Silvia Research: Your Personal Financial Analyst, On Demand

Independent financial research has historically started in the wrong place. Legacy financial tools surface raw information: details about investment funds, a recession forecast, equity analysis, or high-level introductions to complicated personal finance topics. While this information is valuable, it does not incorporate your risk tolerance, current portfolio positions, mortgage rates, spending patterns, or your cash buffer. So, the hardest part, applying it to your life and financial situation, is left to you.

Silvia Research does the opposite. Silvia Research starts with your connected financial accounts, vault documents, goals, tax information, and radars. It then ties this personal information with current market conditions, breaking news, and other proprietary data sources to deliver you deep research, context, and insights. The result is real, investment grade research and analysis.

What Is Silvia Research?

Silvia Research (the “deep research” feature) is an asynchronous, multi-agent analysis pipeline built into the Silvia platform. Instead of answering your question in a few seconds, like traditional Ask Silvia chat messages, it spins up a dedicated research job that works in the background – pulling in live market data, cross-referencing it against your actual portfolio holdings and financial accounts, and assembling a full written report with citations, charts, and a PDF you can download and share. Think of it less like a chatbot reply and more like hiring a junior analyst that can spend 20 to 40 minutes putting together a thorough investment thesis or memo, except this analyst already has your entire financial picture in front of them.

How Silvia Research Works

Silvia Research can perform complicated financial calculations and can run complex simulations and scenarios. This is the true power of Silvia Research and why thousands of investors use it today.  Here is who to use Silvia Research.

You Ask a Question.

Silvia Research is built for genuinely open-ended, “what if” style questions. The kind of questions that would take a human analyst real time to work through. For example:

• How would a 2% interest rate increase affect my investment portfolio and mortgage?
• Can I afford a $900,000 house given my current savings and income?
• What is my exposure if the AI trade unwinds, and how should I think about rebalancing my portfolio?

The Pipeline Runs.

Once queried, a multi-agent system goes to work. It gathers live market data, cross-checks it against your accounts and positions, reasons through scenarios, and begins to draft its findings. This isn’t a single model call. It is a structured research process, which is why it takes meaningfully longer than a normal chat answer. Deep Research typically takes 20 to 40 minutes to run.

You Get a Full Report.

The finished output lives on the Research Page and inside your Silvia Vault. When it is done, you get a complete, cited report that you can download as a PDF. And this isn’t just a one- or two-page report. Silvia Research produces rigorous reports that are 10+ pages long and includes charts, graphs, and other helpful visuals.

Two Levels of Research in Silvia

Silvia researches at two depths: quick answers in everyday chat, and full Deep Research reports for bigger decisions.

Everyday Research in Chat

Any question you ask Silvia can pull in outside information when it helps. Ask about a company you own, an investment fund you are considering, or a tax rule, and Silvia connects that context to your actual holdings and accounts. You can chat, email, text, or call Silvia, so research is available whenever the question comes up.

Deep Research Reports

For decisions that deserve more than a chat reply, you can ask Silvia to run a Deep Research report. Instead of a quick answer, you get a structured, cited report you can keep as a PDF. Silvia models the scenarios, shows the evidence, and calls out which assumptions decide/inform the answer.

Deep Research is built for questions and prompts like:

• Stress tests my portfolio against a market crash, recession, and rising rates.
• Run a Monte Carlo simulation for my retirement projections.
• Analyze my portfolio concentration and recommend a rebalancing plan.
• Plan multi-year Roth conversions, tax-loss harvesting, and capital-gains timing.
• Should I pay down my mortgage faster or invest the difference?
• Analyze the thesis, risks, and trim decision for my largest holding.
• Which of these three funds is the best fit for my taxable brokerage account?

These are the questions where a rule of thumb isn’t good enough, and where the right answer depends on details only your own data can supply.

Silvia Research vs. Ask Silvia

If your question can be answered by looking something up – such as a share price, account balance, or your allocation – regular Ask Silvia chat is faster and just as reliable. Silvia Research earns its 20 to 40 minutes on questions that require weighing multiple variables together: rate sensitivity, affordability, stress scenarios, concentration risk under different market paths, and similar decisions where the “right” answer depends on your specific financial situation.

What Silvia Research Brings into an Answer

Good financial research combines two kinds of information: What is true about the world, and what is true about you. Silvia Research draws on both.

