the financial benefit
a wealth manager,
without the wealth.
Pilar gives every one of your employees the knowledge, tools and insights to be their own private wealth manager.
They get a clear view of their money. You get a workforce that stays focused. Paid by you, private from you.
the problem
money is the top cause of stress at work and at home.
And no one is really solving it.
for your organization
You know financial stress is costing you — in focus, retention, and morale.
But every "solution" is a course they forget,
an app that feels dated,
a boring blog,
a payday loan pretending to be a benefit.
So you do nothing.
And the stress compounds.
for your people
They know they should be doing something about their money. They just don't know what.
Their bank sells them products.
They never learnt it at school, at home or at university.
Spreadsheets die by month two.
Wealth managers are for the 1%.
So they do nothing.
And the stress compounds.
this is why we built pilar.
the product
Below is what your employees actually see inside Pilar. Three phases turn financial knowledge first into action and then into a lifelong habit — learn,
set up, track. Scroll to explore the three.
1. learn
2. setup
3. track
A course
10
chapters
the basics you were never taught.
Written by CFA® charterholders.
Reviewed by academics.
Chapter 04
pensions
In this chapter you'll learn:
- –how much will you need?
- –public, private or employer
- –how do you pick one?
The answers you need
Your portfolio
Transactions review
financial wellbeing
You are on average saving
0%
vs the median in your age and salary group saving 27%
Your assets in 10 years
money flow
for employers
Pilar gives you a quarterly report so you can understand how the benefit is being used and measure the impact it has on your teams.
you see
Wellbeing trends
average wellbeing score, change in savings, first-time contributions to pension or investment funds
Aggregate engagement
% of monthly active employees, average sessions per month, course completion
Anonymous NPS
how employees rate the benefit, or the net promoter score
Peer analysis
your firm's aggregate wellbeing benchmarked against similar peers
Activation
% of employees who logged in
you don't see
any individual data. ever.
Pilar will never show you which employee is participating, let alone see any insight into their financial life. You will never get any breakdown by name, by role, by department or by any identifier.
the evidence
AI hallucinates.
We think your financial plan should not.
Designed by professionals
Every formula Pilar uses is built and reviewed by professional financial investors who are CFA® charterholders. Every single calculation is deterministic, which means you can understand where each number comes from. Every chapter is written by finance professionals and reviewed by academics. This isn't a limitation. It's a choice.
Pilar shows you the data and teaches you how to read it. The decision stays yours.
Tested with real users
Every design decision comes from what we've watched real users actually do. In private beta, users who had never invested, opened their first brokerage account within three months. Users who had never contributed to a pension made their first contribution. Users who dreaded checking their bank account started looking forward to their monthly review.
We're now expanding these results into structured research partnerships with academic institutions in Europe.
Independent by structure, not by promise
Your employer pays one flat fee per employee. Pilar takes no commissions from any bank, broker, insurer, or fund. Pilar sells no affiliate products, and never your data. Every piece of education, every insight, every number you see was chosen for one reason: it's what we use ourselves.
early users
what beta users are telling us.
We've been in private beta since May 2026. These are some of the reactions we didn't script.
"I've been telling my whole family: why have you never invested before? Haven't you heard about compounding?"
Lena
kindergarten teacher, Germany
"How did I not know this before? How do we never get taught this?"
Sanne
pharma sales, Netherlands
"I was scared to open my bank account before. Now I'm actually looking forward to my end-of-month statement."
Javier
ophthalmologist, Spain
"This is exactly what my wife and I need to decide what mortgage we can afford. When can we sign up?"
Rudi
overheard after seeing the product, Austria
the pilar pledge
financial wellbeing beyond your workforce
If you run an NGO that works with adults in underserved communities across Europe, we want to hear from you. We're looking for partners to build tailored curricula and receive free Pilar subscriptions for the people you serve.
or email us at [email protected]
Free access
7% of Pilar subscriptions given for free to adults in underserved communities across Europe. Distributed through NGO partners building financial capacity in low-income neighbourhoods.
Team hours
7% of the Pilar team's working time dedicated to teaching financial education in-person to those same communities. The founders included.
Direct funding
7% of Pilar's annual profits donated to NGOs working on adult financial education in Europe. Reported publicly, every year.
Signed on 1 October 2026, and updated annually.
about
why pilar exists.
Pilar is born out of hard conversations: friends losing half their savings on a triple-leverage ETF a finfluencer recommended. Friends worrying about their pensions and not knowing where to start. Our parents' generation asking us how to invest their savings for the first time, or what to do with an inheritance they weren't ready for. Our grandparents being mis-sold funds they didn't understand and didn't need, paying 5% in annual fees. My own grandmother signing a personal credit at over 18% APR to pay for a small home reform.
These are difficult conversations we've all had over the last few years. Every one of them shares the same root: educated, capable adults who were never taught how any of this actually works.
I worked for ten years at Morgan Stanley and JPMorgan trading credit markets, and spent an hour every weekend tracking my own finances in a spreadsheet. About a year ago I realized how many of my friends had quietly been asking me for help - which ETF is better, what to do with a year-end bonus, whether to rent or buy. They were surprisingly open about their money worries. And surprisingly lost about where to get answers.
Pilar means "pillar" in Spanish and they represent the building blocks I want to share so anyone can set their own foundation in personal finance and build their own strategy on top.
But Pilar was also the name of my late grandmother, an innate entepreneur who, without knowing it, lit the spark for this endeavour.
book a meeting
learn once.
setup confidently.
track for life.
for employers
ready to bring pilar to your team?