A SkaiPilot product · Now in private beta

Your money.
Understood. Managed. Protected.

Wealthy families have a CFO, an advisor, and an insurance pro watching their money. Wren brings that team to everyone else — connecting to your accounts, surfacing what's quietly costing you, and executing the fixes you approve.

Join the private beta See how it works

You decide. Wren executes. Every action reversible We never sell your data

Good morning, Alex Private beta

73 / 100

Protection Score · sample household

Mobile plan overcharge
Rate increased at renewal $480/yr

401(k) match gap
Employer matches more $1,800/yr

Approve Skip

Illustrative interface. Wren proposes — you decide. Figures are examples, not a guarantee of savings.

Why Wren

It's not bad decisions. It's no one watching.

Middle-class households earning $60K–$180K lose hundreds to thousands of dollars a year — to auto-renewals, coverage gaps, unclaimed benefits, and subscriptions that quietly multiply.

The weight you carry alone

Telecom plans creep up. Insurance is never re-shopped. Employer benefits go partly unclaimed. Debt sits structured the expensive way. Reviewing it all has been on your list for two years — because there's never time, and every financial product feels like it's selling something.

The team you finally have

Wren connects to your financial life, runs AI agents across it, and surfaces opportunities ranked by real dollar impact. Then it handles the ones you approve — and everything stays reversible.

You = CEO · you decide Wren = CFO · executes with permission

How it works

Two presses from problem to handled

No dashboards to babysit. Wren comes to you with one clear finding at a time — and never acts without your tap.

Step 1

Connect

Securely link your accounts through Plaid. Wren sees what's really happening — not just what you think is.

Step 2

Analyze

AI agents score your household across five dimensions and find money that's leaking or being left behind.

Step 3

Surface

Opportunities are ranked by dollar impact and shown in plain language — what it is, what it's worth, what Wren can do.

Step 4

Approve

Two presses and Wren executes the fix. Always with your permission. Always reversible.

What Wren does

One team for your whole financial life

Wren organizes around your life, not product categories — and only acts inside what it's licensed and permitted to do.

Bill negotiation

Wren spots overpaid internet, phone, streaming, and subscriptions, then negotiates on your behalf — after you approve the attempt.

Acts as your authorized agent

Benefits optimization

Decodes your employer benefits and helps you capture what's yours — 401(k) match, HSA/FSA room, life and disability elections.

Educational guidance

Proactive alerts

Surfaces unclaimed property, duplicate charges, price hikes, refunds owed, and renewal windows before they cost you.

You confirm before any action

Debt architecture

Builds an optimized paydown plan across your debts — and only suggests redirecting money once it's already found the funding.

General financial education

Insurance optimization

Professional-grade coverage review across auto, home, life, and more — checking for gaps, overlaps, and better rates as your life changes.

Through a licensed agent of record

Local services network

When something needs a licensed pro Wren doesn't hold, it makes a warm introduction to a vetted local expert. No sponsored listings, ever.

Quality over pay-to-play

Built on earned trust

Wren proposes. You dispose.

The whole product is structured around a single principle: nothing happens to your money without your tap.

You decide, we execute

Every recommended action waits for your approval — and stays reversible. Tax and investment moves always ask first.

Backed by a real license

A human, all-lines-licensed agent of record stands behind every insurance action — not an anonymous algorithm.

Nothing hidden

Transparent commissions, transparent data use, and plain-language explanations for every finding. We never sell your data.

Your family, not just you

The Family & Friends layer is free, always. Bring the people you care about into a clearer picture together.

Plans

Start free. Grow into the full CFO.

Wren is rolling out through a private, hands-on beta. Join the waitlist to reserve your spot — pricing below reflects the planned tiers at launch.

Family & Friends

Free

always

Bring your people into a shared, clearer financial picture.

Shared household view
Never paywalled

Join waitlist

Visibility

$0.99/mo

the hook

Account aggregation and your Protection Score.

All accounts in one place
Protection Score & insights

Join waitlist

Join the private beta

We're onboarding a small number of households personally. Tell us where to reach you and we'll be in touch.

First name *

Last name *

Email *

State *

Where Wren's insurance features are live today: Arizona, California, Georgia, Illinois, Indiana, Kentucky, Missouri, Nevada, North Carolina, Ohio, Texas, and Wisconsin.

Don't see your state? Join anyway. We're expanding state by state based on where interest is strongest, and we keep this list current as new licenses are approved — we'll let you know the moment Wren reaches you.

I'm 18 or older and agree that Wren (Holy Metal Solutions, LLC) may contact me about the beta by email. I can opt out anytime. See the Privacy Notice. *

No credit card. No spam. Wren is not a financial advisor and does not provide financial, investment, tax, or legal advice.

Questions

Good to know

Is Wren financial advice?

No. Wren is not a financial advisor and does not provide financial, investment, tax, or legal advice. It surfaces observations about your own money and executes actions you choose to approve. For investment, tax, estate, or legal decisions, Wren can introduce you to qualified, licensed local professionals.

Does Wren move my money or act on its own?

Wren proposes; you decide. Every action requires your explicit approval and is designed to be reversible. Tax and investment matters always ask first and are never automated.

How is my data handled?

Accounts connect through Plaid, and your data is used only for the purposes you authorize. We never sell your data. You can request access, correction, or deletion. A full privacy notice is provided before you connect any account.

Am I really talking to AI?

Yes. Wren uses AI agents to analyze your financial data and surface findings, and it will tell you when you're interacting with an automated system. Insurance actions are reviewed by a licensed human agent of record.

Where is Wren available?

Wren is launching as a private, concierge beta to a limited group of households. Insurance features are offered only in states where Wren's agent of record is licensed. Join the waitlist and we'll let you know when we reach your area.

How does Wren make money?

Through transparent subscriptions and, for insurance policies placed, standard agent commissions — always disclosed to you before any policy decision. There are no sponsored listings or pay-to-play referrals.

You've been carrying this. Let Wren help hold it.

Reserve your place in the private beta and be among the first households Wren looks after.

Join the waitlist

Your money. Understood. Managed. Protected.