Research & Data
Your portfolio, analyzed. Your next moves, prioritized.
No onboarding. No learning curve. No platform to figure out.
Timeline, risk comfort, what you're investing for. 5 questions. We build your target allocation.
Link via Plaid or enter manually. Read-only — we see positions and values, nothing else.
Fees exposed. Allocation gaps mapped. A specific, prioritized action plan you can execute yourself.
Every number explained. Every insight justified. No jargon, no black boxes.
"You have $847,000 across 4 accounts. 68% stocks, 27% bonds, 5% cash. Here's how that breaks down by geography and size."
"You're paying $4,200/year in fees across all accounts. Over 20 years, that compounds to $156,000. Here's exactly where it's going."
"You want 70% stocks, you have 68%. You want 20% international, you have 12%. Here's the gap visualized across 5 dimensions."
"Your fund charges 0.45%. This equivalent fund charges 0.03%. Same exposure, $3,800/year less in fees. Here are 6 more swaps like this."
"Do this first. Then this. Here's why, here's how, here's exactly what to click. Week 1: these 3 moves. Week 2: these 2 moves."
"If you make these changes, you'll realize $12,000 in gains. At your bracket, that's $2,400 in taxes. Here's how to minimize it."
Move the sliders. See your number.
The fee compounds against you — it's not just of your portfolio, it's of your growth.
That's money that could be compounding for you, not compounding for someone else.
1% advisory fee compounding against a $2.5M portfolio. That's before fund expense ratios. Exposed in 8 minutes.
Her 401(k) target-date fund charges 0.45%. Comparable index funds cost 0.06%. She didn't know.
These aren't worst cases. They're ordinary portfolios with ordinary fees. The math just hasn't been done for you before.
| Feature | Unmanaged | Financial Advisor | Robo-Advisor |
|---|---|---|---|
| Pricing | ✓ From $149 or $399/year | 1% AUM/year forever | 0.25%/year forever |
| Specific action plan | ✓ Account-aware, tax-aware, priority-ordered | Verbal advice, quarterly meetings | Generic rebalancing |
| Fee transparency | ✓ Every expense ratio surfaced + lifetime projection | Rarely disclosed in context | Partial — own fees only |
| Fund alternatives | ✓ Specific cheaper replacements with comparison math | Conflicts of interest | Limited to platform funds |
| Tax optimization | ✓ Account-type-aware insights | Varies by advisor | Basic tax-loss harvesting |
| Show the math | ✓ Every calculation visible and auditable | "Trust me" / black box | Algorithm, no visibility |
| Lock-in | ✓ None — cancel anytime | Annual agreements | Ongoing subscription |
You're smart enough to make your own decisions.
The industry just made it hard on purpose — burying the data you need behind jargon, fees, and quarterly meetings that say nothing. We give it back to you.
A specific, account and tax-aware plan to reduce fees, fix your allocation, and keep more of what you earn. Two reports/year + continuous drift monitoring.
Or try a single report for $149 — upgrade anytime, we credit the $149.
Not investment advice. We present data and options — every decision is yours.
Software analysis tool. No RIA registration required.
"I've been paying my advisor $18K/year for 'stay the course' advice. Unmanaged showed me I could save $140K in fund fees alone."
— Early beta user, $1.8M portfolio
"I thought my Fidelity 401(k) was fine. Turns out I was paying 6x more in expense ratios than I needed to. The action plan took me 20 minutes to execute."
— Product manager, $350K portfolio
"The report looks like something a $25K/year advisor would produce. Except it actually shows its math."
— Software engineer, $900K portfolio
Research, insights, and no-BS takes on fees, portfolios, and taking control of your investments.
Your portfolio, analyzed. Your next moves, prioritized.