HelloWallet is an online personal finance software application that aggregates users' financial accounts to offer them a full financial map, allow for better financial goal-setting and planning, encourage users to stick to the plans they set, and proactively identify financial health threats and savings opportunities.  HelloWallet is completely independent from financial institutions and product providers.  Their mission to democratize access to trustworthy, sophisticated financial guidance has been widely honored, including at the Clinton Global Initiative's 2009 Annual Meeting.  HelloWallet will soon be available directly to consumers.  Currently the service is offered exclusively to employees of HelloWallet's institutional partners, which collectively represent over three million people.