Howard Chuang

Wealth management student & app founder

I study financial planning at Utah Valley University, build fintech products, and research how AI can support better financial decisions.

At a glance

Who I am

Financial planning student focused on fiduciary advising.

Piklo and practical workflow tools that solve real user problems.

Amicus internship, FinTech Center research, FPA challenge winner.

Credibility

I work across three lanes: client-first financial planning, academic fintech research, and real product execution.

[F] Finance

Built a quarterly client check-up SOP across six systems to improve consistency and advisor efficiency.

[R] Research

Researching AI financial coaching and self-efficacy with validated methods and publication intent.

[P] Product

Took an idea from concept to app submission while testing with a growing early user waitlist.

Projects

I care about process, not just output. Each project starts with a user problem, then moves through tradeoffs and iteration.

Mobile product design, user feedback loops, and cross-functional execution.

Research design for measurable behavior and confidence outcomes.

Operational system design that improves repeatability and quality.

Next step

If you are building in wealth management, fintech, or financial education, I would love to talk.