Most articles say Claude can’t access your real portfolio. That changed in 2025. Here’s the five-minute setup.

There’s a version of personal finance where you open Claude - the same Claude you already use for writing, research, and thinking - and ask it about your actual Fidelity 401k, your Vanguard IRA, and your Schwab brokerage account simultaneously. No exports. No copy-paste. No stale month-end statement standing in for today’s holdings. That version exists now - and it requires a paid Claude plan (Pro or Max) plus a Truthifi account. The only thing standing between your AI and your real financial picture is a trust layer. Truthifi is that layer.

Here’s how it works, and how to set it up in five minutes.

Claude added MCP Connectors in 2025, and Truthifi built one specifically for retail investors. If you’re already using Claude for other tasks, Truthifi lets you add your real portfolio to those same conversations: live balances, holdings, expense ratios, and allocation across Fidelity, Vanguard, Schwab, and most major brokerages. No new app to learn.

Most ways to give an AI access to your financial data involve trade-offs: screen scraping requires sharing your login credentials with a third party, DIY MCP servers require developer setup, and pasting CSV exports hands raw account data directly to the AI. You may have also read concerns about AI accessing your finances. Those concerns are legitimate, and Truthifi’s architecture is built to address them directly.

The connection uses OAuth (the same secure authorization standard used when you sign in with Google or Apple), so your brokerage password never passes through Truthifi or Claude. Every data request is logged, and access is read-only at the protocol level, not just in the terms of service.

Is it safe to connect Claude to your bank or brokerage?

Yes - structurally, not just by policy. The connection uses OAuth, so your brokerage login credentials never pass through Truthifi or Claude. Truthifi holds a read-only token scoped at the protocol level. Claude cannot move money, place trades, or change account settings under any circumstance.

All data is encrypted in transit and at rest with AES-256, every access request is logged, and you can revoke the connection at any time from your Truthifi account or directly from your brokerage’s authorized apps page. Full details in the FAQ below.

Once that’s settled, the setup takes about five minutes.

What you need

An account with Truthifi:

• Truthifi Connect is the best way to get started with MCP for free (25 calls/month, up to 5 providers). When you’re ready to expand your financial intelligence, you can upgrade to the Pro tier for just $5.99/month (or $59.99/year) and link up to 8 providers. See What Is Truthifi Connect? for more details.

• For the full Truthifi monitoring experience plus MCP access, a paid Truthifi account is required—either the Monitoring plan ($8.99/month or $79.99/year) or Monitoring Plus+ ($29.99/month or $299.99/year). A free trial is available at truthifi.com/pricing.

*Pricing and usage limits as of April 24, 2026

A paid individual subscription to Claude (Pro or Max). If you’re working in a team or enterprise account, your admin may need to adjust settings on your behalf before you can access our MCP.

Your brokerage accounts linked inside Truthifi - do this first at app.truthifi.com.

No coding required - the entire setup is done through browser settings and OAuth screens.

Why Truthifi - not just any aggregator

You could connect Claude to your brokerage data other ways: a developer-built MCP server, a CSV export, manual copy-paste. None of them give you what Truthifi gives you. And none of them address the foundational problem: your AI can only reason as well as the data it’s given. Raw, stale, or incomplete inputs produce raw, stale, or incomplete answers - which is exactly the wrong baseline for decisions about your financial life.

Security. Connections run through Plaid, Yodlee, and By All Accounts - the same institutional-grade data providers used by banks and financial apps. All data is encrypted in transit and at rest with AES-256, the same standard used by major financial institutions. Truthifi never sees or stores your login credentials. Read-only is enforced at the protocol level, which means Claude cannot move money, place trades, or change account settings regardless of what it is asked to do. That constraint lives in the connection architecture, not the terms of service.

Privacy. Truthifi does not sell your data, does not earn commissions, and has no financial products to push. You choose which accounts Claude can see at the individual account level, not all-or-nothing.

Control. You decide what Claude can see and for how long - at the individual account level, not all-or-nothing. Permissions are scoped: you choose which institutions, which accounts, and which AI tools have access. Revoking works at two levels: remove the Truthifi connector from Claude entirely, or log into Truthifi and disconnect individual institutions while leaving others active. Either way, revoking Claude access does not touch your other Truthifi connections, and no contact with Truthifi is required.

Audit trail. Every MCP data request is logged: what was accessed, when, and by which tool, including the Claude session that accessed it. No other consumer-facing MCP connector for retail brokerage accounts provides this.

Data quality. Truthifi rebuilds your historical data on connection, fills gaps, and corrects errors most aggregators miss. Claude reasons over verified, normalized data across your accounts, not raw feeds with missing cost basis or mismatched tickers. This matters more than it sounds: the same portfolio analyzed from a raw feed vs. a normalized one can produce meaningfully different allocation percentages, particularly across multiple accounts.

For a deeper look at what Claude can do with this live data, see AI Portfolio Analysis: Expense Ratios, Asset Allocation & Retirement Readiness.

The five-step setup is below. It takes about as long as making a cup of coffee.

Setup: five steps

Step 1 - Open Integrations in Claude

Go to claude.ai → Customize → Connectors. This is where your connectors are managed. You’ll add Truthifi here.

