PRODUCT · BRAND · WEB  ·  2019 → 2025

From MVP to AI-Powered Wealth Machine

MoneyWellth started as an employer-sold financial education product: manual budgets, printable worksheets, and articles. I joined in 2021 as the founding marketing hire and made the case that growth only works if marketing and product are one team — then ran both. I led the full rebrand across product, web, and engagement channels; built the core product, feature set, and lifecycle funnel; and later rebuilt growth as an AI-native function, with the team designing and running agents for creative, campaigns, analytics, and competitive intel. Result: $250K to $17.4M ARR, 137K paid users, and CAC down 61%.

ROLE
Harrison Peralta — SVP Product Marketing & AI Growth Strategy. Founding marketing hire; runs growth and product as one team.
SURFACES
iOS, Android, moneywellth.com, and every lifecycle channel
SCOPE
Rebrand, core product and feature set, lifecycle funnel, and an AI-native growth function
OUTCOME
$250K → $17.4M ARR  ·  137K paid users  ·  CAC down 61%
01 — THE PRODUCT

From a worksheet to a wealth engine

Four moves, one scroll: the 2019 build, the 2025 product, the guidance layer, and the touchpoints that carry it.

KEEP SCROLLING
BEFORE AFTER
SCROLL
2019 · THE EDUCATION APP 2025 · THE WEALTH ENGINE
●●●●○ Verizon9:41 AM100% ▮
MoneyWellth
$ Welcome back, Harrison! Your Path to Financial Freedom
MY TOOLS
My Budget Worksheet
Spending Log
Savings Goal Tracker
Learning Center
Retirement Calculator
DOWNLOAD OUR FREE BUDGET KIT!
Over 40,000 worksheets downloaded
LEARNING CENTER
5 Steps to Your First Budget
How to Build an Emergency Fund
Understanding Your Credit Score
Home Budget Log Learn More
9:41
HP Dashboard
Current Monthly Budget
$5,000.00
$3,570.15 spent$1,429.85 left
Savings Progress 71% of $1,000
AI INSIGHT You’re on pace to save $620 this month.
Top Spending Categories See all
Mortgage/Rent$1,250.00
Groceries$620.45
Healthcare$310.20
Shopping$280.75
This Month at a Glance
$142.40 Saved vs last month 3 Goals on track -8% Spending trend
Dashboard Budgeting 4-Step Plan Resources Profile
9:41
AI Coach
THIS WEEK
You’ve saved $620 more than last October.
Groceries ran $50 over, but dining out dropped by $310. Net effect is positive.
Move $200 to savings Not now
Your Groceries budget is 110% used with 9 days left in October. Want me to shift $50 from Shopping?
Yes, and tell me what that does to my savings target.
Done. Shopping is now $200 and Groceries $550. Your $1,000 target is still reachable: Savings target71% → 74%
Do it — and remind me Friday.
Ask about your money…
Dashboard Budgeting 4-Step Plan Resources Profile
●●●●○ Verizon9:41 AM100% ▮
‹ Back My Budget Save
MONTHLY INCOME
Take-Home Pay$ 4,200.00
MONTHLY EXPENSES
Rent / Mortgage$ 1,920.00
Groceries$ 450.00
Utilities$ 240.00
Transportation$ 310.00
Insurance$ 168.00
Phone / Internet$ 145.00
Debt Payments$ 220.00
Entertainment$ 95.00
REMAINING $ 1,112.00
CALCULATE MY BUDGET
Enter amounts manually each month.
Home Budget Log Learn More
9:41
HP October Overview
Current Monthly Budget
$5,000
$1,999.99
Aug Sep Oct
Monthly Spending $3,466.50 Avg. Monthly Spending $3,246.50-12.4% ↓
Savings Target $1,000.00
Update Monthly Budget
Expenses Breakdown
Upcoming Bills Next 7 days
Mortgage/Rent Auto-pay · Nov 1 $1,250.00
Auto Insurance Auto-pay · Nov 4 $168.00
Dashboard Budgeting 4-Step Plan Resources Profile
9:41
HP 4-Step Plan
STEP 2 OF 4 62%
Crush high-interest debt
$6,680 of $10,800 paid down. At your current pace you finish in May 2027.
Build a $1,000 bufferCOMPLETE Funded in 7 months from automated round-ups.
2 Crush high-interest debtIN PROGRESS Two cards above 18% APR, paid highest-rate first. $6,680 paid$4,120 to go
3 Automate investingUP NEXT Route 15% of income to index funds on payday.
4 Build long-term wealthLOCKED Retirement, real estate, and tax-advantaged accounts.
Next check-in Nov 1 · review step 2 progress with your coach
Dashboard Budgeting 4-Step Plan Resources Profile
●●●●○ Verizon9:41 AM100% ▮
‹ Back Spending Log + Add
March February
Kroger03/12/19 · Groceries$84.19
Shell Gas Station03/11/19 · Transportation$41.02
Electric Bill03/09/19 · Utilities$116.40
Cheesecake Factory03/07/19 · Dining Out$62.77
Target03/05/19 · Household$137.55
Verizon Wireless03/04/19 · Phone$98.00
Starbucks03/03/19 · Dining Out$6.85
Rent — March03/01/19 · Housing$1,920.00
TOTAL LOGGED $2,466.78
8 of your expenses this month have been logged. Remember to add the rest!
Home Budget Log Learn More
9:41
Expenses Breakdown
October Total
$1,999.99
Top Spending Categories
Mortgage/Rent$80 left $170 spentBudget: $250
Healthcare$30 left $220 spentBudget: $250
Groceries$50 over $550 spentBudget: $500
Shopping$120 left $130 spentBudget: $250
View All Categories
See Latest Transactions
Latest Transactions See all
Whole Foods Groceries · Oct 28 -$86.40
Amazon Shopping · Oct 27 -$42.19
Dashboard Budgeting 4-Step Plan Resources Profile
9:41
HP Financial Snapshot
NET WORTH
$48,210.36
+$1,240 ↑ vs. last month
Checking $2,410.88
Savings $12,000.00
Credit -$1,204.55
Investments $28,940.03
Retirement $6,064.00
Add Account
Securely connected · updated 2 minutes ago
Goals 2 active
Emergency fund71%
Dashboard Budgeting 4-Step Plan Resources Profile
INBOX  ·  2 UNREAD
MoneyWellth8:04aYou are paying for three things… ChaseMonYour statement is ready VerizonSunAutopay confirmation MoneyWellthOct 2Your October in review
MW MoneyWellthto you  ·  Tue 8:04 AM
You are paying $214 a month for subscriptions. Three of them are unused.
Nothing has touched Peloton, Audible or Adobe in 60 days. Cancelling all three frees $84 a month — $1,008 a year — and we can route it to your emergency fund automatically.
Cancel the threeSee all subscriptions
MONEYWELLTH
EMAIL Lifecycle · monthly money review
Saturday, June 8 2:14
MONEYWELLTHnow Location indicates you are at West Gate Mall. $187 left in your shopping budget for this month. Be careful, 9 days remaining.
PUSH Location-triggered guardrail
MW MoneyWellth (844) 555-0132
Today 4:12 PM Large uncategorized transaction detected: $1,284 at Best Buy was detected on your Bank of America Credit card. Reply with S, H, W, or O – for Shopping, Home Essentials, Work, or Other category respectively. S Filed to Shopping category. $187 remaining on your shopping budget for this month.
Text message
SMS Self-categorizing transaction alert
Overview
PAYCHECK CLEAREDtoday $3,180.00 Split it the way your plan says, before it gets spent.
Bills$1,920 Emergency fund$640 Spending$620 Allocate now
IN-APP Payday allocation moment
01 / 04  ·  2019
The education app
A menu, not a dashboard. Every figure typed by hand each month, every purchase logged one at a time, then compared against the worksheet by eye.
02 / 04  ·  2025
The wealth engine
Headroom, trend and one action on open. Goals are the only input, and transactions arrive already categorized.
PRODUCT & DESIGN THESIS
I gave the team the three questions people open a money app to ask — how much is left, am I on track, what do I do next — and asked them to earn the fold in that order. From there the user states intent and the system does the arithmetic. Every field removed from the flow moved activation up, and no figure ships without the limit that makes it meaningful.
03 / 04  ·  2025
Guidance that acts
Advice reads the user’s own data and can be accepted in one tap. One sequence replaces four disconnected tools, and net worth carries the whole view.
PRODUCT & DESIGN THESIS
Mint marks the machine — one color reserved for AI — and the coach proposes only changes it can execute, with the consequence shown before the ask. Beneath it, four tools became one activation ladder carried by net worth: the retention metric our B2B2C distribution is sold against.
04 / 04  ·  2025
Journey & touchpoints
Email, push, SMS and in-app run as one system, triggered by the user’s own data.
PRODUCT & DESIGN THESIS
I mapped the full journey with my product and lifecycle teams — every touchpoint before activation, during activation, and across the customer lifecycle — and labelled each one: drop-off, friction, indifference, or high-value re-engagement. What we send, when, and on which channel stopped being marketing and became part of the product, segmented and triggered by behavior instead of a calendar.
FIVE RULES I SET, AND HELD

