Communication

Bridge value differences through text messaging - the most familiar and accessible way to discuss your finances.

Overview

Finn's communication is built around two primary interfaces: the in-app chat in the Wellthplan app and text messaging over SMS, RCS, iMessage, and WhatsApp. By using the channels you already know and love, we make financial conversations feel natural and accessible on both iPhone and Android.

Why Text Messaging?

Universal Accessibility: Everyone knows how to send and receive text messages
Familiar Interface: No learning curve - you already use these apps daily
Real-Time Communication: Instant delivery and responses for urgent financial matters
Cross-Platform: Works on iPhone, Android, and web — SMS, RCS, iMessage, and WhatsApp

Key Benefits

AI-Powered Language: Simple, relatable explanations instead of financial jargon
In-App & Text: Chat with Finn in the Wellthplan app or via your favorite messaging platform
Native Text Experience: iMessage (iPhone/iPad), SMS, RCS, and WhatsApp (iPhone and Android)
Visual Content: Charts and graphs delivered right in your messages

In-App Chat

You can chat with Finn directly inside the Wellthplan app — no text messaging required. Open the app, tap the chat icon, and start a conversation about your finances. In-app chat supports the same AI-powered responses, spending insights, and financial guidance that you get via text, all within a dedicated chat experience.

Always Available: Chat with Finn anytime from the Wellthplan app on your phone or the web
Full Feature Access: Get spending summaries, ask questions, and manage your finances in one place
Conversation History: Your full chat history is saved and searchable in the app
Rich Media: View charts, graphs, and visual breakdowns inline

Text Messaging

iMessage Integration

Finn works seamlessly with Apple's iMessage platform, providing a native messaging experience for iPhone and iPad users:

Rich Media Support: Send charts, graphs, and visual financial insights
Message Effects: Use iMessage effects to make financial celebrations more engaging
Read Receipts: Know when your financial insights have been reviewed
Typing Indicators: See when Finn is preparing a response

SMS Support

For maximum compatibility, Finn also supports traditional SMS messaging:

Universal Access: Works on any phone that can send text messages
No App Required: Uses your phone's built-in messaging app
Cross-Platform: Works between iPhone and Android users
Reliable Delivery: SMS ensures your financial insights reach you anywhere

Finn supports WhatsApp so you can get financial insights and chat with Finn from the app you use every day — on both Android and iPhone.

Familiar Interface: Use WhatsApp on your phone; no separate app to learn
Android & iPhone: Full support on Android devices and iPhones
Rich Messages: Receive charts, summaries, and alerts in your WhatsApp chat
Group Chats: Include family or partners in WhatsApp groups for shared financial updates
Reliable Delivery: Get notifications and replies through WhatsApp's delivery system

Why WhatsApp?
Many people already use WhatsApp for daily conversations. Finn meets you there so you can check on your finances, ask questions, and get alerts without switching apps — whether you're on Android or iPhone.

RCS

Finn supports RCS (Rich Communication Services) so you can get a richer messaging experience in your default messaging app — especially on Android and on carriers that support RCS.

Rich experience: Read receipts, typing indicators, and support for images and other media in the same thread as your conversation with Finn
Native messaging: Often works in your phone's built-in Messages app where RCS is enabled (e.g. Google Messages, Samsung Messages, or carrier apps)
Android & carriers: Widely supported on Android; availability on iPhone depends on carrier and Apple's RCS support
Better than SMS: When RCS is available, you get delivery confirmation and a more interactive experience without installing a separate app

What is RCS?
RCS is the modern standard that upgrades traditional SMS with features like read receipts, typing indicators, and rich media. Finn uses it where your carrier and device support it so you can have a smoother, more informative conversation about your finances.

