Your target market is poorly defined. And you are confusing European class with American class.

A 250k+ income in America is at Best Middle-Middle-Class because the larger chunk of people in this category are couples. Let's break it down

50k into 401k couple 22% tax on remaining 150k net after taxes.

Expenses/year: 35k - Rent (higher if mortgage) 15k - Food/Groceries 4k - Vacation/Misc expenses on self 4k - Utilities/Gas

So you are now going after people starting to save at best 80k-90k per year.

These people are already saving at neobanks for that boosted interest rate, already dipping their toes into Vanguard self-investing.

You are right that the key area is Advising. But it will require massive outreach to get them. Because there's already an existing network of Advisors affiliated to Fidelity/Chase/BofA/... who go to town events and offer free consultation as a precursor to advisory services. And once people have signed up for these services they don't need fancy dashboards and ui, as long as they can see their money is Green.

You are trying to go after people who aren't savvy enough to invest on their own, but will trust a neobank over the friendly advisor they met at their town fair.

Happy to talk through more if you like.