What every screen in the app had to satisfy

These were the standards I gave design and product, and the ones I held every review to.

01
Connected by default
If the data can be fetched, the user should not type it. Every field removed bought activation.
02
Progress over totals
Every number appears next to the trend that gives it meaning. Progress is the only thing worth returning for.
03
One plan, not four tools
A single sequence replaced a menu of utilities. The order is the advice.
04
Guidance in context
Advice sits where the decision is made, never without a one-tap way to act on it.
05
Engagement is product
The message, the moment and the channel are designed with the screen, not bolted on after it.
02 — THE REBRAND & THE WEB PRESENCE

A category change, not a refresh

A worksheet publisher was becoming a subscription money app sold direct and through employers, credit unions and schools. Position first, then messaging, then identity — an identity cannot fix a position. The old site was organized around a search term; I repositioned it around the situations people are in when they reach for a money app, and had the team rebuild it as the top of a self-serve funnel.

BEFORE — THE PUBLISHER

A website and a brand that no longer fit the product

$ MoneyWellth Your Path to Financial Freedom
THE POSITION
RETIRED
MoneyWellth is a financial education company.
Education publisher · promise was “learn the fundamentals” · funded by donations. Nothing on the site or in the identity pointed at a product.
2019
HOME
Sold the company and a worksheet. Seven nav items, no product anywhere on the page.
moneywellth.com
$ MoneyWellthYour Path to Financial Freedom HOMEABOUTTOOLSEDUCATIONBLOGDONATECONTACT
Your Path to Financial Freedom Starts Here DOWNLOAD FREE WORKSHEET » LEARN MORE »
$ Manual Budgeting Tools READ MORE » $ Financial Education Center READ MORE » $ The Money Blog READ MORE »
42,000+WORKSHEETS DOWNLOADED218ARTICLES PUBLISHED96LESSONS5STAFF EDUCATORS
TOOLS & WORKSHEETS
The flagship tool was a manual table that reset every visit and ended in a printable PDF.
moneywellth.com/tools
$ MoneyWellthYour Path to Financial Freedom HOMEABOUTTOOLSEDUCATIONBLOGDONATECONTACT
BUDGETING TOOLS & WORKSHEETS
MONTHLY BUDGET CALCULATOR Take-Home Pay$ 4,200.00Rent / Mortgage$ 1,920.00Groceries$ 450.00Utilities$ 240.00Transportation$ 310.00Insurance$ 168.00Debt Payments$ 220.00 REMAINING$ 892.00 CALCULATE MY BUDGET Do the Math Yourself DOWNLOAD THE PRINTABLE PDF » Over 42,000 worksheets downloaded
EDUCATION CENTER
218 articles across eight categories. High-intent traffic arriving, and leaving, with nothing to activate into.
moneywellth.com/education
$ MoneyWellthYour Path to Financial Freedom HOMEABOUTTOOLSEDUCATIONBLOGDONATECONTACT
FINANCIAL EDUCATION CENTER  ·  218 ARTICLES
BUDGETING  |  8 MIN READ 5 Steps to Your First Budget CONTINUE READING » BUDGETING  |  8 MIN READ How to Build an Emergency Fund CONTINUE READING » BUDGETING  |  8 MIN READ Understanding Your Credit Score CONTINUE READING » BUDGETING  |  8 MIN READ Getting Out of Debt: Where to Start CONTINUE READING » Search articles…GO CATEGORIES Budgeting (54)Credit (38)Saving (41)Debt (29)Retirement (22)Insurance (17)Taxes (11)Investing (6) Get Our Free Weekly Money TipSIGN ME UP »
BLOG ARTICLE
Every post ended at the same yellow kit download. Content was the product rather than a route to it.
moneywellth.com/blog/…
$ MoneyWellthYour Path to Financial Freedom HOMEABOUTTOOLSEDUCATIONBLOGDONATECONTACT
HOME  »  BLOG  »  SAVING
5 Ways to Save $100 This Month Without Cutting Coffee MARCH 14, 2016  |  BY THE MONEYWELLTH STAFF  |  6 COMMENTS Small changes to your recurring bills add up faster than skipping small treats. POPULAR POSTS DOWNLOAD OUR FREE BUDGET KIT! Join 18,000 subscribers
THE 2019 KIT
Three lockups, four colors and three typefaces, none of them assigned a job.
COLOR BY PROPORTION
40%30%20%10%
Assigned by proportion, not by meaning.
THREE TYPEFACES
HEADLINE Take control TAGLINE Your Path to Financial Freedom BODY Arial ran every paragraph on the site.
Three moods, no hierarchy.
THE LOCKUPS
$ $ $ 38 · 26 · 18px
A gradient and a drop shadow that fell apart at 24px and below.
AFTER — THE PRODUCT COMPANY