Message Features

Smart Notifications: Get alerts for important financial events
Scheduled Messages: Receive regular financial updates at your preferred times
Quick Replies: Respond to Finn's questions with simple text responses
Message History: Access your entire financial conversation history
Search Functionality: Find specific financial insights or discussions

Individual Messaging

Personal Financial Insights

Finn provides personalized financial communication directly to your phone:

Daily Updates

Spending alerts and updates
Account balance updates
Transaction confirmations

Weekly Summaries

Spending summaries
Goal progress updates
Spending pattern analysis

Monthly Check-ins

Monthly spending summaries
Budget vs. actual breakdowns

On-Demand Insights

Ask questions about your finances anytime
Get explanations for complex transactions
Request specific financial calculations
Receive guidance on financial decisions

Conversation Flow

Finn Initiates: AI sends proactive insights based on your financial activity
You Respond: Ask follow-up questions or request clarification
Interactive Dialogue: Finn provides detailed explanations and guidance
Action Items: Receive clear next steps for improving your financial situation

Privacy & Control

Personal Only: Your individual messages are private and secure
Customizable Frequency: Choose how often you receive updates
Do Not Disturb: Set quiet hours for financial notifications
Message Preferences: Control what types of insights you receive

Message Types

Finn sends different types of messages to keep you informed and engaged with your financial life:

Financial Insights

Transaction Alerts

Real-time notifications for significant spending
Unusual activity detection and alerts
Income notifications and paycheck confirmations
Bill payment reminders and confirmations

Account Updates

Daily balance summaries
Weekly account activity reports
Monthly financial health check-ins
Goal progress updates and celebrations

Interactive Messages

Question & Answer

"Ask Finn anything" about your finances
Clarification requests for complex transactions
Financial planning consultations via text
Goal-setting conversations and guidance

Getting Started

Setting Up Communication

You can start chatting with Finn right away in the Wellthplan app. To also receive messages via text:

Connect Your Phone: Provide your phone number during Finn account setup
Verify Contact: Confirm your number through SMS verification
Choose Platform: Select iMessage (iPhone/iPad), WhatsApp (Android or iPhone), RCS (supported Android/carriers), or SMS for messaging
Set Preferences: Configure notification frequency and message types
Start Receiving: Begin getting personalized financial insights via text

What You'll Need

Wellthplan Account: Sign up at wellthplan.com or in the Wellthplan app
Phone Number (for text): Active mobile number for SMS, RCS, iMessage, or WhatsApp (iPhone or Android)
Connected Accounts: Bank accounts or financial institutions linked to Finn
Notification Permissions: Allow Finn to send you text messages

First Messages

Once set up, Finn will send you:

Welcome Message: Introduction to Finn's communication style
Account Summary: Overview of your connected financial accounts
Goal Setting: Initial conversation about your financial objectives
Daily Briefing: Your first personalized financial update

Best Practices

Text Messaging Best Practices

Message Management

Keep Messages Short: Finn sends concise, actionable insights that are easy to read on mobile
Respond Promptly: Quick responses help Finn understand your preferences better
Use Emojis: Feel free to use emojis in your responses - Finn understands and uses them too
Save Important Messages: Bookmark key financial insights for future reference

Individual Messaging

Personal Engagement

Ask Follow-Up Questions: Don't hesitate to ask for clarification or more details
Share Context: Provide additional information about your financial goals and concerns
Set Preferences: Use text commands to customize your notification frequency and types
Use Voice-to-Text: Dictate longer responses for complex financial questions

Making Communication Effective

Engagement Strategies

Be Responsive: Regular interaction with Finn improves the quality of insights
Provide Feedback: Let Finn know when insights are helpful or need adjustment
Stay Consistent: Regular engagement leads to better personalized recommendations
Take Action: Follow through on Finn's text-based recommendations to see progress

Privacy and Security

Protect Your Phone: Use screen locks and biometric authentication
Be Mindful of Screenshots: Avoid sharing sensitive financial information in group chats
Use Secure Networks: Ensure you're on secure WiFi when discussing finances
Regular Updates: Keep your phone's messaging apps updated for security

Chat with Finn in the Wellthplan app or via SMS, RCS, iMessage, and WhatsApp on iPhone and Android — stay on top of your finances from the tools you already use.