For the investor who questions everything.

You're smart enough to manage your own money.

The portfolio audit and action plan your advisor won't send you.

Every fee you're paying

Advisory fees, fund expense ratios, and the hidden costs your quarterly report glosses over. Uncovered, totaled, sourced.

Performance, income & benchmarks

How your portfolio actually performed - vs. the S&P 500, a 60/40 blend, and the Bloomberg Agg. Your projected dividend & interest income, from real market yields. The performance section your old quarterly PDF nailed, rebuilt without the sales pitch.

Where your portfolio diverges

The gap between the portfolio you want and the one you actually have. The founder thought he was 60/40. The report said 99.5% US, 0% bonds.

What to do about it

A prioritized action plan. Tax-aware. Specific to your accounts. No advisor required to execute it.

Portfolio Health

Good - Room to Improve

High fees lower your score by 18 points

Advisory Fee (1% AUM) $12,400/yr

Fund Expense Ratios $3,200/yr

20-Year Compound Cost $524,000

Priority Actions

Switch to index funds - save $840/yr

Drop advisory fee - recover $12,400/yr

20-year impact: $524K kept invested

Target Alignment

Significant Drift

Off-target on 4 of 5 allocation dimensions

US Stocks +39% over

Bonds −30% under

International −5% under

Real Assets −9% under

Closing the Gap

Reduce US stocks by $232K (39% over target)

Add $180K in bonds - currently $0

Bring international up to 14% from 9%

Time-weighted return + projected dividend income

What the Numbers Say

S&P 500 would have added $24,800 more this period

Projected 12mo income: $14,260 (dividends + interest)

Real data from day one - no "data will appear soon"

/yr saved

Optimization Potential

Three High-Impact Moves

Priority-ordered to minimize tax drag

Taxable SELL $3,400 VTSAX → BUY VTI

Saves $840/yr in expense ratios

401(k) MOVE $12,000 in bonds from taxable

$2,400/yr in tax efficiency

Taxable BUY $5,200 VXUS

Closes international gap (9% → 14%)

Execute in Order

Action 1 alone delivers $840/yr (largest single gain)

Bond move is tax-free - 401(k) to 401(k)

Total time to execute: 4–6 weeks

View sample report →

Three steps. Ten minutes.

01 Tell Us Your Goals

Timeline, risk comfort, what you're investing for. 5 questions.

02 Connect Your Accounts

Link via SnapTrade or enter manually. Read-only - we see positions and values, nothing else.

03 Get Your Analysis & Plan

Real returns vs benchmarks. Income forecast. Fees exposed. Allocation gaps mapped. A specific, prioritized action plan.

Start Your Analysis →

A few of the insights. Zero jargon.

Every number sourced. Every insight justified. Every claim auditable.

The Full Picture

"You have $847,000 across 4 accounts. 68% stocks, 27% bonds, 5% cash. Here's how that breaks down by geography and size."

The Performance

"Your portfolio returned 11.4% this year. The S&P 500 returned 13.2%. That gap cost you $24,800. Here's exactly which positions dragged."

The Income

"You'll collect $14,260 in dividends and interest over the next 12 months, paid mostly in March, June, Sept, and Dec. Here's the calendar."

The Fee Reality

"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."

The Gap

"You want 70% stocks, you have 68%. You want 20% international, you have 12%. Here's the gap visualized across 5 dimensions."

The Alternatives

"Your fund charges 0.45%. This equivalent fund charges 0.03%. Same investments, $3,800/year less in fees. Here are 6 more swaps like this."

The Action Plan

"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."

The Tax Math

"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."

The Analysis

"Your portfolio in plain English. A full-paragraph synthesis of where you stand, what's working, and what isn't. Written so you can hand it to your spouse or your CPA."

See a Sample Report →

What your advisor will cost you over 20 years.

Move the sliders. See your number.

Advisory Fee 1.0%

Portfolio Size $500,000

Time Horizon 20 years

$331,274

in advisory fees

Assumes 7% annual return before fees

Without fee

With fee

Fee drag

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.

See your real numbers →

The number your advisor hopes you never calculate

Marcus, 47

Software engineering director · $2.5M across Schwab + 401(k) · Pays advisor 1% AUM/year

$1,656,000

in fee impact over 20 years

1% advisory fee compounding against a $2.5M portfolio. That's before fund expense ratios. Exposed in 8 minutes.

Priya, 34

Product manager · $400K across Fidelity + 401(k) · Self-managed, no advisor

$47,000

in excess fund fees over her career

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.

The analysis an advisor won't give you

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 portfolio adjustments
Performance reporting	✓ Real returns vs S&P 500, 60/40, Bloomberg Agg + income forecast	Quarterly PDF with a sales pitch buried inside	Returns only - no benchmark context
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-saving trades
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.

See what your portfolio is costing you →

Annual Membership

What could cost you $331,274 is

$399/year

Two reports a year. Continuous drift monitoring. Same price whether you have $100K or $10M.

✓ 2 full analysis reports - initial + 6-month check-up

✓ Continuous drift monitoring - we watch, you get alerts

✓ Portfolio Health Score (0–100) with every report

✓ Fee exposure with 5/10/15/20/30-year projections

✓ 5-part gap analysis - asset class, geography, market cap, style, sector

✓ Priority-ordered action plan - specific funds, accounts, amounts

✓ Tax considerations with estimated capital gains

✓ Interactive report + PDF export

Start Your Membership →

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

Latest from the Blog

Research, data, and the takes on fees the industry won't put in your quarterly statement.

Fees & Costs

Not a platform. A report.

Here's the math. Make your own decision.

Start Your Analysis → See a Sample Report →