THE DATA BEHIND THE ANSWER

Your finances live in many places. Your answer shouldn't.

Connect the accounts you use, add what cannot be linked, and let Ask Linc bring in the rates, markets, property data, and planning history that matter for the question in front of you.

See how Linc reaches an answer
YOUR FINANCIAL ECOSYSTEMCONNECTED AROUND THE QUESTION
YOUR MONEYCash flowYOUR MONEYInvestmentsYOUR LIFEPropertyYour questionOnly the useful contextOUTSIDE CONTEXTRates + economyOUTSIDE CONTEXTWhat is currentPLANNING CONTEXTMarket history
THE RESULTOne answer that understands how the pieces affect each other.
READ-ONLY CONNECTIONSLinc cannot move your moneyYOUR CHOICEConnect, add, or disconnect dataRELEVANT CONTEXTOnly what the question needsSOURCE DATESFreshness stays visible

START WITH YOUR FINANCIAL PICTURE

Connect the accounts. Add the rest.

Linc can work across the everyday, long-term, and harder-to-connect parts of your finances—so a decision does not get reduced to one balance or one account.

01 / BANKING + BORROWINGConnected with Plaid · manual accounts supported

Cash flow, cards, and loans

Bring checking, savings, credit cards, loans, and other balances into one view of the money moving through your life.

Checking + savingsCredit cardsLoans + debtManual balances
WHAT LINC CAN UNDERSTAND
  • Balances and available cash
  • Transactions, merchants, and spending categories
  • Month-by-month income, expenses, and cash flow
“Where is our spending drifting—and what can we safely commit to next?”
02 / INVESTMENTSConnected with SnapTrade · enriched by FMP + Tiingo

Your portfolio, looked through

See brokerage accounts, investment positions, and cash alongside the details that make those holdings meaningful to a plan.

Brokerage accountsRetirement accountsPositions + cashFunds + ETFs
WHAT LINC CAN UNDERSTAND
  • Allocation and concentration across holdings
  • Fund fees plus sector and country exposure
  • Current quotes and recent holding performance
“Am I taking more risk—or paying more in fund fees—than my plan needs?”
03 / PROPERTY + THE RESTProperty estimates from RentCast · add other assets manually

The parts that do not live at a bank

Round out net worth with a home value and the accounts or assets that cannot be linked automatically.

Primary homeOther propertyCash on handOther assets
WHAT LINC CAN UNDERSTAND
  • A dated home-value estimate and 85% range
  • A property match informed by comparable homes
  • How manually added balances affect net worth and goals
“What does this home decision do to our cash, net worth, and retirement plan?”

THEN ADD THE WORLD AROUND IT

Outside context, when it can change the decision.

Your accounts explain where you are. Rates, markets, current evidence, and long-run history help explain the environment you are making the decision in.

01Federal Reserve data · Massive

Rates and borrowing costs

Mortgage, credit-card, CD, Treasury, and policy-rate benchmarks help Linc compare your choices with the wider rate environment.

Useful for refinancing, debt payoff, saving, and home-buying questions.
02Tiingo · FMP · market news

Markets and the investments you own

Quotes, adjusted price history, fund details, and holding-linked news add current context without replacing the balances reported by your accounts.

Useful for performance, concentration, fees, and portfolio-risk questions.
03Kenneth French · Robert Shiller

Long-run planning history

Source-backed histories for U.S. and international stocks, government bonds, Treasury bills, and inflation support retirement stress tests.

Useful for testing a plan across many real market environments—not one invented forecast.
04Focused web sources · dated financial news

Current public evidence

When a question depends on a changing rule, limit, rate, or current event, Linc can bring in focused public information with its source date.

Useful when the right answer depends on what is true now.

CONTEXT WITH A PURPOSELinc does not pile every available data point into every answer. It selects the facts that can materially change the recommendation.

THE COMPLETE SOURCE LIST

Every integration, and the question it can help answer.

These are the active sources that can contribute to your financial picture or add relevant outside context. Linc uses only the sources and details that matter for the question you ask.

