Penly is on a mission to make life-long financial advice accessible and affordable to all. Kourosh has a PhD in Mathematical Modeling and over 20 years of experience in financial advisory software development. He has started Financial Engineering as a study line at the Technical University of Denmark, where he taught as an associate professor. He was also part of the founding team at Financys ApS, which was acquired by Schantz ApS, now Keylane. Penly sees its role in the personal financial management space as an innovator within end-user engagement and overview solutions. Currently our focus is on pre-retirement and after-retirement planning for individuals.