Origin Financial offers a wealth-building platform for individuals looking to manage their finances beyond basic budgeting and spend tracking. Originally launched as an employee benefit for organizations like Webflow, Turo, and Modern Health, Origin Financial combines expert advice with cutting-edge technology. Through the platform, users can access tools for tracking their net worth, budgeting, monitoring their credit scores and investing without AUM fees. The platform provides access to Certified Financial Planners (CFP®), estate planning options, a high-yield cash management account, and investment accounts.
- Comprehensive financial tools, including spend tracking, budgeting and estate planning
- Offers both human planners and an AI assistant for financial guidance
- High-yield cash account with a competitive APY rate and promotional rates for new users
- Additional costs for estate planning and financial advising sessions
- Advanced investment tools may be complex for newer investors
Origin Financial Ratings at a Glance
Origin Financial Products
Origin Financial provides extensive services tailored to support long-term wealth building. Key products include spend tracking and budgeting, a high-yield cash account with a base rate of 5% APY (updated monthly), estate planning options and a DIY tax filing service. Users can access investment tracking tools, brokerage accounts and CFP® planning sessions.
Origins can track your assets, liabilities, equity and real estate (via Zillow integration) all in one place. Plus, access powerful customization tools, like the ability to upload transactions via .csv, create custom categories, edit or add transactions and more. Managing your money is quite easy. You can even add a partner to Origin to manage your money as a couple at no extra cost.
Origin’s Sidekick AI assistant offers personalized financial guidance. Beyond the individual products, Origin's differentiating feature is integrating all these tools on a single platform, allowing users to connect and monitor their financial accounts, assets and equity in one place. This breadth of services makes Origin Financial an appealing choice for users looking for an all-encompassing financial platform.
Origin Financial operates on a membership model, with the option for a monthly membership or an annual one, which is $99. This membership provides access to core features, including spend tracking, investment accounts and credit score reporting. Estate planning services require additional fees, starting at $119 for a will and $359 for a trust–both are discounted if you’re on an annual plan. Origin Financial does offer a free simple will to members for $0. Financial planning sessions with a CFP® are available for $119, with a 30% discount for annual members, bringing the price to $83 per session for members. The costs reflect the platform's range of offerings, balancing affordability with the comprehensive suite of services.
Origin Financial prioritizes data security with high encryption standards across its financial accounts. The platform implements strict compliance measures to safeguard user information and financial transactions. They’re also FDIC-insured through partner banks and SOC 2 compliant. With secure account connections and ongoing monitoring, Origin’s security protocols provide users with peace of mind, though potential investors should still remain cautious when managing their information online.
Origin Financial’s platform is designed to be intuitive and user-friendly, making it easy for members to track spending, manage assets and set financial goals. Setting up an account and connecting financial information is straightforward, with guidance provided by the AI assistant Sidekick. While the platform's more advanced features, such as estate planning and tax filing, may require additional user learning, the tools offered make it highly adaptable for users at different financial journeys.
Origin Financial offers access to financial advisors, an AI-powered assistant and multiple support channels. The customer service experience is generally positive, with an average turnaround time of 1 minute for live chat and 32 minutes for an email response.
CFP® sessions provide users with personalized support, though these sessions come at an additional cost, which could be a barrier for some.
Origin Financial vs. Competitors
Origin Financial’s wealth management approach places it in close competition with platforms like Monarch, Copilot and Rocket Money, all of which cater to users looking for integrated financial planning, investment tracking and budgeting features.
Origin Financial sets itself apart by combining comprehensive financial planning with wealth management tools and a unique emphasis on estate planning. Unlike Monarch, Copilot and Rocket Money, Origin incorporates estate planning within its platform, enabling users to create wills and trusts directly, alongside net worth tracking and personalized investment insights. Origin’s integration of CFP® professional planning sessions and the AI-powered assistant Sidekick offers both human and automated guidance, a feature that these other platforms do not currently match. Unlike most financial planning apps, Origin also offers investing directly in the platform.
Origin Financial excels in delivering a complete suite of tools for wealth management, from spend tracking to estate planning and high-yield cash accounts. With services tailored to users looking for traditional financial tools and advanced investment options, Origin provides an accessible yet sophisticated platform. Although the platform’s estate planning and financial planning sessions come at an additional cost, the high level of service and unique offerings justify the investment for users focused on comprehensive wealth building.
Disclaimer:
Origin Financial has an affiliate relationship with Benzinga, and Benzinga may receive compensation if you click on links in this review and take certain actions. This compensation arrangement may create a conflict of interest, potentially influencing the content of the review.
Advisory services are offered through Origin Investment Advisory LLC ("Origin RIA"), a Registered Investment Adviser registered with the Securities and Exchange Commission and a wholly-owned subsidiary of Blend Financial Inc. DBA Origin Financial. Origin RIA's registration as a Registered Investment Adviser does not imply a certain level of skill or training. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services. All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions.