Independent online financial advisor HelloWallet has raised USD12m in its second round of funding, which includes a partnership with lead investor Morningstar, an investment research company. HelloWallet uses behavioural psychology and statistics to give advice on debt, savings, budgets and investments aimed at low-to-middle income American workers. It works on the web, an iPhone app, and a feature phone text message system. Two Morningstar employees join HelloWallet's board of directors.
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