Nottingham Forest turn to former Spurs head of medicine after team’s injury struggles

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Other platforms take a strictly analytical approach. Monarch Money has an integrated AI assistant that lets you query deep, multi-year transaction histories using natural language. You can ask it to surface spending patterns, optimize tax strategies, explain ETFs, or project net worth trajectories. Unlike Cleo, Monarch operates entirely as an advisor — it will analyze the data, but it won't autonomously move money or make trades on your behalf.

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"Attack vectors are accelerating faster than we can accelerate defence automation and protection," he says. "Are people moving fast enough to respond to the speed the threat is developing? Absolutely not."

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