How to ask Meta Muse about your real portfolio

By Scott Blandford, Founder & CEO, Truthifi · Reviewed by the Truthifi Team · Published September 15, 2026

Ask Meta Muse about your portfolio before it can see your accounts, and you get a general answer. Meta's launch post (2026) calls it a personal AI agent built to act: it runs on its own cloud computer, connects to the apps you choose, and keeps working on a goal after you close the app. As described at launch, what it can't do on its own is see your bank, brokerage or retirement accounts. Get started with Truthifi

That's the gap Truthifi closes. Connect Muse to your real accounts and, once it's linked, it answers from your real balances, holdings and spending instead of a general description. Below, we cover why that matters, what to check first, which Meta Muse personal finance questions work best, and how you can connect in three steps. If you manage your own money, that means answers about your own accounts. If you advise clients who use Muse, their questions can start from the same records you review.

Why AI gives generic financial answers

AI gives generic financial answers mostly because it can only reason about the data it can see. Without your accounts connected, Muse can explain what an index fund is or how an advisory fee is charged, but it has no way to say what you own, what you paid or how your balances moved from your records. With nothing of yours to read, it falls back on describing a typical investor.

Take a plain question like "How much did I pay in fees last year?" It has one right answer, and that answer sits in your account records. Until Muse can read those records, the most it can offer is a description of how fees usually work. Its cloud computer and long-running goals don't change that, since a goal built on a general picture still produces a general result.

The two ways to give Meta Muse your financial data

There are two ways to give Meta Muse your financial data: paste numbers into the chat, or connect Truthifi so Muse fetches them itself while it answers. Pasting suits a single question, while a connection suits most of what comes after it. Muse goes back to your linked accounts each time instead of relying on whatever you copied last.

Pasting has two costs. The answer is only as current as your copy, and the details stay in your conversation history.

Connecting avoids the first problem. Muse fetches your latest Truthifi data each time, as current as each account's last refresh. Even so, what Muse reads can stay in its memories and conversation history. You can link any of 18,000+ financial institutions to Truthifi through Plaid, Yodlee and By All Accounts. You can check the status of your bank or broker at truthifi.com/connections before you link it. Once linked, Truthifi refreshes your data automatically once a day while the connection is working. You can also ask for a refresh in between, which uses 3 credits (see the credit table further down).

We also clean up the data before Muse sees it: reinvested dividends get labeled correctly, and the same security is matched across accounts, so a fund held at both Fidelity and Schwab is recognized as one fund. This matters most for an investor who moved jobs several times, since old 401(k) rollovers can sometimes land the same underlying fund under a new ticker at a new custodian. How far back the history runs depends on what each bank or broker makes available.

What makes a financial MCP connector trustworthy

Trust in a financial MCP connector comes from checking it yourself, starting with who built it and ending with where its answers go. That check falls to you because, according to Meta's help page on connectors, Muse builds a custom connector when you ask, and Meta doesn't review custom connectors or how they use your information. MCP, the Model Context Protocol, is the standard an AI assistant uses to call an outside service's tools. Truthifi offers an MCP server, and as of October 2026 that server isn't listed among Muse's ready-made connectors.

Work through those questions in order, beginning with the Authorize screen itself.

1. What the Authorize screen lists. When Truthifi's Authorize screen appears, it lists what the assistant can read: accounts, advisors and groups; balances; holdings, transactions and fees; performance, Truthifi Score and findings; composition, concentrations and market cap; spending by category; scan status. It also lists two kinds of change: adding or deleting assets you track by hand, and running portfolio scans.

2. What it can change. Truthifi's access at your bank and broker is read-only. Your AI assistant can't move money, place trades or change anything there. Two Truthifi tools do change data inside Truthifi: adding or deleting assets you track by hand, and refreshing your data on demand. The refresh is the "portfolio scan" on the Authorize screen.

3. Which accounts it sees. Your AI assistant sees every account you've linked in Truthifi unless you narrow it. Want an assistant to see fewer accounts? Open Settings → Sharing and select the assistant.

4. Where your bank password goes. You sign in to your bank or broker through our connection partner (Plaid, Yodlee or By All Accounts), not through Truthifi or your AI assistant. Truthifi doesn't see or store your bank username or password.

5. Where the answers go. Whatever Truthifi's tools return goes to the AI company behind your assistant, which handles it under its own terms. For Muse, that company is Meta.

Your AI assistant authorizes access to Truthifi without you typing your password into chat, and your data stays encrypted in transit and at rest. One more rule underlies all five checks above. Truthifi asks each person to use their own login rather than a shared one, even inside a family or firm, so each authorization and each revoke maps to one person. For the wider question of linking accounts through an aggregator at all, see is it safe to connect your accounts?