The connected financial accounts side is broad. Silvia links to over 12,000 U.S. Banks and brokerages through Plaid, Snaptrade, and other industry leading financial data aggregators. Plus, Silvia also links to numerous crypto exchanges and self-custody wallets. You can also add real estate, vehicles, watches, art, and other collectible items manually, and Silvia values them using live market data.

It is important to note that Silvia is only granted read-only throughout, so it never touches your money. When part of your financial life isn’t connected, just tell Silvia what is missing. A strong answer separates known values from estimates and clearly flags this gap.

Silvia Research in Action: Three Deep Research Examples

Each example below starts with a common question and shows how Silvia, your personal AI CFO, turns it into research about your current financial situation.

Pay off the mortgage or invest?

The internet has a thousand opinions on this. Silvia skips the opinions and goes straight to the facts. Silvia uses your mortgage rate, remaining term, tax situation, cash buffer, and goals, and then models both paths over 10-, 20-, and 30-year time horizons. The report shows which assumptions actually tip the answer one way or the other.

• Good follow-ups: What if cash yields fall by two points? What is the break-even return?

How would a recession impact my portfolio?

This is a common worry amongst investors and financially savvy individuals. Silvia Research turns this vague worry into a true risk exposure overview. Silvia looks at your portfolio, income stability, cash runway, debt payments, and goals over a two-year recession (or however long you model for). It then uses past recessions as reference points and keeps evidence clearly separate from assumptions. At the end, you get a cited report you can save as a PDF and begin to leverage to help protect yourself against downside risks.

• Good follow-ups: Which part of my financial plan breaks first? What should I have in place beforehand?

Which investment fund fits my taxable brokerage account?

Investment fund fact sheets compare funds to each other. Silvia compares investment funds against your current portfolio. Name two or three funds and Silvia will cover costs, overlap exposures with current holdings, tax efficiency, liquidity, and other important metrics worth considering. Silvia then models how each fund will change your overall allocation, fees, and risk levels.

• Good follow-ups: Is there a lower-cost alternatives I didn’t list? What would switching cost me in taxes?

Silvia Research Keeps Working Around the Clock

A Silvia Research report is most useful when it connects to the rest of your financial life. Silvia does this in three unique ways.

• Keep it. Deep Research reports come back cited and can be saved as PDFs. On the Pro plan, files Silvia generates land automatically in the “Silvia’s Work” folder of your Vault, next to the documents that informed the report in the first place.
• Get it as a file. You can ask for the output in the format you need, such as an Excel workbook of every holding with cost basis, gains, and allocation by account.
• Put it on Radar. Turn one-time research into ongoing monitoring. A Radar can brief you each weekday morning on news, company filings, rating changes, and big price moves that affect what you own, ranked by how much of your net worth they touch.

The last point matters. Silvia Research tells you what is true today. Radar, on the other hand, tells you when the cold hard facts change.

A Few Practical Notes

• Silvia research is portfolio aware. Every report is built using your actual accounts and holdings. It is not designed for generic market commentary. This is why it is 100x more valuable than a standalone research tool.
• It is for one-time analysis, not ongoing monitoring. Silvia Research produces a single deep-dive report. If you want to be alerted when something changes, then that is a job for Silvia Radar, which is designed for regular portfolio and financial account monitoring.
• Usage counts against your monthly plan allowance. Chat, Radar, SMS, and Research all draw from the same shared monthly usage cap, which scales with your plan (Free, Pro, Max). You can check exactly where you stand anytime in Settings à Billing, under usage section.

How to Get Better Research from Silvia

The quality of an answer tracks the quality of the question. Silvia’s own guidance boils down to five habits:

1. Start with the decision: Say what you are trying to understand, compare, or change.
2. Name the constraint: Protect liquidity, avoid unnecessary taxes, mitigate risk, or hold a target date.
3. Ask for evidence: Request the financial accounts, holdings, transactions, and assumptions behind the answer Silvia provided.
4. Compare scenarios: Put a realist alternative next to the base case so trade-offs are readily available and visible.
5. End with action: Ask what to do now, what to monitor, and what would change the conclusion.

To try it, connect your main financial accounts and add relevant documents to Silvia Vault. Then pick one decision you have been putting off and Ask Silvia to run a Deep Research report on it. Silvia’s prompt library has more than 150 ready-made questions if you want a fresh starting point.