The people
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About
Kristine Beese trained as an engineer in oil and gas, went to a bank for advice on her own money, and came away convinced the advice industry was not built for her. She earned an MBA, spent a decade working with institutional and accredited investors, and started Untangle Money in 2020. The company's argument is that conventional financial planning assumes a career path — continuous full-time work, steady raises, no caregiving gaps — that a large share of women do not have, and that a plan built on that assumption fails quietly and late. Untangle's product line answers that with financial planning sessions rather than product sales: its core offering, Untangle MINI, was priced at $499 plus tax, and an automated version launched on International Women's Day 2024 at $100 plus tax. The company also sells financial wellness programming to employers and runs education sessions in schools. On the TechTO stage in January 2026, Beese cited Statistics Canada data from 2019 showing the average Ontario woman has about four dollars of discretionary money for every hour she works.
Backers
No priced venture round is on the public record. Untangle Money pitched on CBC's Dragons' Den; the outcome of that pitch is not established here.
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Quick answers
What does Untangle Money do?
It provides financial planning built for women, on the premise that standard plans assume an uninterrupted full-time career. Its main product is a planning session, sold directly and also to employers as a financial wellness benefit; it does not sell investment products.
Who founded Untangle Money?
Kristine Beese, in 2020. She trained and worked as an engineer in oil and gas, took an MBA after a poor experience with a bank adviser, and spent about ten years working with institutional and accredited investors before starting the company.
Where is Untangle Money based?
Toronto. It serves Canadian women and its planning models use Canadian data and tax rules.
What did Beese say on the TechTO stage?
That the gap is structural, not behavioural. She cited 2019 Statistics Canada figures showing the average Ontario woman is left with about four dollars for every hour she works once fixed costs are accounted for, and argued financial plans should start from that number rather than from a generic salary curve.