One position, one system, one voice — carried by every surface

Position first, then messaging, then identity. One test per asset: does it do a job on screen, and is it recognizable without the wordmark? What failed was retired outright.

AFTER — 2025  ·  MONEYWELLTH.COM & THE BRAND SYSTEM
2025
moneywellth.com
FeaturesCompaniesSchoolsKnowledge Login Get Started
#1 Free Budgeting App For Money Management  → Make Money Simple with MoneyWellth Connect all your accounts in one place to effortlessly track spending, create budgets, monitor credit utilization, and build healthier financial habits—all within one simple app. Learn More Get Started
Insights CREDIT UTILIZATION Total Credit $4,747 of $21,000 Chase Bank | Southwest Rapid Rewards Ending in 0099 APR: 28.24%$3,587 of $4,000 Account InsightsSee All Checking$1,356 Savings$500 Credit$4,376 Investments$2,354 RECURRINGJUNE 2024 SPENDING INS…Spending Categories Budgeting Monthly Expense Breakdown October Total $2,968
AS FEATURED IN MarketWatch yahoo! finance U.S.News Money
Achieving Wealth Starts with Understanding Spending MoneyWellth’s tools are built to give you the clarity to know where your money goes, and what to change next.
SPENDING CATEGORIES January 2024$4,941.87 TRACKING Instantly see your accounts in one place, so you can see baseline spending and decide what to change first. BALANCE BUDGET$6,000 Linear Budget  $3,489Avg. Monthly Spending  $1,268 Stay on budget without spreadsheets. Balances update as transactions arrive, so the number is always current.
TrackingRecurring Transactions January 2024 Discover where your money is really going CREDIT UTILIZATION 28% Chase Bank | Ending 0099 APR 28.24%$3,587 of $4,000 Improve your credit score with clear guidance JANUARY CASH FLOW $1,922 Current monthly cash flow Income$6,250 Spending$4,328 Know exactly what’s left to spend
HOME
One promise, one primary action, and the product doing its job in the hero. Press logos carry the credibility the old testimonials could not.
moneywellth.com/knowledge
FeaturesCompaniesSchoolsKnowledge Login Get Started
Grow Your Knowledge Build your financial confidence with MoneyWellth. Explore videos, articles, calculators, and tips for all stages of your financial journey.
Topics AllCreditCurrent EventsEarningHealthLife EventsMoneyWellthPlanningWorkplace
VIDEOMONEY
WELLTH
Split a transaction in secondsOne grocery run, three categories, no spreadsheet.2 MIN WATCH
GUIDEMONEY
WELLTH
Sync a new account in three stepsConnect a bank, verify it, and watch balances update live.4 MIN READ
CALCULATORMONEY
WELLTH
Read your monthly cash flowSee what is left after bills, before you spend it.INTERACTIVE
Tap into smarter spendingEvery article ends where the product starts. Get Started
KNOWLEDGE
Two hundred loose articles became a routed hub: nine topics, one filter, and a signup at the end of every path.
moneywellth.com/features
Get Started A Smarter Way to Manage Your Money Connect it once and everything downstream — categories, limits, credit and cash flow — keeps itself current. Here is what happens after signup.
