Free through January 1, 2028. That is the offer Bill Harris is making to anyone who signs up for the beta of Evergreen.ai, his new AI financial advice app, and there is no minimum balance to use it.
The bottom line: Harris, the former chief executive of Intuit and PayPal, is trying to put wealthy-client planning in front of people who have never had an adviser. The figure that matters is his own. “A 2024 survey found that 73% of American adults don’t use a financial advisor,” he said in a statement.
Why not just ask a chatbot?
Harris argues that many of those people are already turning to general-purpose AI chatbots for money questions, and that this is a problem. Those models, he said, often lack the personal data needed for specific answers, can produce wrong numbers, and were not built to protect what users tell them. Evergreen.ai, in his words, “combines specialized models, knowledge bases and quantitative tools built for one purpose only.”
The app covers retirement, investment and tax strategy, with calculators for security prices, equity compensation, net worth, home ownership, retirement accounts and college savings. A planning calculator tracks short-term cash flow and long-term retirement projections. Answers can come back as charts, tables, side-by-side comparisons or plain language.
The math sits outside the language model
Co-founder and chief technology officer Bryan Godwin, who has seven patents pending on the platform, described the design this way: language models handle the conversation, while deterministic software runs the actual calculations and anchors each answer in current tax and financial knowledge. “Today, the harness matters as much as the model,” he said.
On privacy, the company says Plaid links user accounts, so bank credentials never reach the AI. Data is encrypted, will not be sold to third parties, and will not train public AI models.
The business behind it
Evergreen.ai comes from Evergreen Wealth, the registered investment adviser Harris launched in September 2025 with $100 million in assets and 50 employees, half in technology and half in advice, client services, operations and marketing. By December 31, 2025, it held about $112 million. Last November it signed Apex Fintech Solutions to supply its AscendOS investment platform for the firm’s Dynamic Portfolios.
Harris has done this before. After six years as Intuit’s chief executive and a stint in the same role at PayPal, he started Personal Capital, which grew to about $23 billion in assets before Empower bought it in 2020 in a $1 billion deal.
