FinAdvicer - Intelligent Financial Planning Platform

FinAdvicer is a comprehensive full-stack wealth management application designed for personal portfolio tracking and long-term financial projection. It integrates real-time market data with advanced Monte Carlo simulations to provide users with probabilistic forecasting of their net worth, accounting for inflation, life events, and market volatility.

Core Capabilities

1. Intelligent Portfolio Tracking

• Live Market Data: Real-time price aggregation for Global Stocks, ETFs, Mutual Funds, and Commodities (Gold/Silver) using the Yahoo Finance API (via Python Microservice).
• Asset Management: Centralized dashboard for managing diverse assets including Real Estate, Fixed Deposits, and custom investments.
• Resilient Data Pipeline: Automated fallback mechanisms ensure data availability even during API bottlenecks.

2. Advanced AI Projections

• Monte Carlo Simulations: The platform utilizes a dedicated Python ML service to run 10,000 simulations per asset using Geometric Brownian Motion (GBM). This provides a 90% confidence interval (Best, Worst, and Expected case scenarios) for future wealth growth.
• Inflation-Adjusted Forecasting: Financial goals and expenses are projected using variable inflation rates (e.g., higher inflation for Education/Healthcare vs. general lifestyle expenses).

3. Strategic Financial Planning

• Smart Insurance Analysis: Logic to differentiate between Term Life (finite premium term) and Health Insurance (inflation-linked premiums), preventing the overestimation of long-term liabilities.
• Life Event Modeling: Time-specific deduction of major expenses (e.g., Social Gatherings, Education) to ensure liquidity analysis is accurate for specific future years.
• Net Worth visualization: Interactive charts (Recharts) visualizing current vs. projected net worth with dynamic risk toggles.

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Technical Architecture

The application follows a Service-Oriented Architecture (SOA) separating the core logic from the computation-heavy data science layer.

• Frontend: React.js (Vite) for a responsive user interface.
• Backend: Node.js & Express.js for RESTful API management and secure data persistence.
• Database: MongoDB (Mongoose ODM) with schemas optimized for time-series financial data.
• ML Service: Python (FastAPI) microservice handling:
  • yfinance for historical market data.
  • NumPy/Pandas for vectorised Monte Carlo simulations.
  • Scikit-learn for predictive modeling foundation.

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Installation & Deployment

Prerequisites

• Node.js (v16+)
• Python (v3.9+)
• MongoDB (Local or Atlas)

1. Repository Setup

git clone <repository-url>
cd FinAdvicer

2. Backend (Node.js)

Navigate to the server directory, install dependencies, and start the API.

cd server
npm install
# Ensure .env contains PORT, MONGO_URI, and JWT_SECRET
npm run dev

3. ML Service (Python)

Navigate to the ML service directory and install requirements.

cd ml_service
pip install -r requirements.txt
python main.py
# Reference: See start_ml.bat for Windows automation

4. Frontend (React)

Navigate to the source directory and launch the client.

cd src
npm install
npm run dev

The application will be accessible at http://localhost:5173.

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License

This project is licensed for personal and educational use.