Alternatively, mid-conversation: click "+" → Connectors → Add or manage connectors (where you can add Truthifi if not yet connected). Note: "Connectors" and "Integrations" refer to the same feature; the label may vary by version.

Step 2 - Add Truthifi

Find Truthifi in the connectors directory and click Connect. If it’s not listed:

1. Click Add custom connector

2. Enter Name: Truthifi and URL: https://api.truthifi.com/mcp

3. Click Add

Step 3 - Authorize your accounts

Sign in to your paid Truthifi account (Monitoring or Monitoring Plus+), select which accounts to share, confirm read-only scope, and click Authorize.

Step 4 - Enable the Truthifi integration

In any new chat: click "+" → Integrations (may appear as Connectors on older versions) → toggle Truthifi on. This only needs to be done once — the toggle persists across conversations. If you ever lose connection, simply toggle it off and back on to reconnect.

Step 5 - Verify

Send: "What is my current asset allocation across all my connected accounts?"

If Claude responds with your actual holdings, you’re live.

Supported brokerages

Fidelity, Vanguard, Charles Schwab (including former TD Ameritrade accounts), most major banks, and many 401k providers. Truthifi supports over 18,000 institutions - sign up for free to confirm yours is covered.

How Truthifi’s MCP Connection Works

The connection between Claude and your Schwab, Fidelity, or Vanguard account runs through Truthifi’s MCP server — a technical term worth understanding, because it explains why this is safe.

MCP stands for Model Context Protocol, an open standard developed by Anthropic (the company that makes Claude) in 2024. It creates a standardized, secure channel between AI assistants and external data sources. Think of it as a controlled pipe: Claude can read data through it, but cannot write to, move, or trade anything in your accounts.

Here is what actually happens when you connect:

1. You authorize Truthifi through OAuth — the same standard used when you "Sign in with Google." Your Schwab, Fidelity, or Vanguard login credentials never pass through Truthifi or Claude.

2. Truthifi holds a read-only token, scoped at the protocol level. The token cannot initiate transactions.

3. Truthifi decodes and normalizes your brokerage data — translating raw feed data into clean, verified holdings, balances, and cost basis that Claude can reason from.

4. Claude receives your financial data through the MCP channel and answers your questions. Nothing is stored between sessions.

The technical difference between Truthifi and the developer-built Schwab MCP servers on GitHub: those require a Schwab developer account, a Cloudflare Workers paid plan, Node.js, and manual OAuth configuration. Truthifi’s connector activates through Claude.ai’s native interface in under two minutes, with no command line and no API keys.

Truthifi vs. DIY Schwab MCP Servers: Which Is Right for You?

The GitHub repos are well-built projects for technically confident users who want full control, including optional trading capabilities. Truthifi is built for investors who want the analysis without the infrastructure. Both connect Claude to Schwab data. The difference is what you have to set up to get there.

Example questions

Once connected, Claude can analyze your investments directly: asset allocation, expense ratios, retirement readiness, rebalancing gaps, and more. Because Truthifi normalizes and verifies your data before it reaches Claude, the answers are grounded in accurate holdings and real cost basis, not raw, unprocessed brokerage feeds. The questions below apply at any life stage - from building your first portfolio to managing withdrawals in retirement.

• "What is my total equity/bond/cash split across all accounts?"

• "Which of my funds have the highest expense ratios?"

• "How much am I paying in fund fees annually?"

• "Am I on track to retire at 65 based on my current balances?"

• "My target is 80/20 stocks to bonds - where am I off-target today?"

• "Which holding is the biggest drag on returns?"

For a full breakdown of what Claude can do with live portfolio data, including expense ratio analysis and retirement readiness, see the AI Portfolio Analysis guide. Both Claude and ChatGPT require paid plans to use the Truthifi MCP connector.

What Claude cannot do

Cannot move money · Cannot execute trades · Cannot change account settings · Does not store credentials · Does not retain data between conversations

"Claude for personal finance is an analysis tool, not a trading platform. It reads, reasons, and explains - it does not act on your accounts."

Truthifi MCP vs. every other option

For the first time, the AI you already use can see your actual portfolio - not a spreadsheet you made from last month’s statement.

Where this is heading: AI agents and your finances

What you’re setting up today is a live connection between your portfolio and a reasoning engine. You ask, Claude answers, using your real holdings. That’s already more powerful than anything a retail investor had access to two years ago.

The direction from here is even more interesting.

The coming generation of agentic AI - models that act on your behalf, not just respond to you - will be able to monitor your portfolio continuously, surface meaningful changes proactively, and flag when something needs your attention before you think to ask.

Expense ratio creeping up on a fund you haven’t looked at in a year. Allocation drifting past your stated target after a strong equity run. Contribution pace suggesting a retirement date later than you planned. These are things an AI agent, watching your live data, can catch in real time.

That future is being built on the same infrastructure you’re connecting right now. The MCP standard, the OAuth authorization, the normalized data feed - that’s the foundation. Claude and Truthifi are already on it. You’re not just getting a smarter conversation about your finances. You’re joining the system early - one that runs in the background, keeps your data fresh automatically, and holds your permissions exactly as you set them without any ongoing effort.

Everything starts with the connection you just made.

Know more. Share less. Sleep well.

How to disconnect

Customize → Connectors → Truthifi → three-dot menu → Remove. To fully revoke, log in to your Truthifi account and disconnect each institution individually.