What Meta Muse can and can't do with your data

Muse can read whatever you've authorized in Truthifi, but it can't move money or trade at your bank or broker through that connection. Meta layers its own safeguards on top of Truthifi's limits. Muse can't see passwords or payment methods you share with it, according to Meta's launch post (2026), and it doesn't pass your conversations or its cloud computer's data to Meta's ad systems. The same post says you can opt out of training use.

Cutting Muse off takes two steps. Truthifi's revoke path is Connections → Agents → ⋯ → Revoke. Revoking stops Muse even if it still lists Truthifi. Meta's help documents the matching step: in Muse, go to Settings → Connectors.

What to ask once your portfolio is connected

Point your Meta Muse portfolio questions at facts that live in your accounts: a total, a list, a split, a change over time. Start each one with "Using Truthifi" so Muse knows where to look. Most cost 1 Truthifi credit, and the ones below need no more than the plan noted beside them.

Before you try these, note that plan gates come in two tiers that apply to every question on this page, covered below.

• Pro tier: Connect Pro, Monitoring or higher. Covers performance, single-stock exposure, news, advisor details and your Truthifi Score.

• Max tier: Connect Max, Monitoring or higher. Adds fees.

Everything else works on every current consumer plan, including the free ones. If you're an advisor, the same lists work as a pre-meeting worksheet: a client runs them on their own Muse, and each answer comes from the client's own linked accounts.

Start a Meta Muse budget check with spending.

• "What did I spend on groceries and dining each month this year?"

• "List my transactions over $200 last month."

• "What are my balances across all my accounts?"

Meta Muse investing questions look at what you own and what it earns:

• "How is my portfolio split by asset class?"

• "What are my five biggest positions today?" (2 credits)

• "What dividends and capital gains have my funds paid over the last two years?"

• "How did my investments do this year against a benchmark?" (Pro tier)

• "How much am I paying in fees, by account?" (Max tier)

Then there's concentration. "Which single stocks am I most exposed to, counting what I hold through funds?" and "Find recent news on the stocks I hold." both need the Pro tier, and news works by stock ticker, not funds. That is as far as Meta Muse stock analysis goes on Truthifi data: what you hold, how concentrated it is, and what's in the news about it.

Try asking your AI:

• "Using Truthifi, what are my balances across all my accounts?"

• "Using Truthifi, how is my portfolio split by asset class?"

• "Using Truthifi, what did I spend on groceries and dining each month this year?"

How Truthifi can help: three features do most of the work behind these answers. Your Truthifi Score, and how it has changed over time, comes with findings that show the financial health issues behind it. Truthifi says those findings draw on its checks for 130+ kinds of issues, a count from its own platform data as of October 2026. The Truthifi Score feature page describes how the Score works. Concentrations show how much rides on single stocks once funds are counted. Fee analysis lists the fees on each account, by type. The Score and concentrations need the Pro tier, and fees need the Max tier.

Truthifi also offers ready-made prompts that Muse can run. "Where my money went" shows your monthly spending trend by category. "What I hold" shows positions, allocation and market-cap mix and flags accounts that have stopped updating, with full results on the Pro tier. A prompt carries no account data until Muse runs the tools behind it.

How to connect Truthifi to Meta Muse

You can connect in three steps, with no settings screen involved. All you need is a Truthifi account and the Muse app. Muse has no documented place to type in a server address, so you ask it to connect and it builds the custom connector itself. Connecting your own AI assistant works on every current consumer Truthifi plan, including the free ones, so you can try it before paying for anything.

1. Ask Muse to connect. In Muse, ask: "Please connect to my Truthifi account via Truthifi MCP." If Muse can't find it, add the address: "…using Truthifi's MCP server at https://api.truthifi.com/mcp."

2. Sign in and authorize. Sign in only on Truthifi's own sign-in page and click Authorize. Never type your Truthifi password into the Muse chat.

3. Check it works. Ask "Using Truthifi, what are my balances?" and confirm your linked accounts come back.

You can start free, with limits, and the full walkthrough lives in how to connect Truthifi to Meta Muse. If you also use Claude, see how to ask Claude about your portfolio. If this is your first AI assistant, how to ask AI about your real portfolio covers the basics.

Setting a recurring goal on your Truthifi data

With your accounts connected, you can give Muse a standing job rather than a single question, which is where it differs most from a chatbot. A simple example: a monthly summary of your balances by account uses one tool, needs no paid plan, and spends Truthifi credits each time it runs.

