Liney Arnorsdottir

A big day for Cleo today... we're announcing three major updates: 1. We just launched Autopilot. Your money now drives itself. It's Cleo rebuilt for action, not just answers. Autopilot is autonomous financial intelligence that learns your patterns, predicts what's coming, and acts in real time. It handles the micro-decisions that drain your mental energy and transforms them into effortless wins. Here's how it works: - Roadmap: Cleo builds a custom plan based on your full financial picture and long-term goals. - Daily Plan: She keeps you on track with guidance that updates daily and adapts as life changes. - Actions: Today, Cleo recommends the next best moves to keep you progressing. Tomorrow, she'll take them for you. 2. We're launching back in the UK as of today. We left six years ago to win the most competitive consumer market in the world. We did. Now we're serving millions of users every week, with clear number-one positioning as the AI agent for finance. It's time to turn our focus back to what we set out to do almost 10 years ago - to become the most trusted and loved relationship in financial services for a billion people. We're thrilled to be home. Investing here, creating thousands more jobs, and building a product people love. This is the first step of many on our journey of international expansion. 3. And one more: we hit $350M ARR - ~2x YoY growth - while maintaining a firm grasp on profitability. The business is flying and we're hiring like crazy. Come build the future of money with us.

Money never sleeps. And neither does Cleo. We’re too busy making moves. And today we made two big ones: we launched self-driving money with Autopilot, and we also launched ourselves back to the UK. Again. Here’s a look at what’s new: 1. Autopilot turns money insights into automated money moves. Autopilot doesn’t just analyze your money history. It anticipates the future, breaks big-picture goals into daily guidance, and takes action on your behalf to boost progress. 2. Plans that adjust in real-time.
 Say bye to static budget plans. Autopilot recalculates automatically as spending shifts. 3. Built for autonomy.
 Autopilot’s powered by a multi-agent architecture, advanced transaction enrichment, adaptive planning models, and continuous learning. Capabilities scale, while accuracy and effectiveness improves. 4. Better spending today, endless possibilities next. Today Autopilot can prevent overdrafts, suggest merchants to block based on your spending habits, and remind you to cancel unused subscriptions. In 2026 we’ll add dozens of new goals and actions, like automatic bill negotiation and insurance optimization. 5. And more big news. Cleo’s back in the UK. $350 million ARR, 5 billion messages, and 4 trillion transactions later, and nowhere to grow but bigger. Check out Autopilot here: bit.ly/49YGC0F, and join the UK waitlist below. So yeah, it’s already been a huge year—and we’re just getting started.

🚨 Annual report drop 🚨 • 2024: $136M revenue • Today: $250M+ ARR • Profitable ✅ $500M ARR is around the corner. So, London or NYC for the IPO?

@Barney_H_Y It better be NYC!!

What does the future look like? Brighter. Warmer. More human. Meet (the new) Cleo.

Another webinar is coming your way Aug. 14th 📡 Don't miss @DreNader and @maladham discuss how direct indexing is particularly useful for diversifying concentrated positions in a tax-efficient way.

We love to see smart people discussing direct indexing. @Invested_In_You, well said.

“It’s investing in a manner where you capture the performance of an index but at the same time generate capital losses that can be used to offset capital gains anywhere in your portfolio - is that a good one sentence summary?” Yes, @enriqueabeyta it is! @maladham on HX pod 👇👇

Or you can move it to Frec at lower fees for both products

The fascinating evolution of passive investing from mutual funds -> ETFs -> Direct Indexing. The future is upon us 🚀 frec.com/resources/blog…

Join us at SF HQ for a fireside chat with Meta's VP of GenAI, @Ahmad_Al_Dahle on Thursday, May 30th. We plan to ask Ahmad for his perspective on the speed and growth of gen AI and LLMs and how they might transform the financial services sector. There are still a number of spots available. If you would like to join, send us a DM and we'll get you on the list.

You don't need a financial advisor to direct index. We do it for you automatically & transparently at a low 0.10% fee. Pick from four indices; only $20k to get started instead of $100k+.

Great article on direct indexing: "The bar to enter got even lower with Frec, which recently launched a direct-to-consumer direct indexing product that tracks S&P indices with a $20,000 minimum and 0.1% in fees a year."

We recently spoke to some of our customers to hear their stories. Among them is Richard, a former hedge fund manager who Frec joined after taking a deep dive into our whitepapers. Find out why 👇 frec.com/resources/blog…

We're joining our friends @austinhankwitz and @realrobertcroak from the Rich Habits podcast for a webinar & live discussion on Direct Indexing happening on April 24th. Sign up here 👇👇 crowdcast.io/c/directindexi…

Hot of the presses. The Direct Indexing Handbook breaks down answers to your top questions in a digestible way. - The mechanics and underlying algorithms. - How tax losses turn into tax savings. - Advantages over ETFs. - Safety & security. 👇👇 frec.com/resources/blog…

Feature alert 🚨 You can now add multiple direct indices to your Frec portfolio. Currently, we offer S&P500 and S&P 500 Info Tech. Stay tuned for more investment options on the way, including small-caps, mid-caps, and international. Get started at Frec.com.

Just taking dem babies to the doctor. Sheep brings two lambs into Eskifjörður healthcare centre - Iceland Monitor: icelandmonitor.mbl.is/news/nature_an… via @IcelandMonitor

Sending some good juju out into the universe.

Waking up in LA to a lot of crazy news...