That's why we built Unmanaged.
The financial advisory industry is built on a simple arrangement: you hand over your portfolio, and someone manages it for you. In exchange, they take a percentage of your assets every year. Usually around 1%.
On a $500,000 portfolio, that's $5,000 a year. Over 20 years — accounting for growth — it's often more than $200,000. For what, exactly?
Quarterly meetings. "Stay the course" advice. A pie chart that looks the same every time. And the unsettling sense that you're paying a lot of money to not really understand what's happening with your own wealth.
Meanwhile, everything you need to make smart portfolio decisions — expense ratio data, allocation models, tax optimization strategies — is public information. It's not secret. It's not complicated. It's just never been assembled into a single, clear, honest tool that shows you the math and lets you decide.
Until now.
You are capable of making your own financial decisions. Not because investing is simple — it's not. But because when someone shows you clear data, explains the trade-offs in plain language, and gives you specific options with the math behind each one, you can figure out what makes sense for your situation.
The advisory industry has a conflict of interest. When someone profits from your wealth staying in their hands, they have an incentive to make the whole thing feel complicated enough that you never leave. We don't think that's malicious — we think it's structural. And we think there's a better model.
Transparency builds trust. We show every calculation. Every data source. Every assumption. If we can't explain the reasoning behind an insight, we don't include it. You can check our work. That's the point.
Flat annual beats percentage of assets. Your portfolio grows? Good for you — we don't take a bigger cut. We charge $399/year for 2 reports and ongoing drift monitoring. Same price whether you have $100K or $10M. That's how it should be.
Because that's the goal. Not unmanaged in the sense of neglected — unmanaged in the sense of you don't need someone else managing it for you.
Unmanaged is for people who want to understand their portfolio, not outsource it. Who want to see the math, not trust the advisor. Who want clarity, not dependency.
Your portfolio. Professionally unmanaged. By anyone but you.
Give every professionally unmanaged investor the same quality of analysis that wealthy families get from their advisors — without the fees, the conflicts, or the dependency.
"We show you the math. You decide."
Questions? Feedback? Partnership ideas?
We read every email and respond personally.
Not investment advice. Unmanaged provides portfolio analysis and educational content — all decisions are yours.