What's new
The latest changes and improvements to Wendworth.
- New
See what the advisor knows about an account, on the account
Open any account and you'll find "What the advisor knows about this account" — the rules and beliefs that apply to just that one, with the same controls as the advisor's own page. Confirm something, stop it applying, or delete it without going anywhere else. It shows on manually-added accounts as well as connected ones, and isn't there at all if you don't use the advisor.
- Improved
Rules about one account now say which one
A rule or belief scoped to a single account used to read "One account", naming none — and the advisor read the same thing in its own reasoning. Both now use the account's real name. A new By account tab groups everything in force by the account it applies to, including accounts you have hidden, whose rules still apply. You can also scope a new rule to an account from the form, which previously only offered goals.
- New
Delete something the advisor got wrong
"What I've learned" already let you stop using a rule or a belief, keeping the entry so you can see why past advice changed. That is right when something was true and has stopped being — and wrong when the advisor simply misunderstood you. Delete now sits beside Remove, showing you your own words and what the entry has actually done before you commit; an in-use belief also gains "Still true", so you can confirm one without waiting to be asked.
- New
See the cash sitting in your brokerage — and the advisor now counts it
Your brokerage account page now shows how much of it is uninvested cash, with a bar splitting invested from cash and a total that adds up in front of you: every row in the market-value column sums to the account total your provider reports, so you can check the figure rather than take it on faith. The advisor counts that cash too. It used to work out your cash from the *type* of each account, which meant uninvested money sitting in a brokerage counted as nothing — so it could tell you there was nothing spare to put to work while you were holding thousands. Expect your cash total and your runway to read larger and more accurately than on your last report; nothing was broken before, the number was an estimate and is now a measurement. Accounts that have not synced since this shipped show a dash rather than a zero, because we do not know what they held and “$0.00” would be a different claim entirely.
- New
Ask the advisor to set up a goal
Tell the advisor what you’re saving or planning for — “retire at 60 on about $3,000 a month” — and it drafts the whole goal: the right type, a name, starting figures worked out from your own accounts with a line on where each came from, and a suggested contribution plan. It arrives as something to confirm, not something that’s happened, and every field is yours to change afterwards. This takes over from the “Draft with AI” bar on the new-goal form, so you can now do it from any page and ask what a goal would actually mean for you before you set it up.
- New
Ask the advisor anything, and pick the conversation back up later
There’s an Advisor button in the header of every page now (⌘K opens it anywhere). Ask about whatever you’re looking at — an account, a goal, a suggestion — and it answers from your own figures, showing you what it looked up as it goes. It can also propose a change for you to confirm; it never makes one itself. Your conversations are kept and searchable, so you can find something you asked a fortnight ago and carry on from there — and any suggestion still waiting on your decision comes back with the conversation instead of disappearing when you close the panel.
- Fixed
Rules you set about one account are actually applied now
“What I’ve learned” promised that every rule there is checked against every suggestion before you see it. For rules about a single account that wasn’t true — they were listed as enforced and applied to nothing. They now hold, in both directions: a rule about your Roth stops a suggestion moving money out of it as surely as one moving money in. Those rules also name the account instead of just saying “one account”, and a rule that applies to everything now says so rather than the narrower “every goal”.
- Fixed
A rule whose date has passed no longer claims to be in force
A rule you’d set to expire kept sitting under “Rules I check every recommendation against” after its date had gone, even though it had already stopped being applied. It now moves to “No longer applied” the moment it lapses. Skipping a suggestion from its own page also finally tells you what rule that taught the advisor — before, only the card did — and “I already did this elsewhere” now marks the suggestion done instead of dismissing it, so your goal and your track record both count it.
- Improved
Recommendations now say which account to act in
A suggestion like “buy $50 of GOOGL” told you what to do but not where to do it — and which account you use changes the tax consequences. The advisor is now given your accounts individually, so it can weigh a retirement account against a taxable one and a 4.8% cash account against a 0.4% one, and each recommendation names the account it means. Your reports also now show anything the advisor came up with that wasn’t shown to you, and why — whether a rule you set held it back, or it wasn’t specific enough about where to act.
- Fixed
A recommendation’s page and its card now agree
Opening a recommendation you had snoozed showed it as though it were still waiting on you — offering to snooze it again, with no way to wake it early. One whose window had closed looked open too, and one that failed had no state of its own. All three now read correctly, and “I’ve started this” is available on the page as well as the card. Skipping is no longer offered on a recommendation that is already finished, where it never worked.
- Improved
The app is much faster to load
Wendworth was running on servers on the opposite side of the country from its database, so every page had to send each request across the continent and wait for it to come back — several times over before it could show you anything. It now runs alongside the database, and that waiting is gone. Goals, Recommendations and the rest of your signed-in pages should all feel noticeably quicker.