Before you set a goal on your Truthifi data

Credits, as of October 2026. Most tools cost 1 credit per call, and a few cost nothing. get_dated_holdings costs 2 and run_scan costs 3. Credit allowances for your assistant, by plan:

Plan	Daily credits	Monthly credits
Free Checkup and Connect Explore	5	25
Connect Pro	20	75
Monitoring	25	150
Connect Max	75	400
Monitoring Plus+	75	500

Allowances reset every day and every month, and every assistant you connect shares them.

Approvals. Whether your assistant asks before running a Truthifi tool depends on the assistant, not on Truthifi.

Automatic daily refreshes don't touch those credits. An on-demand refresh is different: it runs run_scan and uses 3 credits. You can ask Muse "What plan am I on?" to see your plan and the credits you've used so far. That runs get_subscription_info, one of the tools that cost nothing, so checking doesn't use your allowance.

Before you hand over that goal, there's one more thing worth checking: approvals. Muse won't take many important actions without your approval by default, according to Meta's help page on connectors, and you can change when it asks in Settings. Meta's launch post (2026) adds a separate Sentinel agent that approves anything reaching the internet and keeps an audit trail. Truthifi's tools carry instructions of their own. create_asset_liability tells the assistant to show a preview and save only after you confirm. run_scan tells it to ask first.

Muse is one option, not the only one. You get the built-in Truthifi AI agent with Monitoring and Monitoring Plus+, and you can connect your own assistant on any current consumer plan. Muse makes sense if you want one agent that also handles tasks beyond your money, with your Truthifi data alongside. If you're on Monitoring and only want answers about your own accounts, the built-in agent may suit you without connecting an outside assistant. If you already give Muse goals that run on its cloud computer, connecting Truthifi lets those same goals draw on your balances and spending without a second assistant. Advisors have a simpler fit to consider: Muse is a personal agent, so the client connects their own Truthifi login to their own Muse. As a next step, advisors can send clients the connection walkthrough, then review the answers to the fact-based questions above together, with the recommendations staying with the advisor.

Frequently asked questions

Getting started

Can I ask Meta Muse about my actual investments?

Yes. Once Muse is connected to your Truthifi account, it asks Truthifi's tools about the accounts you've linked and answers from your real balances, holdings and spending instead of a general description. Before that connection, Muse is limited to explaining general concepts like how an index fund or advisory fee works, which is why its money answers sound generic rather than specific to you.

What makes a good Meta Muse portfolio question?

A good question asks for a fact sitting in your accounts, not an opinion. "What's my current mix of stocks and bonds?" works well, and so does "What did I spend on dining each month this year?" Start with "Using Truthifi" so Muse reaches for your data, and keep the what-should-I-do part for yourself or your advisor.

What does it cost to use Muse with Truthifi?

It can cost nothing on Truthifi's side. Meta sets Muse's own usage limits and plans, so check its current terms. You can connect your own AI assistant on any current consumer Truthifi plan, free ones included, and those free plans include a daily allowance of 5 credits for your assistant.

Which questions need a higher Truthifi plan?

Performance, single-stock exposure, news, advisor details and your Truthifi Score need Connect Pro, Monitoring or higher. Fee breakdowns need Connect Max, Monitoring or higher. Balances, asset mix, holdings, transactions, spending and distributions work on every current consumer plan.

Does every question cost credits?

Most do. A typical tool call costs 1 credit and a holdings snapshot costs 2. Daily refreshes happen automatically at no cost. Refreshing on demand uses 3 credits, as the credit table above shows, and won't run while your bank's data connection is down. Nine Truthifi tools are free, including the one that reports your plan and the credits you've used, so checking your usage doesn't use credits. The MCP tools page lists them.

Do I need an API key to connect Truthifi to Muse?

Not on Truthifi's side. Truthifi doesn't offer personal API keys, and you connect by signing in and clicking Authorize. Building a custom connector can involve retrieving API information, according to Meta's help page on connectors, so check any request to paste a key or code into the chat before you act on it.

Safety & privacy

Is it safe to connect an AI assistant to my bank account?

With Truthifi, the assistant reads your accounts only after you sign in and click Authorize, and it can't move money or trade at your bank or broker. Truthifi encrypts that data in transit and at rest. The trade-off is that the AI company receives what Truthifi's tools return and handles it under its own terms.

Who sees my bank password?

Neither one. Bank and broker sign-ins go through our connection partner (Plaid, Yodlee or By All Accounts), not through Truthifi or your AI assistant. Truthifi doesn't see or store your bank username or password, and Muse receives a sign-in token instead.

