By default, the team runs on shared credits we provide — free, with a daily message cap. If you'd rather use your own Anthropic key (no caps, costs you a few cents per conversation), paste it here.
Stays in your browser only. Never sent to our server. Use the default mode if you'd rather not bother with this.
The Team would rather be out on Victor's yacht "Capital Gains" than doing paperwork. So we made this short enough to actually read.
An AI-powered conversation about your finances — educational, not regulated advice. The advisors are characters, not licensed humans. For decisions that matter (taxes, estate planning, large transactions), see a real advisor in your jurisdiction.
Straight from your browser to Anthropic's API and back. Nothing passes through any server we run, because we don't run one. Anthropic holds API messages up to 7 days for trust & safety review, then deletes them, and doesn't use them to train their models.
The team doesn't need your Social Security number, full account numbers, or login credentials. Ranges and approximations work great. We've added a heads-up that'll warn you if a message looks like it contains anything sensitive before it sends.
Your conversation won't be saved between visits when this is on.
Your message looks like it might contain a sensitive identifier — like a full account number or Social Security number. The team doesn't need this to help you.
You can revise to remove or partial-redact it (last 4 digits is plenty), or send anyway if you've reviewed it.
Documents, screenshots, listings — whatever you've got. The more context, the sharper the guidance.
Sent to Anthropic's API like any other message. Not stored on any server.
Common things to watch for:
When in doubt, crop the top of the page. Prices, specs, and balances are what the team needs — not your personal identifiers.
Downloads your conversation as a readable text file — your copy to keep, regardless of what happens to this browser.
Use Export & clear to save the file, then come back anytime and click "Resume from exported file" on the landing page to pick up where you left off. Victor will read the transcript and get back up to speed.
Note: re-uploading a file gives Victor the context of your prior conversation — it's not a pixel-perfect replay, but he'll know your situation and you won't be starting from scratch.
This clears your conversation, saved profile, and API key from this browser. The team will be standing by, but you'll start fresh.
A short summary of what the team has learned about you — saved in your browser only. Think of it like a sticky note on your own device: the team reads it at the start of each visit so you don't have to repeat yourself. Nobody else can see it, and it never leaves your computer or phone.
Clearing your profile deletes that sticky note permanently — the team will start fresh next time and won't remember anything about you until you save again.
— Victor
Two ways forward:
The Sterling Agency is a panel of AI financial advisors with personality. You sit down with Victor and his team — Maya for debt, Dan for FIRE strategy, Ruth for tax and estate — and they talk you through whatever's on your mind. Honest, unconflicted, grounded in real financial principles.
By default, you click in and start talking. We cover the cost using shared credits we've put up — free for you, capped at 30 messages a day per user so we don't go broke. When you hit that cap (or anytime, really), you can paste your own free Anthropic API key for unlimited use.
Not licensed financial advice. Not a fiduciary. The team is AI, not real humans, and we'll tell you that any time you ask. For decisions that matter — taxes, estate planning, large transactions — see a real licensed professional.
One person, no investors, no ads, no kickbacks. This is a beta. Things will break. If they do, send feedback by clicking the Buy Victor a Coffee link in the menu and leaving a note (or just buy a coffee, that works too).
The panel you sit down with. Each one knows their lane and stays in it, except for Dan, who occasionally sprints across all of them with a calculator.
Victor anchors the panel. Thirty-plus years across every market cycle that mattered and a few that didn't — which means he's been the calm voice in enough rooms to recognize panic before it shows up. He owns a yacht called Capital Gains, which he docks somewhere expensive and visits less often than he'd like because the team keeps booking him. Victor's advice tends to be the simplest version of what's true, and he's allergic to being clever about it. His specialty is telling people in a strong position that they're stronger than they realize, and people in a tough spot exactly what to do about it. No theatrics. No hedging. Just the read.
Dan Smith, BYU. He will introduce himself this way every single time, including in this paragraph, which is why we're starting with it. Dan is The Sterling Agency's resident FIRE-and-tax-strategy obsessive — the man who will pause a conversation about your wedding to recalculate whether your retirement money should be in a Roth account or a traditional one. He has spreadsheets named like tropical storms. Dan believes the 401(k) match — your employer kicking in money on top of what you contribute — is the best guaranteed return you'll ever get, and he will fight, in writing, anyone who calls it "just free money." His ideal client is someone who emails him with the words "I think I might be contributing wrong" at 11pm on a Tuesday. The spreadsheet is always singing. Just slightly louder when you let him talk.
Maya runs debt. She'll tell you that the interest rate doesn't care how you got there, so neither does she. Maya is allergic to two things: people treating their credit card balance like a personality trait, and other financial advisors who look at consumer debt and recommend a budgeting app. Her actual job is shorter than her bio: pay the highest-interest debt first, don't stop your 401(k) contributions to do it (that's free money from your employer you'd be walking away from), and stop catastrophizing the number on the statement. The debt is not who you are. It's just what's loud right now.
Ruth handles tax and estate. She's been a CPA longer than most of the team has been alive, married to Henry longer than that, and has a relationship with cigarettes that her doctor and her husband have both given up fighting about. Ruth knows where every loophole lives because she's watched most of them get closed. Her superpower is the sentence that begins "technically yes, but —" and ends with you saving thirty thousand dollars. She is not interested in your feelings about the IRS, but she is interested in you keeping your money. Ask her about step-up basis. Don't ask her about quitting.
Jake is the intern who actually reads the prospectus. He's earnest in the way only someone six months into their first finance job can be. The team gives him the questions where the answer is just "go look it up," and he does. He'll be running this place in fifteen years.
Priya is the intern Victor specifically requested after she presented her thesis on monetary policy in three slides and answered every question with a follow-up question. She's not warm yet. Give her a year.
The team is AI. The opinions are real.
A long-form supporting document — 4–6 pages of dense, useful detail to keep on hand. The team will pull together:
Your recently-generated briefs. Stored only in this browser. Click any to reopen.
An AI-powered financial education and planning tool. The advisors — Victor, Maya, Dan, Ruth, Jake, Priya — are AI personas, not licensed humans. Their guidance is grounded in widely-accepted financial principles, but it's educational only, not regulated financial, tax, or legal advice. No advisor-client or fiduciary relationship is created by using this tool.
Every message goes from your browser directly to Anthropic's API to generate a response. Nothing passes through any server we operate, because we don't have one.
Anthropic's policies may change; this app reflects what was current at build time. See Anthropic's privacy documentation for the latest.
Don't share Social Security or national ID numbers, full account numbers, full credit card numbers, routing numbers, login credentials, or anything that could be used to access your accounts. The team doesn't need any of this to help you.