Background Paths
Background Paths
Built by a Canadian financial advisor

Built for less financial stress.
A calmer financial life.

Simple, AI-powered tools that put you back in control of your money. No spreadsheets. No end-of-month dread.

First 200 get 1 month free Bank-level encryption Built for Canada
Early Access
Limited

1 month free for the first 200 users

Full access to Starter or Pro for 30 days. Your card is saved securely — you won't be charged until your trial ends.

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The real problem

Good income. Weak liquidity. Constant pressure.

You're not bad with money. The system just wasn't built to give you control on a daily basis.

78%of take-home committed

Where does your hard-earned money disappear?

You earn a comfortable income, yet your bank account is constantly stretched thin. The truth is, 78% of your take-home pay is locked in or drained before you get a chance to breathe. Between unavoidable fixed costs, autopilot spending habits, unnecessary purchases, and life's sudden curveballs, your budget is completely saturated. You are working hard, but your day-to-day lifestyle leaves you with very little breathing room.

4x/yearyou meet your advisor

Decisions happen daily

You make financial decisions every day. Your advisor sees you four times a year. In between, you face every question and challenge alone. That's where plans and financial goals start to fall apart.

24/7by your side

The ally who keeps you aligned

LIAM is the financial assistant aligned with your long-term goals — making sure your daily decisions stay coherent with your vision. When the unexpected hits, LIAM helps you pick the choice that impacts your plan the least.

Our story

The Gap Between the Plan and Real Life: The Birth of LIAM

The financial industry knows how to build plans for hundreds of Canadians. On paper, everything is often perfect: solid strategies, precise recommendations, and encouraging charts. Yet, reality shows that these plans fail, one after another.

The problem isn't the strategy; it's life.

The Invisible Weight of Daily Living

It is easy to leave a financial advisor's office feeling motivated, but reality quickly catches up. It's that tightening in your chest when the rent is due, that constant mental math as inflation eats away at the budget. On average, people see a traditional advisor four times a year. But our money lives with us every single second. Between appointments, financial decisions are often made "in the heat of the moment" — without a safety net, without context, and without a reminder of long-term goals.

It was in this gap — this grey area where people often feel alone and overwhelmed — that LIAM was born.

More Than a Budgeting App, an Ally

We didn't create just another budgeting app. Traditional tools only show you the past: they tell you what you've already spent, then leave you there to figure it out.

LIAM is the tool everyone should have in their hands every day. It doesn't just look backward; it anticipates, suggests, and explains. It is an empathetic and precise artificial intelligence that acts as a bridge between your intentions and your daily actions.

Human Technology, Protected

Because crucial decisions sometimes require a human touch, LIAM never leaves you alone: behind the AI, a Canadian advisor remains available for the moments that truly matter.

This relationship is built on absolute trust. At LIAM, privacy isn't an option; it is our foundation.

LIAM marks the end of managing finances in isolation. It is your constant ally, ensuring that for the first time, your financial plan finally survives real life.

What LIAM does

See the impact before you decide

AI that understands your whole financial picture — not just your balance.

Liquidity Dashboard

See your real breathing room — not just your balance. Track liquid cash vs. commitments in real time.

Available liquidity

$1,840 / $412k net worth

0.4% liquid — that's the real number

Decision Simulator

Before you spend, see what it costs your future. Simulate any purchase against your goals.

Buy $2,500 laptop today

TFSA goal delayed 6 weeks

Wait 3 weeks

All goals stay on track

Cash-Flow Optimization

LIAM finds money you didn't know you were losing — subscriptions, rate gaps, timing mismatches.

Unused subscriptions+$127/mo
Better savings rate+$47/mo
Payment timing fix+$89/mo

+$263/month found

How it works

Take back control in a few clicks.

Four steps. Clarity at last.

Coming Soon
1

Connect your accounts

Link your Canadian banks securely via Plaid. RBC, TD, BMO, Desjardins, Tangerine, and 200+ institutions.

256-bit encrypted · Read-only access

2

Upload your bank statements

Each time you receive your bank statement, upload it to LIAM. Discover your real money behaviour, identify where your liquidity is leaking, and get actionable guidance to strengthen your financial position.

Net worth vs. liquid cash

3

Simulate before you decide

Thinking about a big purchase? A trip? Paying off debt faster? See the impact on your goals before committing.

"What if I buy this now?"

4

Stay aligned, every day

LIAM watches your cash-flow and nudges you when a decision risks your plan. When a decision goes beyond your budget scope, you can request assistance through a virtual meeting with a qualified human advisor.

AI daily · Human when it matters

Made in Canada

Built for Canadian Citizens

Not a US app with a maple leaf sticker. Built around Canadian products, institutions, and regulations.

TFSA & RRSP Strategy

Maximize your registered accounts. Know your contribution room, optimize your tax bracket, time your deposits.

Bilingual Support

Use LIAM in English or French. Your finances, your language.

200+ Canadian Banks

Connect Desjardins, RBC, TD, BMO, Scotiabank, National Bank, Tangerine, and more via Plaid.

Core values

Built around what matters to you

Three principles that shape every line of code, every product decision, every conversation.

01

Financial truth

Numbers come from calculation, never from a guess. If data is missing, we say so. We don't fill in the blanks.

02

Human above the model

The AI proposes. You decide. For the decisions that matter most, a certified Canadian advisor stays in the loop.

03

Clarity before complexity

Every number and every chart on your dashboard explains itself in a sentence.

Security

Your data stays yours

Bank-level encryption. Canadian privacy standards. No data selling. Ever.

AES-256 Encryption

All data encrypted at rest and in transit with TLS 1.2+. Never stored in plain text.

You Own Your Data

Row-level security ensures only you access your data. Export or delete it anytime.

PIPEDA Compliant

Privacy-first approach. No third-party tracking, no data selling, no advertising cookies.

Pricing

Simple, transparent pricing

Start with 30 days free. Cancel anytime. No commitment.

Starter

$10CAD/month

or $99/year save 18%

Essential financial tracking to get organized.

  • Standard AI chat (40 messages/month)
  • Manual document upload
  • Budget overview
  • Spending behavior breakdown
Get Started

1 month free — Early Access

Most Popular

Pro

$39CAD/month

or $399/year save 15%

Full financial intelligence for professionals.

  • 40 AI credits/month
  • Recommendations & Strategy
  • Budget monitoring & alerts
  • Document analysis
  • Life project planning & execution
  • All Starter features
Start Pro

1 month free — Early Access

Coming Soon

Premium

$99CAD/month

or $1099/year save 7%

Advanced automation for high earners & investors.

  • Life-cycle financial planning
  • Proactive financial monitoring
  • Market opportunity detection
  • Insurance optimization
  • Financial automation (Autopilot)
  • Wealth management
  • All Pro features
Coming Soon

All prices in Canadian dollars (CAD). 30-day free trial on all plans. You'll be reminded 3 days before your first charge.

Compare all features

153 spots remaining

From overwhelmed to clear-eyed, one step at a time.

Your money, finally moving in the right direction. No jargon. No judgment.

First 200 users get 1 full month free on Starter or Pro.

Claim Your Free Month

No commitment · Cancel anytime · Reminder 3 days before charge