Summed' platform incorporates a technology focused design yet will provide users with access to [human expertise](https://www.trendhunter.com/trends/mim-advisor) to ensure that they can navigate the market with better agility. This enables users to ask questions about what to do with extra cash, how to hit a [specific financial goal](https://www.trendhunter.com/trends/moneyvision-app) in a set amount of time and much more. The 'Summed' virtual financial planner offers unlimited advice for users that comes straight from a team of licensed financial experts to keep the focus on a more organic experience rather than utilizing AI technology. ## Trend Insights (Trend Hunter) - Score: 3.9/10 - Popularity: 41% | Activity: 67% | Freshness: 8% - Audience gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: North America ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Lifestyle](https://www.trendhunter.com/lifestyle) > [Credit Crunch](https://www.trendhunter.com/creditcrunch) ## Key Themes ### Key Themes Behind This Trend - **Virtual Financial Planners:** Disruptive innovation opportunity: Develop AI-powered financial planning platforms that offer personalized guidance. - **Human-centric Financial Assistance:** Disruptive innovation opportunity: Create platforms that combine human expertise with technology to provide users with personalized financial guidance. - **Unlimited Financial Advice:** Disruptive innovation opportunity: Build platforms that offer unlimited access to licensed financial experts for personalized financial advice. ### Where This Applies - **Fintech:** Disruptive innovation opportunity: Fintech companies can create virtual financial planning platforms that offer personalized guidance. - **Wealth Management:** Disruptive innovation opportunity: Develop wealth management platforms that combine technology and human expertise to provide personalized financial assistance. - **Online Financial Services:** Disruptive innovation opportunity: Online financial service providers can offer unlimited access to licensed financial experts for personalized financial advice and guidance. ## Related on Trend Hunter - [Personal Finance Planning](https://www.trendhunter.com/trends/financialaha.md) - [Savvy Personal Finance Platforms](https://www.trendhunter.com/trends/personal-finance-tools.md) - [Unified Financial Management Platforms](https://www.trendhunter.com/trends/fina-money.md) - [Action-Focused Finance Apps](https://www.trendhunter.com/trends/clearmoney-app.md) - [Personalized AI Finance Tools](https://www.trendhunter.com/trends/tendi-ai.md) - [Personal Financial Assistants](https://www.trendhunter.com/trends/financial-assistants1.md) - [Personalized Budgeting Tools](https://www.trendhunter.com/trends/mybudgetcoach.md) - [AI Personal Finance Tools](https://www.trendhunter.com/trends/personal-finance.md) - [Financial Planning Platforms](https://www.trendhunter.com/trends/provisian.md)