The financial fitness app that keeps your clients on track, guided by your strategies.
Great plans get forgotten between reviews. Rhumb keeps them alive every day: you set the goals, your clients track them, and you see who needs a nudge.
First two months free. No lock in. See pricing
Great plans, forgotten between reviews
You build a strong financial plan. Then life happens, and the plan sits in a drawer until the next annual review.
- 1Recommendations aren't followedClients often fail to follow through on their financial plan.
- 2Goals are forgottenFinancial goals slip out of mind between annual reviews.
- 3Engagement feels transactionalOngoing, meaningful communication is hard to sustain.
- 4Clients struggle to own their goalsTaking responsibility for progress is difficult on their own.
- 5Referrals are rareAdvisers aren't visible in their clients' day to day lives.
Advisers manage the money. Nobody manages the habits.
What practices cover today
What's missing
Rhumb fills the missing column. It sits alongside your existing tools and focuses purely on client behaviour between meetings.
A service that connects advisers and clients, every day
Rhumb is built for financial advisers. Advisers and clients create, manage and track financial goals together, in a meaningful and ongoing way. You stay in charge of the plan. Rhumb keeps it alive between reviews.
Turn financial goals into lasting financial habits through guidance, accountability and gamification.
Empower clients to own their financial journey while strengthening the adviser and client relationship.
To become the daily financial companion that connects advisers and clients.
From your strategy to better outcomes
You stay in charge of the plan. Rhumb keeps it alive between reviews.
Two connected tools
An online portal for you, and a mobile app for your clients. Everything you set in the portal shows up on your client's phone.
Dashboard
Your whole book at a glance
Invite clients, set their goals and see who needs attention, all from your browser.
- DashboardTotal, active and inactive clients, goals accomplished this month, and clients who need intervention.
- Invite clientsSend an invite and track pending invites. Clients can only join through your invitation.
- Set goals in minutesPersonalise every goal: total amount, frequency, amount per contribution, an end date or ongoing, and a nickname.
- Client progress PDFDownload a PDF of each client's progress, including a record of advice.
Your client's daily companion
A simple mobile app for iPhone and Android that puts your plan, and your name, in your client's pocket.
- You, front and centreYour details sit on the client's home page every time they open the app, with your contact details one tap away.
- Active goals with progressEvery goal shows a progress bar toward its target, grouped by weekly, monthly and quarterly so nothing is missed.
- One tap to log progress"Mark as Done" logs this period's contribution, with a dated history of every contribution.
- Clients can add their own goalsGrouped by the same planning areas you use. If a debit order is already in place, contributions can log themselves.
Every area of the financial plan, covered
Goals are organised by the same planning areas you already use with clients.
Plan the goals on paper, together
A three page worksheet covering every planning area, completed with your client in a review meeting.
- 1Client ticks the goals that matter right now.
- 2Choose how often, then fill in targets and contributions.
- 3Both sign it, and you set the goals up in Rhumb.
Celebrate progress, prompt the next step
Clients are congratulated as they hit milestones, and reminded before each contribution is due.
Why goal tracking works
Decades of behavioural finance research point the same way: when clients have a clear goal, see their progress and get the right nudges, their behaviour changes, and so does your book.
Goal reminders work
Bank clients reminded of their own named savings goal saved 16% more. Generic reminders did nothing.
Gamified tracking helps
Savers using a tracker with progress bars and badges got almost 20% closer to their goal than those using a plain one.
Trust keeps clients
Only 2% of clients who highly trust their adviser would likely switch, against 70% of low trust clients.
Sources: Karlan et al. (2016) Management Science; Hashim et al. (2021) Bayes Business School; Vanguard / Opinium adviser trust research. Full research brief available on request.
Better habits for clients, a bigger book for you
Client data stays between you and your client
Your clients trust you with their financial lives. Rhumb is built so that trust never has to stretch to anyone else.
Never shared
Client data is never sold, never shared with advertisers and never sent to anyone for their own use. No tracking or analytics tools in the app or the portal.
Locked down
A client can only see their own goals. You can only see your own clients. This is enforced inside the database itself, not just hidden on screen.
Encrypted
Every connection uses HTTPS/TLS and the database is encrypted at rest. Passwords are never stored in readable form, not even by Rhumb.
Where is the data stored?
In Supabase's data centre in the European Union (Ireland), encrypted at rest.
Who can see a client's goals?
Only that client and you, their adviser. Other advisers on Rhumb cannot.
Can Rhumb see passwords?
No. Passwords are stored as a one-way hash and cannot be read by anyone.
Do you sell or share data?
Never. No selling, no advertisers and no tracking tools.
What if a client forgets their password?
They request a reset link, which is sent only to their registered email address.
Can a client be removed?
Yes. Removing a client deletes their goals and progress. Clients can also delete their own account in the app.
How does Rhumb fit with POPIA?
For your clients' information, you are the Responsible Party and Rhumb acts as your Operator, processing it only to provide the service. The database is hosted in the EU under GDPR-level protection, as POPIA requires for cross-border transfers.
Is Rhumb connected to clients' bank accounts?
No. Rhumb is not connected to any bank and cannot move money. It never asks for ID, bank, card, policy or investment account numbers.
Based on Rhumb's live systems and configuration, October 2026. Need more for your compliance team? Read the full Privacy Policy or email adviserclientcompass@gmail.com.
Simple pricing, no lock in
First two months free. Cancel any time, with a full refund of the remaining months.
R5 400 a year, paid monthly.
R4 200 a year per adviser, paid monthly.
Book a presentation for your practice
We'll walk you through the portal and the client app, show the research, and answer your questions.
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