Frequently Asked Questions
Find answers to common questions about Pearl, how it works, and what makes it different from traditional financial advisors.
General
4 questions
How It Works
5 questions
Security
5 questions
Pricing
4 questions
Features
5 questions
Quick Answers
Most popular questions at a glance
What is Pearl?
Pearl is an AI wealth manager that handles your entire financial life—investing, saving, debt payoff, and money movement—across all your accounts. It's like having a personal financial advisor that works 24/7, 365 days a year, but costs a fraction of what traditional advisors charge.
How does Pearl connect to my accounts?
Pearl uses Plaid, the same secure technology used by Venmo, Cash App, and thousands of banks. You link accounts through Plaid's interface—your login credentials go directly to your bank, not to us. We literally can't see your password.
Is my financial data safe with Pearl?
Yes. We use two layers of encryption—one for your data, another for your identity. Even our own engineers can't see whose data is whose when they look at our systems. Your identity is scrambled at the database level using bank-grade encryption.
How much does Pearl cost?
Pearl charges 0.25% annually on your connected assets, capped at $1,250 per year. So if you have $500,000 or more, you never pay more than $1,250. That's potentially 90% less than what traditional advisors charge.