The majority of financial problems are behavioral, not mathematical. Yet, the FinTech world is dominated by cold, numbers-only platforms that fail because they ignore the human element of shame, stress, and behavioral inertia. Dr. Zac Talley, a leading voice in Financial Psychology and Cognitive Economics, recognized this profound gap and launched The1863—a platform that merges cutting-edge AI with mandatory human counseling to deliver Family Office-level strategy.
“FinTech has traditionally been great at counting money, but terrible at helping people keep it,” says Dr. Talley. “We treat the multi-million net worth minimum as a moral failure of the industry. The1863 is the first true Family Office for the American Middle Class.”
The Psychology of Wealth
The1863 app is built on a foundation of Cognitive Economics, focusing on changing the user’s relationship with money. By integrating an AI “Freedom Coach” that provides personalized, non-judgmental accountability and education, the system directly tackles avoidance behavior and emotional spending patterns. The mandatory inclusion of unlimited human counseling for all paid tiers provides the critical psychological scaffolding needed for sustained financial health.
Scaling Elite Strategy Through Tiers
The value proposition of the1863 is delivered through tiers designed to move clients from mere survival to strategic wealth building:
A La Carte App ($9.99/month): Provides fundamental strategic planning and microlearning modules.
Foundation Tier ($35/month): Adds the core component of Unlimited Human Counseling for immediate emotional and behavioral support.
Strategy Tier ($75/month): This level introduces Certified Finance Professional (CFP) oversight, including the App, Counseling, Tax Preparation, and an Annual Overview with a CFP.
Legacy Power Tier ($125/month): This is the full Family Office experience. It includes all Strategy services, plus comprehensive Tax Planning, an Assigned Finance Professional for dedicated guidance, Quarterly Finance Meetings, an Annual Full Family Office Meeting to review multi-generational strategy, and Exclusive Event Access for networking and advanced workshops.
By democratizing access to high-end financial strategy and prioritizing psychological well-being, The1863 is not just a platform—it’s a new, scalable blueprint for economic liberation.
