Piere’s MyPlan helps you confidently manage and optimize your finances by providing a step-by-step strategy tailored to your real-time financial picture. This guide walks you through what MyPlan is, how it works, and how to make the most of its recommendations.
What is MyPlan? #
MyPlan is a smart, personalized financial plan generated by Piere using AI. It looks at your real-time accounts, income, and cash flow to generate actionable steps—like when to move money between accounts, pay off debt, or grow savings—so you can build wealth and stay financially stable without guesswork.
Each plan includes:
- A summary of your current financial health
- Tailored money movement recommendations
- A justification for each action
- A schedule for recurring transfers when relevant
Navigating the MyPlan UI #
Here’s how the MyPlan experience is structured:
Plans #
At the highest level, and visible from the MyPlan tab, are your Plans. You can have multiple Plans based on different areas of your finances—like a Liquidity Plan to manage your checking balance, a Growth Plan to invest extra cash, a Debt Payoff Plan to eliminate high-interest balances, or a Savings Plan to build your emergency fund. Each Plan highlights what’s working and what could be improved in that area, gives context about your current situation, and recommends what to do next.
Steps #
Steps are the core recommendations inside your Plan. Each Step of your plan focuses on a specific area—like shifting extra cash to savings, setting up automatic paycheck transfers, or paying down high-interest debt. Steps evolve as your finances change, and always include a clear explanation of what changed and why.
Rules #
Rules are the details that make each Step happen. They specify how much money should move, how often, which accounts are involved, and when it starts. These actions fall into two types:
🔁 Recurring Transfers
These are usually tied to your paycheck or debt payoff. For example:
“You’re paid $3,400 every 2 weeks and typically spend $2,450 on short-term expenses. You can safely automate a $600 transfer to your Brokerage Account each payday to build long-term wealth.”
➡️ One-Time Transfers
These address temporary imbalances or surpluses. For example:
“Move $1,000 from checking to your high-yield savings to avoid idle cash and meet your emergency fund target.”
Moves #
Moves are the money transfers that bring your plan to life. Nothing happens without your approval. Once you review and approve a Plan, the approved Moves will appear in your schedule, and you’ll get notified when it’s time to make one.
To help you feel confident about each transfer, we’ve introduced Move Safely—a smart guardrail that notifies you of each upcoming move and confirms you have sufficient funds to make the move. If your account doesn’t have enough to safely complete the transfer, we’ll pause it and let you know, so you’re never caught short.
Coming soon: moves will be able to run automatically on schedule—but even then, you’ll always be able to pause, skip, or stop any transfer before it goes through.
Each action includes:
- Transfer amount
- Source account
- Destination account
- Frequency (one-time or recurring)
- Start date (for recurring transfers)
Approving or Rejecting a Rule #
You have full control over which parts of your plan go into action. Instead of approving an entire plan all at once, you can review and approve or reject each rule individually.
To approve a rule:
- Go to the MyPlan tab.
- Tap See Details on your plan.
- Tap into a step, then into the rule you want to review.
- You’ll see a summary of scheduled moves—tap Approve to confirm it.
To reject a rule:
Choose Reject Rule to remove it from your plan.
On that same rule page, tap the three dots in the top-right corner.
Editing a Plan #
Want to adjust a rule before approving it?
- Go to the MyPlan tab.
- Tap See Details to open the steps under your plan.
- Tap into a step, then into the rule you want to edit.
- Tap the three dots in the top-right corner and select Edit Rule.
From there, you can update:
- The amount being transferred
- The source account
- The destination account (if applicable)
- “Move Safely” settings (for this rule only)
Plan Updates #
Your plan is designed to adapt. If your finances change—like connecting a new account, your balances shift, or your spending patterns change—Piere may suggest updates to keep your plan optimized.
When this happens:
- You can review each change and choose which parts to approve or skip. Nothing changes without your say.
- You’ll see updated steps, rules, and moves in MyPlan.