Ask Linc integrations, the financial data used from each source, and example questions
IntegrationWhat Ask Linc usesExample question
PlaidAccounts + cash flow
  • Connected account names and types
  • Balances, available cash, credit limits, and currency
  • Transactions, merchants, categories, dates, and pending status
  • Investment holdings and market values when supported
“How much is in checking versus savings, and why were our expenses higher last month?”
SnapTradeBrokerage connections
  • Brokerage and retirement account balances
  • Positions, quantities, prices, and market values
  • Cash held inside investment accounts
  • Security names, types, and ticker symbols
“What percentage of my portfolio is in NVDA, and how much cash is sitting uninvested?”
Financial Modeling PrepFund details
  • Fund name, type, asset class, and geographic focus
  • Expense ratios
  • Country allocation weights
  • Sector allocation weights
“How exposed is my portfolio to technology or Japan, and what am I paying in fund fees?”
TiingoPrices + market news
  • Current quotes and previous closes for connected holdings
  • Adjusted price history and recent returns
  • Broad-market quotes
  • Ticker-linked financial news
“How have my largest holdings performed recently, and what news could affect them?”
FREDRates + the economy
  • Inflation, unemployment, and the federal funds rate
  • Mortgage and credit-card rate benchmarks
  • 10-year Treasury yields
  • National 12-month CD rates
“Is my mortgage rate competitive, and how should today’s rate environment affect my cash plan?”
Kenneth French Data LibraryLong-run market history
  • Broad U.S. stock-market returns
  • Developed international stock-market returns
  • One-month U.S. Treasury-bill returns
  • Monthly histories used in retirement stress tests
“How would my retirement plan have held up across many past stock-market environments?”
Robert ShillerBonds + inflation history
  • Historical 10-year U.S. government-bond returns
  • Monthly consumer-price inflation
  • Long-run bond and inflation history aligned with market returns
“What happens to my retirement plan when inflation is high and markets are under pressure?”
MassiveYield curve + expectations
  • U.S. Treasury yields across short- and long-term maturities
  • Market and model-based inflation expectations
  • Broad-market closing data when another quote is unavailable
“What does the shape of the yield curve imply, and what inflation is the market expecting?”
Brave SearchCurrent public evidence
  • Question-specific public search results
  • Current financial rules, limits, rates, and news
  • Source links, publication dates, and relevant excerpts
“What is the current IRA contribution limit, and have any rules changed since last year?”
RentCastHome valuation
  • Estimated property value
  • An 85% low-to-high estimate range
  • A standardized address and validated property match
  • Comparable-home information used to produce the estimate
“What is my home worth, how uncertain is that estimate, and what does it mean for my net worth?”

Availability depends on what you connect, the information each institution supports, and what the question requires. Source dates and meaningful uncertainty stay attached to the answer.

WHY THE BREADTH MATTERS

Real questions cross account boundaries.

A financial decision rarely belongs to one category. The useful answer comes from seeing the tradeoffs between cash, debt, investments, property, goals, and outside conditions.

01 / HOME

“Can we afford a $700K home without pausing retirement savings?”

LINC CAN CONNECTCashSpendingMortgage ratesProperty valueRetirement
02 / CASH FLOW

“Why were our expenses higher last month—and is it becoming a pattern?”

LINC CAN CONNECTTransactionsMerchantsIncomeMonthly totalsCash reserve
03 / PORTFOLIO

“How concentrated are we after looking through the funds we own?”

LINC CAN CONNECTPositionsFund exposureAllocationFeesCurrent prices
04 / RETIREMENT

“What would let us retire two years sooner without making the plan fragile?”

LINC CAN CONNECTSavingsSpendingAsset mixInflationMarket history

FROM QUESTION TO ANSWER

The ecosystem stays behind the scenes. The reasoning stays visible.

  1. 01Start with your question

    Ask in plain language. The decision—not the data source—sets the direction.

  2. 02Use your relevant picture

    Linc starts with connected balances, cash flow, investments, property, goals, and other details that can change the answer.

  3. 03Add outside context when it matters

    Rates, markets, current evidence, or long-run history join the analysis only when they are useful for the decision.

  4. 04Show the conclusion and the work

    The recommendation keeps the important inputs, assumptions, calculations, source dates, and uncertainty visible.

YOUR DATA, YOUR CONTROLAccount connections are read-only. You decide what to connect, and your financial data is never used to train AI models.
See how your data is protected →

TRY IT WITH YOUR OWN NUMBERS

Bring the whole picture to your next financial question.