Step 01 Connect one account Link a bank in under a minute and the first month of history arrives already categorized. Step 02 Understand what is moving Spending, recurring charges and credit utilization are read from your own data, not entered by hand. Current Monthly Budget $5,000.00 $3,489 spent this month AI INSIGHTOn pace to save $620 this month. Step 03 Set the goal, not the spreadsheet State the target once. Limits, categories and alerts are generated and adjusted for you. Step 04 Get told what changed The app opens on the difference since last time, with one action attached to it.
FEATURE NARRATIVE
The feature story is told against a live screen instead of icons, so every claim sits next to the thing it describes.
MASTER NARRATIVE
Make money simple.
MoneyWellth is the money app that tells you what your own numbers mean — and what to do next.
COLOR PALETTE
6 roles
SURFACE ground DEPTH panels ACTION primary MINT machine SKY data ALERT over
Semantic, not proportional — every color carries one job.
TYPE & MARK
DISPLAY Take control of your money FIGURE $5,000.00 BODY Open Sans carries every sentence the product speaks.
62 · 44 · 30px
One form at three sizes — app icon, nav avatar, splash.
THREE PILLARS
Each names a claim and the proof behind it.
CLARITY
Everything in one place, in plain numbers.
Accounts connect in three steps; net worth sits on the first screen.
GUIDANCE
Advice that names your number and the next move.
Coach, guardrail and monthly review each end in one action.
MOMENTUM
Progress you can watch, month over month.
Net worth trend, goal tracking, and a review of what changed.
HOW I THINK ABOUT BRAND IN A PRODUCT COMPANY
Four positions I hold, and hire against
01
Distinctive beats decorative
Assets only compound if they survive a 24px tab bar, a text message with no logo, an employer’s benefits portal. Design for the worst reproduction first.
02
Color is a language, not a ratio
Give every color one job and users learn the system without being taught it. Mint means a machine is speaking; orange means over budget.
03
The brand is what you say at the worst moment
A $1,284 alert at 4:12 PM is more brand-defining than a homepage. I write the voice rule for the alert first, then apply it upward to marketing.
04
One product truth, two different sales
Consumer and B2B2C are not the same story. A household buys relief from a number it fears; an HR director buys a benefit that gets used and reported on. Two narratives, two proofs, one shared system.
03 — THE GROWTH ENGINE

Prove the channel, then hire the owner

As the founding marketing hire I ran every channel myself before anyone was hired to own it. No channel got headcount until it earned one. What came out of that is an engine, not a plan: rapidly test and kill losers quickly, scale spend on winners.

TEST
Lean, fast, and rigorious. Every channel proven first before a budget or a hire was attached to it.
KILL
Losers get killed quickly. Nothing gets sentimental budget because it was somebody’s idea.
SCALE
The few levers that survive contact with data take the spend — and keep taking it while they hold.
THE SURFACE
Google Meta YouTube LinkedIn Reddit SEO / AEO PR
Seven surfaces run in-house, each with its own read on incrementality rather than a shared attribution model.

Then I rebuilt how the team works

AI did not shrink the team. It widened what one person owns — so I redrew every scope around what each person armed with frontier models and their Claude agents can actually accomplish.

