The AI research platform for financial advisors

What advisors use it for

• Research a stock, an ETF or the market in plain English, with dated quotes, charts and sources. Market research
• Prepare a client review: allocation against target, drift, concentration, tax-loss candidates, stress scenarios and a rebalance proposal. Client reviews
• Build a portfolio from an objective, risk tolerance, horizon and exclusions, with calculated weights and risk checks. Portfolio construction
• Run planning numbers: Roth conversions, RMDs, Social Security claiming, IRMAA, Monte Carlo projections and 2026 federal tax. Planning
• Draft client emails and explanations, then screen them for common FINRA and SEC communication-rule problems before they go out. Client communication
• Follow the money: what institutional managers hold in their quarterly 13F filings, a 20-filter stock screener, stock maps and the economy. Free tools

Why the numbers can be checked

A general chatbot can state a figure it never calculated. LunaTerminal gives the model a narrower job.

• Market data comes from named providers (Tradier, Yahoo Finance, Finnhub, Twelve Data, Tiingo, FRED, the U.S. Treasury and SEC 13F filings) and keeps its source and observation date.
• Planning figures come from tested calculators: federal tax with 2026 brackets, Roth conversion comparison, RMDs, Social Security, IRMAA, Monte Carlo, portfolio risk and crisis losses, fee impact and savings growth. The model calls them as tools and cannot change their results.
• Every dollar amount and percentage in an answer is traced to a calculation, a verified figure, the market data or your question. Answers list any figure that needs checking, and a Calculations used section shows each calculator's inputs and results.
• Chat stays on finance. Answers are medium length: the answer to your question with the key number, why it matters in dollars, then an offer to go into next steps, what would change the answer or the bigger market picture.

Who it is for

• Independent RIAs and solo advisors who want institutional-style research without a terminal contract.
• CFP professionals and planners preparing retirement, tax and Social Security conversations.
• Small advisory teams that want research, households and client communication in one place.
• Investors who want free stock pages, 13F data, a screener and economic data.

What LunaTerminal is not

• It does not place trades, move money or hold assets.
• It is not a CRM, a portfolio accounting system or a books-and-records archive. Export what your firm must keep.
• It has no SOC 2 report yet. The security page lists what is and is not in place.
• Market data can be delayed, and coverage depends on the providers.
• Answers are research for a professional to review, not personalized investment, tax or legal advice.

Start in under a minute

Open lunaterminal.com and ask a question. No account is needed for your first 5 AI prompts, and the Finance pages, 13F data, the screener and the retirement check-up are free to browse. A free account keeps chats, clients and portfolios in sync across devices. See pricing.