Does Meta use my financial data for ads or training?

Meta receives the data Truthifi's tools return and applies its own terms to it. Muse doesn't share your conversations or its cloud computer's data with Meta's ad systems, according to Meta's launch post (2026), and you can opt out of training use.

How do I disconnect, and does that erase what Muse learned?

Disconnecting Muse takes two moves: revoke in Truthifi under Connections → Agents → ⋯ → Revoke, and disconnect Muse under Settings → Connectors, as Meta's help page on connectors describes. Revoking stops new data but doesn't delete what Muse already received. Used information may stay in Muse's memories and your conversation history, according to the same help page, and you can ask Muse to forget it.

What AI can and can't do

Is Meta Muse stock analysis the same as investment advice?

This kind of stock analysis isn't investment advice. With Truthifi connected, Muse can show your exposure to single stocks, including through funds, and find recent news by ticker, but Truthifi supplies facts, not recommendations. Truthifi is not an investment adviser and doesn't give investment, tax or legal advice.

Can Meta Muse budget tracking show where my money went?

It can, on every current consumer plan, by breaking your spending and income down by category. Truthifi's "Where my money went" prompt shows the monthly trend. Its "Recurring subscriptions" prompt finds subscriptions and recurring charges across your linked accounts.

Which Meta Muse investing questions work best?

Specific ones with a single right answer: how your portfolio splits by asset class, your five biggest positions today, or what your funds paid in dividends and capital gains over two years. They work because the answer already sits in your linked accounts, and Muse only has to fetch it.

How current are the numbers Muse sees?

As current as Truthifi's last refresh. Truthifi updates your data automatically once a day while the connection to your bank or broker is working. You can ask for a refresh in between. That on-demand refresh uses 3 credits and won't run while your bank's data connection is down.

Can Muse track my net worth?

Yes, Muse can track your net worth on a plan that includes it. Truthifi's "Balance sheet" prompt shows what you own and owe, plus your net worth and how it changed over the year, with full results on Connect Max, Monitoring or higher. Assets that don't link, such as a home or a mortgage, can be added by hand.

Understanding AI agents

Can Muse keep working on my finances while I'm away?

That's one of the things Muse is built for: turning a goal into a plan. Every run against your Truthifi data spends Truthifi credits and stays within your plan's tool limits. Size the goal to your plan, and read what Muse intends before you confirm it.

Should I use Muse or the built-in Truthifi AI agent?

Muse and the built-in agent are separate products: Truthifi offers a built-in AI agent on some plans, and every current consumer plan also lets you connect your own assistant, such as Muse.

Muse and your advisor

Can I use Muse for my advisory firm?

Not as a firm: Muse is a personal agent, and Meta's launch post (2026) describes no firm or admin product. A client can still connect their own Truthifi login to their own Muse, and a firm wanting an assistant for the whole practice can look at the firm plans other AI assistants offer.

Stop asking Muse about a hypothetical portfolio

The harder question with an agent that works while you're away is how you'll know its work is right, and money is one of the few areas where you can check the numbers line by line. A good first goal is a job you already do by hand, such as adding up balances across separate logins each month. Start free with Truthifi, connect Muse in the three steps above, and hand it that monthly summary. Advisors can build the same habit into reviews: ask the client to bring Muse's monthly summary and check it against the custodian statements together. Check the first run against your own statements before you give it more. A total that doesn't match isn't only a Muse mistake to correct. It can point to an account that has stopped updating, which is worth catching on its own.

About the author. Scott Blandford, Founder & CEO of Truthifi, writes these guides and the Truthifi Team reviews them. The team brings decades of experience inside wealth institutions including TIAA, Fidelity and Merrill, and every guide is checked against Truthifi's published product facts before it's updated.

Related connect guides: Meta Muse finance hub · How to connect Truthifi to Meta Muse · How to ask AI about your real portfolio · Every Truthifi MCP tool, with credits and plans · How Truthifi protects your data · Is it safe to connect your accounts?

Muse guides by account type: Fidelity, Vanguard and Schwab · Robinhood and E\*TRADE · Chase and Bank of America · Coinbase and Kraken. Get started with Truthifi

How we checked this. Truthifi has tested its connection with Muse. Muse is new and Meta can change how it builds connectors, so the Muse-side details here reflect Meta's documentation rather than a promise of how Muse will behave for you. The setup steps, plan tiers and credit figures on this page come from Truthifi's published product facts as of October 2026, listed on the MCP tools page and the pricing page, and Meta's own announcement and help pages are the source for the Muse details.

Truthifi is not an investment adviser and doesn't give investment, tax or legal advice.