PRODUCT
Product managers ship product.
They build into staging themselves. Engineers review and release to production, which turns the roadmap from a queue into a pipeline.
DEMAND
Marketers own all channel inputs
Armed with Claude agents, they design and produce creative, and stand up dozens of dynamic landing pages tailored to high-intent keywords — then run the paid campaigns behind them across all seven surfaces.
PROOF
The person who finds the lever pulls it.
The same marketers run the deep analytics and incrementality tests that separate real lift from noise, and hold the authority to move spend onto what they prove.
2024 — 2026  ·  WHAT IT PRODUCED
141 %
ARR GROWTH
Across 2024–2026, on flat headcount — no channel team was added to get it.
$14
BLENDED CAC
An all-time low for the company, down 61% from $36, and scaling with spend.
5–10 ×
OUTPUT PER PERSON
Measured in work shipped by AI-first team members, not hours logged.

The worksheet publisher now runs like a product company — the brand, the app, and the growth engine are one system, operated by a team that ships.

FAQ — HOW THIS WORK GOT DONE

Frequently asked questions

Questions I get asked about product strategy, brand, and who owned what.

Straight answers on scope, sequencing, and the decisions behind the redesign — from hiring managers, founders, and the teams I’ve handed this system to.

OWNERSHIP

Who led the MoneyWellth product and brand redesign, and what did they own?

I did — Harrison Peralta, SVP of Product Marketing & AI Growth Strategy. I own positioning, brand identity, in-product voice, UX/UI direction, and the acquisition surface, and I lead both the growth team (marketing and design) and the product team. I set the direction and the standards; designers, PMs, and lifecycle marketers built against them.

What did you design yourself, and what did you direct?

I drew the identity system, the color semantics, the type hierarchy, the in-product voice rules, and the key screens shown in this case study. My design team produced the rest of the surface against those standards, and engineering handoff, lifecycle campaigns, and the web build ran through the same review. I approve anything that ships with the mark on it.

Why do product and marketing report to the same leader here?

Because I made the case to our CEO that product-led growth only works when marketing and product operate as one team. Split, marketing sells a promise the product hasn’t shipped and product ships features nobody asked for. Merged, every roadmap decision is informed by actual customer and user demand — and the brand is built inside the product, not on top of it.

BRAND AND POSITIONING

What’s the difference between brand strategy and brand identity in a product company?

Strategy decides what’s true and who it’s for. Identity is the system that makes it recognizable. MoneyWellth’s strategy was to stop selling worksheets and start selling a wealth engine; the identity — one mark, five semantic colors, two typefaces with assigned roles — is what carries that claim on every screen, receipt, and benefits portal.

How do you position one product for consumers and for employers?

One product truth, two different sales. A household buys relief from a number it’s afraid of; an HR director buys a benefit that gets used and reported on. Same product and same identity, but two narratives and two sets of proof. Writing one message for both audiences makes it weak for each.

How do you measure whether brand and product design worked?

In revenue and behavior, not preference. MoneyWellth went from $250K to $17.4M ARR, 137K paid users, and CAC down 61%. The operating numbers I hold are self-serve conversion, activation to a connected account, retention past ninety days, and support volume — a design that needs explaining shows up as tickets.

PROCESS

How does customer demand actually decide the roadmap?

Demand signals arrive before design starts: search and paid query data, sales-call objections, support tickets, onboarding drop-off, and what people type into the app when it can’t help them. If a feature can’t be traced to one of those, it doesn’t get built. The AI assistant existed because users were already asking the app questions it couldn’t answer.

How do you redesign an app without disrupting existing users?

Sequence it, don’t relaunch it. Connected accounts came first, then the AI layer, then the visual system. Names, colors, and locations changed only where the meaning behind them changed. Users kept their data, their categories, and their mental model of where things live — so the redesign read as the app getting better, not as a new app to relearn.

When should a company not rebrand?

When the product hasn’t changed. A new identity on the same experience is a cost with no compounding return, and customers read it as a distraction. Rebrand when what you sell is genuinely different from what you sold — MoneyWellth earned it by going from worksheets to connected accounts and an AI layer.