DIY (Do-It-Yourself) financial planning means you're in control. You choose where to start—budgeting, saving, investing, or beyond—and work through your plan at your own pace. KURICO gives you the structure, tools, and expert support by CFP® professional to make progress without pressure or sales.

KURICO is not a product-driven platform. Unlike many free planning services that are designed to sell you financial products, KURICO exists solely to help you build a plan that fits your life and goals.

We charge a reasonable subscription fee because you're paying for real value: CFP®-backed guidance, smart AI-powered tools, and a planning experience that puts you—not sales—at the center.

There's no pressure, no commissions—just clear, unbiased support when and how you need it.

Not at all. KURICO is built for people of all experience levels—even if you're starting from zero. We explain things in simple terms and walk you through each step so you can build confidence along the way.

You’ll get a secure DIY planning dashboard, unlimited chatbot support, and access to CFP®-backed guidance for every financial area you want to explore—like cash flow, emergency funds, savings goals, and more. You can also connect one-on-one with a professional if and when you want.

Yes. While KURICO is designed for self-paced planning, one-on-one guidance from a CERTIFIED FINANCIAL PLANNER® professional is available anytime you want deeper support or personalized insight.

You can move on to the next area of your plan—or take a break. Many users pause their subscription once a project is complete and return when they’re ready to tackle the next goal. Your account stays active and your progress is always saved.

Yes—your information is secure and private. You only share what you're comfortable with, and KURICO does not require you to link accounts or upload documents to begin. We use trusted platforms and keep your data confidential at every step.

No. KURICO is designed to be accessible regardless of your current financial situation. Whether you’re just starting out or ready to optimize, KURICO meets you where you are.

Budgeting is just one piece of your financial picture. KURICO helps you go deeper—connecting your numbers to your goals, priorities, and long-term plan. It’s a complete system, guided by a CFP® professional, to help you move beyond budgeting and build real momentum.

Absolutely. KURICO is built for busy people. You can log in anytime, do a little at a time, and pick up where you left off. Whether you’ve got 10 minutes or an hour, every step counts—and you set the pace. And if life gets overwhelming, you can pause your subscription anytime and return when you're ready. Your progress will always be saved.

No. KURICO is not product-driven. Our focus is always on planning—not selling.

During your planning journey, or while reviewing an existing insurance policy, you may realize you need coverage—or a better option. If that happens, a CERTIFIED FINANCIAL PLANNER® professional at KURICO can help you evaluate your needs.

If appropriate, they may offer a solution or refer you to a trusted, vetted insurance professional who fits your situation. This only happens if you ask or if the need clearly supports your goals.

You’re always in control—and the advice comes first.

Your KURICO client portal remains accessible even after you pause or cancel your subscription, so you can view your past progress anytime.

We keep your portal and data securely stored so you can easily return and pick up where you left off. If you’d like your client portal and its information permanently deleted, simply send us a request, and we’ll handle it for you.