- Improved
Your recommendation filters are now part of the link
The Recommendations page used to load every recommendation you had ever received before it could show you anything, which got slower the longer you used it. It now loads only the ones you are looking at. Your filters and search live in the address bar, so you can bookmark a view or share it, the back button undoes a filter, and a long history loads in pages with a “Show more” button. The counts on each tab still describe everything you have, not just what is on screen.
- Fixed
The menu on a recommendation stays on top
Opening the status menu on a recommendation drew it underneath the card below, so the options at the bottom of the list were covered by whatever came next. The menu now sits above the rest of the list, wherever it opens. On a phone, a card's title no longer runs into the amount beside it — the title gets its own line.
- New
Delete a recommendation from the list
You could already skip a recommendation, which keeps it on record so the advisor learns from it. If you'd rather it were simply gone, Delete is now in the status menu on every card and asks before it removes anything. Recommendations the advisor has replaced with newer ones can be cleared this way too — previously there was nothing you could do with them.
- Improved
An estimated figure now says it's an estimate
For most goals the app measures your progress from your own account balances. For the few it can't — a debt payoff, an allocation target, tax-advantaged contributions — the advisor estimates it instead, and until now the two looked exactly the same. An estimated percentage is now marked with a ≈ and explained wherever it appears, so you can always tell a measured number from a judgment call.
- Fixed
Recommendations land on the right goal
When the advisor proposed an action, it occasionally tagged it with a goal reference that didn't match any of your goals — and the recommendation then appeared under "All" but was missing from the goal's own page, so the advisor kept suggesting it. Those references are now checked against your actual goals before anything is saved.
- Improved
You can see what the advisor is doing
While a report is running, the button you pressed now stays put and turns into a live status instead of vanishing, and the detail — which step it's on, how long it's taken, roughly how long it usually takes — appears below it with room to read. The progress bar moves now, so a long run no longer looks stuck, and the page no longer says "not analyzed yet" while it's busy analyzing.
- Improved
Easier to read, everywhere
Secondary text across the app — the small print under a figure, the label on a status pill, the description beside a goal type — was too light to meet accessibility standards. It's all been recoloured to be comfortably readable, in both light and dark mode. A stale advisor review is now marked with a clear banner instead of being greyed out, so you can still read it.
- Improved
Goal cards that actually click
Your goals now sit in two roomier columns instead of three cramped ones, and the whole card opens the goal — the title, the figures, the projection, anywhere. "Run report" in a card's footer is a real button now: it starts the report and takes you to the goal to watch it run. The ⋯ menu no longer hides on phones, and every card's footer lines up on one baseline.
- New
Bring your own API key
A new API keys section under Settings lets you supply your own keys for the providers that power Wendworth — your Anthropic key for the AI features, and research sources like Finnhub, FRED, and more. Paste a key once and it's encrypted at rest, never shown again, and used in place of Wendworth's own for your requests, with a one-click test to confirm it works. Your AI runs and the advisor's research use your keys when you've set them, and fall back to Wendworth's when you haven't.
- New
See when your income goal will arrive
Setting an income goal now shows a live projection built from your real accounts. Choose which accounts generate the income and you'll see what they produce today from dividends and interest; set a target and a monthly contribution and a chart projects when you'll reach it, with amounts marked along the way. Or pick a target month and year and Wendworth suggests the contribution that hits it. The estimate is deliberately conservative — it grows from your contributions and reinvested income, with no assumed market gains — so you'll likely get there sooner. You can also give a manual cash account an interest rate so it counts too.
- Improved
A clearer way to get around
Wendworth has a refreshed navigation: a consistent header and footer on every page, and — once you're signed in — a sidebar of your sections on larger screens with a thumb-friendly bar and menu on your phone. Your account controls now live in one predictable place.
- New
Works offline
Install Wendworth to your device and it keeps working when the connection drops — the app loads from a local copy, and if a page can't be reached you get a calm offline screen instead of a browser error. Your financial data is never stored on the device.
- New
You choose about analytics cookies
We now ask before turning on non-essential analytics — nothing loads until you agree, and you can change your mind any time from “Cookie preferences” in the footer.
- New
Wendworth is live
The app is deployed at wendworth.com and working end to end — passwordless sign-in, security headers, and rate limiting all in place.
- New
Accounts and balances
Add your accounts and balances by hand, in any currency, and see a running total that refuses to silently mix currencies together.
- New
Passwordless sign-in with a second factor
Sign in with a magic link — no password to remember — and add an authenticator app as a second factor to keep your account safe.