AIRA

The Future of Digital Advisory Service is Personalised.

AIRA brings you dynamic, AI-driven, real-time financial advice — tailored to your goals, values, and life changes. 

Smarter Investing. 

Lower Costs. 

Human Values. 

Traditional robo-advisors rely on rigid questionnaires and fund portfolios. They ignore your changing goals, new opportunities, and evolving risk profile. They offer static and one-size-fits-all portfolios. But life isn’t static, and neither are your financial goals.

Our Solution

Technologies without dehumanisation. 

• Dynamic personalisation: Portfolios that learn and evolve with you.

• Goal-based investing: Align investments with real-life milestones (buying a house, retirement, etc.).

• Social-value customisation: Invest according to your personal values (ESG, CSR, etc).

• Tax optimisation: Smart strategies to maximise after-tax returns.

• Behavioural finance intelligence: Helping you stay invested smartly through market ups and downs and make you satisfied with your investments.

Technology

Designed to deliver smarter, safer, and more ethical investing.

Powered by 

• Behavioural Psychologists (Help the platform understand and anticipate investor behaviour)

• Financial Economists (Inform the underlying investment models)

• Financial Analysts (Enrich the platform’s knowledge base)

• Advanced Chatbots (Act as a 24/7 intelligent assistant and advisor)

• Advanced Tailored AI (Proprietary AI risk profiling and dynamic asset allocation models)

• Machine Learning Models (Machine-learning algorithms that optimise for client goals, tax situations, and ethical preferences)

• Real-time Data Analytics (Real-time asset prices and behavioural pattern analysis to reduce investor bias)

• Cloud-native, scalable infrastructure by Azure-ready deployment (Ensures fast, global, secure service delivery, elastic scalability)

How It Works

Investing Made Effortless with Happiness.

No paperwork. No jargon. Just results. 3 simple steps: 

1. Tell us about your goals. Short, intuitive onboarding to capture what really matters to

2. Get a dynamic, personalised strategy. Our AI builds a portfolio designed around your life, not a generic profile.

3. Track, adapt, and grow. We monitor markets and your goals to adjust your strategy automatically over time.

About Us

Academics Powered Business

AIRA was founded by Jay Liu, a PhD researcher specialising in AI-driven financial technology at the University of Bristol, together with his supervisors: Prof. Richard Harris and Dr. Manuela Pedio. After years of studying how investors behave — and where traditional financial human and robot advice fails them — we set out to build something better: 

An intelligent advisory platform grounded in academic rigour, 

powered by technology, 

and guided by a mission of financial inclusion.

FAQs

Finance needs innovation. Innovation needs integrity. We bring both.

• Is this only for high-net-worth individuals?
  No. Our platform is built for everyone — no minimum wealth requirements.

• How is AIRA different from other robo-advisors?
  We offer dynamic, goal-based, real-time personalisation — not static fund mixes.

• Is my data safe?
  Absolutely. We use encryption and secure cloud infrastructure to protect your information.

Contact Us

Be Among the First to Experience the Future of Robo-Advisory Service

Founder:

Chaojie (Jay) Liu

jay.liu@bristol.ac.uk

11-13 Tyndalls Park Road, Bristol, BS8 1PY, United Kingdom

Please state the purpose of your email. I welcome any questions or requests about collaboration, funding, products, etc. 

You can see a demo video here that illustrates the idea of AIRA in more detail.