Thanks for the feedback!

Yes, it is rudimentary for now -- it's a prototype after all. There's only one 'financial philosophy' built in to the algorithm, and it's quite conservative about lowering risk. But we think in the future it'll be useful to be able to switch philosophies with a single click.

Regarding life insurance, it only recommends it if you have a spouse, partner, or children. If not, it explicitly says, "Life Insurance: Until you have a spouse, a partner, or kids you probably do not need life insurance." If you're seeing something different it's a bug. I'd love a screenshot if you have one: victor@nickelhq.com