From Macro Context to Personal Insights: A New Layer of Portfolio Intelligence
Ask Linc combines live market data with your actual brokerage holdings to deliver personalized portfolio analysis, stress testing, and retirement projections.
Ask Linc has always been market-aware. Through integrations with FRED, Alpha Vantage, and Polygon.io, Linc understands the broader environment your finances live in—current interest rates, inflation trends, Treasury yields, credit conditions, and real-time market context. That layer matters: good financial analysis shouldn't pretend markets don't exist.
But market data alone can only get you so far. It can tell you that yields are up. It can't tell you whether your portfolio is positioned to take advantage of that—or whether you're overexposed to rate-sensitive equities you don't realize you're holding.
That's the gap SnapTrade, Tiingo, and Financial Modeling Prep close.
SnapTrade connects Ask Linc directly to your brokerage accounts—Fidelity, Schwab, Robinhood, Vanguard, Interactive Brokers, and more—surfacing your actual holdings, position-level data, asset allocation, and two years of transaction history. Not an estimated account value. Not a balance. What you actually own.
Tiingo then provides the historical backbone: dividend-adjusted price data that powers retirement stress tests and simulations grounded in real long-horizon returns. Financial Modeling Prep fills in the fund-level detail—expense ratios, asset class, geographic focus—so when you hold an ETF, Linc understands what's inside it, not just what it's worth today.
Together, these data sources are what turn a list of holdings into a genuine analysis. Consider what a real Linc conversation looks like:
"Re-evaluate my entire portfolio. Stress test it and give me a probability assessment on how long I'll likely be able to sustain my revised monthly drawdown, given that I'm currently 77 years old."
Linc's response: a complete analysis—2.90% withdrawal rate, 8+ years of cash reserves, 100% survival probability across stress test scenarios, and specific action items around RMDs and inflation protection. That kind of answer requires knowing what someone actually holds and having the historical data to model what could happen to it.
That's the difference between broad market awareness and personal financial intelligence. Ask Linc now offers both.
Comments ()