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.

Advisory fees, fund expense ratios, and the hidden costs your quarterly report glosses over. Uncovered, totaled, sourced.
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.
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.
A prioritized action plan. Tax-aware. Specific to your accounts. No advisor required to execute it.
Read-only. We can't move a dollar.
We don't sell your data. We don't train models on it.
Delete anytime.
75
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
53
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%
−11.2%
vs S&P 500
Performance & Income
Trailing the Market
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"
$0
/yr saved
Optimization Potential
Three High-Impact Moves
Priority-ordered to minimize tax drag
1
SELL $3,400 VTSAX → BUY VTI
Saves $840/yr in expense ratios
2
MOVE $12,000 in bonds from taxable
$2,400/yr in tax efficiency
3
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

One report: what it costs, where it drifted, what to do this month.

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A few of the insights. Zero jargon.

If we can't show the math, we don't put it in the report.

Your Full Portfolio, visualized

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."

Performance vs Benchmarks

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."

Dividend & Interest Income

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."

Fees Exposed

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."

Gaps Exposed

The Gap

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

Alternative Funds Offered

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."

Action Plan

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."

Tax Details

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."

Plain-English Analysis

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

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 ✓ Free Fee X-Ray, then $149 once or $399/year 1% AUM/year forever 0.25%/year forever
Fee transparency ✓ Every expense ratio, plus what it costs you over 20 years Rarely disclosed in context Partial - own fees only
Specific action plan ✓ Which fund, which account, how much. In order. Verbal advice, quarterly meetings Generic portfolio adjustments
Show the math ✓ Every calculation visible "Trust me" / black box Algorithm, no visibility

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

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

✓ 4 full analysis reports - one every quarter
✓ 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

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Here's the math. Make your own decision.

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