I created PFOS because of a conversation I kept having.
Working with clients in financial services, people would sit across from me with questions about retirement, debt, insurance, investments, and their future. They knew what they earned, what they paid, and which accounts they had. But many couldn't tell me where they stood, or whether they were on track for the life they wanted.
People don't need more financial information. They need a way to understand it and act on it.
With a background in engineering and process improvement, I spent months designing a system around that idea. Not another budgeting app. Not one more dashboard. Something that answers the three questions everyone really has about their money:
Where am I now?
PFOS brings your income, spending, debt, savings, and accounts into one picture, scores your financial health, and ranks what deserves your attention first.
Where am I headed?
It projects your path forward from your own numbers: your net worth, your retirement, the date your debt is gone.
Am I staying on track?
PFOS tracks your plan month to month, so you see when you're drifting before it becomes a problem.
And because life rarely goes to plan, PFOS lets you test decisions before you make them. A raise, a new baby, a job loss, a house, paying off debt faster: see what each one does to your future, then adjust your plan to match. You choose the accounts, the amounts, and the order. Change your mind anytime, and the numbers update instantly.
It works for individuals and couples, and it's the technology at the heart of Sequence & Co. When a decision needs a human perspective, you're not on your own. Marlyn and I are here to answer questions, give perspective, or point you in the right direction.
PFOS solves a simple problem: most people make big money decisions without knowing whether they're on track, and they don't find out until it's too late to fix. PFOS shows you where you stand and where you're headed, while there's still time to change course.
It replaces guessing with a clear picture, a clear next step, and a way to see the future before you commit to it. And it helps you avoid the mistakes that quietly cost the most: paying the wrong debt first, saving without a target, and drifting off track without noticing.
PFOS won't make your financial decisions for you. It shows you where you stand, where you're headed, and what each choice would change, so you can make better ones with confidence.
Efrain Santiago, Founder of PFOS