Wealth Guide

Wealth Guide, established in June 2019 by CEO Bae Hyun-ki, is a fintech company specializing in personal financial management (PFM) and asset advisory services. The firm's mission is "Finance for Good Society," aiming to assist clients, particularly baby boomers and Gen X, in securing their financial future, with an initial focus on retirement and pension income.

The company operates on a B2B model, providing its solutions as a service to MyData business operators. Its core technology is a proprietary PFM engine combined with Generative AI, branded as PFAI-as-a-Service. This platform analyzes a user's comprehensive financial data—including income, expenses, assets, and liabilities gathered through MyData—to simulate lifetime cash flow, predict net worth at retirement, and offer hyper-personalized financial advice through a conversational AI interface. For individual users, Wealth Guide developed the "My Muffler" mobile application, which integrates and analyzes all personal pension accounts (national, retirement, and private) to offer tailored portfolio recommendations via a robo-advisor. This service helps users optimize their pension performance by suggesting adjustments to asset allocation, facilitating account transfers, and minimizing taxes and fees.

Founded by Bae Hyun-ki, a former Executive Vice President at KEB Hana Bank, the company leverages deep industry experience. Wealth Guide was designated as an innovative financial service in the regulatory sandbox by the Financial Services Commission in October 2019, allowing it to develop its mobile pension advisory platform. By January 2021, the company had successfully raised 3.1 billion KRW in a Series A funding round from investors including KB Investment and Seoul National University Technology Holding Company, achieving a valuation of 13 billion KRW. Total accumulated investment reached approximately 7 billion KRW by the end of 2023.

Keywords: personal financial management, PFM, asset management, retirement planning, pension advisory, robo-advisor, MyData, generative AI, fintech, financial planning, wealth management, B2B SaaS, investment advisory, lifetime cash flow simulation, pension consolidation, financial technology, asset allocation, Bae Hyun-ki, My Muffler