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What is Unmanaged?
A wealth analysis tool that shows you exactly what you're paying — in fees, allocation gaps, and missed tax optimization — then gives you a specific, account-aware action plan to fix it. Try a single report for $149, or go annual at $399/year for 2 reports + drift monitoring. We never touch your money.
Who is this for?
Self-directed investors who want to understand their portfolio without paying an advisor 1% per year. Whether you're managing $50K or $5M, paying an advisor you're not sure about, or just want a second opinion on your own allocation decisions.
Do I need to know a lot about investing?
You need to know what a brokerage account is and roughly what you own. That's it. The report explains everything else — what each finding means, why it matters, and the math behind it.
What does the analysis include?
A full 13-section report: Portfolio Overview & Health Score, Target Mix, Gap Analysis, Fee Exposure, Fund Cost Comparison, Action Plan, Execution Sequence, Tax Considerations, Before & After Comparison, Asset Location Optimization, Behavioral Insights, True Diversification Score, and a plain-language Analysis Summary. See our What We Analyze page for full details on each section.
How accurate is the analysis?
The financial calculations — fee projections, allocation gaps, fund comparisons — are deterministic algorithms, not estimates. The math is exact. Fund data is sourced from public filings. The only subjective element is the allocation model, which is based on your risk profile and established portfolio theory.
What if my portfolio is already well-optimized?
Then your report will show that. A high health score, low fee drag, and minimal gaps. We don't manufacture problems. If your allocation is solid, we'll tell you. You still get the full analysis confirming it.
Do you handle 401(k) accounts?
Yes. If your 401(k) connects through Plaid, it works like any other account. If it doesn't, you can enter your holdings manually. We analyze 401(k) fund choices specifically — including identifying whether your plan's default fund is unnecessarily expensive.
Does AI generate the report?
Parts of it. But the parts that matter most — the math — are not AI. Every fee calculation, allocation gap, fund comparison, and projected savings number comes from deterministic algorithms. The same inputs always produce the same outputs, and you can audit every number.
What does AI do?
Three things. First, classification — when you enter holdings manually or connect accounts with ambiguous positions, AI categorizes them into the right asset classes. Second, narrative explanations — the plain-language summaries that explain what your numbers mean and why they matter. Third, manual entry interpretation — turning "$100K in VTSAX" or "800K primary residence" into structured portfolio data.
What is NOT AI?
The numbers. Fee projections, allocation gaps, fund cost comparisons, tax estimates, diversification scores, health scores, before-and-after comparisons — all deterministic math. No LLM hallucination risk on anything financial. The AI writes the sentences around the numbers. The algorithms produce the numbers themselves.
Can I trust AI-generated content in the report?
The AI-generated narrative is always anchored to the underlying calculations. It's explaining math, not inventing conclusions. If a summary says "your fees are costing you $12,000 per year," that $12,000 came from a deterministic algorithm — the AI is just putting it in a sentence. Every claim in the report traces back to a calculation you can verify.
How does account connection work?
Through Plaid, the same service used by most major financial apps. You log into your brokerage through their secure portal. We receive read-only access to your positions and values. We never see your password.
Which brokerages are supported?
Plaid connects to thousands of financial institutions including Schwab, Fidelity, Vanguard, E*Trade, TD Ameritrade, Merrill Edge, and most others. If yours doesn't connect, manual entry is always available.
Can I enter holdings manually?
Yes. Type naturally — "$100K in VTSAX," "$800K primary residence," "50K in Bitcoin." We handle the categorization. Manual entry takes about 5 minutes for a typical portfolio.
Can you move my money or execute trades?
No. We have read-only access to your holdings. We can see your positions and values. We cannot move money, execute trades, or access your account in any way. This is by design.
Where is my data stored?
On encrypted servers. Your portfolio data never leaves our infrastructure. We don't send your holdings, account numbers, or personal information to third parties.
Do you sell my data?
No. Not to data brokers, not to marketers, not to financial advisors, not to anyone. This isn't a revenue line for us. See our full list of what we don't do.
Can I delete my data?
Yes. You can delete your account and all associated data at any time. Deletion is permanent and complete.
Who can see my portfolio?
You. That's it. Our systems process your data programmatically. There is no team of analysts reviewing your portfolio.
How much does it cost?
Three options: a single report for $149 (one-time), the annual plan at $399/year (includes 2 reports + drift monitoring), or standalone drift monitoring at $19/month after your first report. Compare any of those to the $10,000+ per year a traditional advisor charges on a $1M portfolio.
Can I try it before committing to annual?
Yes. Buy a single report for $149 — same full 13-section analysis annual members get. If you decide to go annual later, we credit your $149 toward the $399. No risk, no pressure.
What's included in the annual plan?
Two comprehensive wealth analysis reports per year (initial + 6-month check-up), continuous drift monitoring with email alerts, and check-up reminders. Additional reports beyond the two are $99 each. Annual members save 24% vs. buying everything à la carte.
What is drift monitoring?
We track your portfolio weekly and alert you when your allocation drifts beyond your target thresholds. It's included with the annual plan ($228/year value), or available standalone at $19/month after you've had at least one report.
What if I need more than 2 reports per year?
Major life event? Big inheritance? Switched jobs and rolled over a 401(k)? Annual plan members can purchase additional reports at $99 each, anytime. Most members find 2 per year is plenty.
What if I have a small portfolio?
Same price. A $50K portfolio gets the same analysis as a $5M portfolio. We don't scale pricing with your wealth — that's the model we're replacing.
Can I cancel anytime?
Yes. Cancel anytime from your account settings. You'll keep access through the end of your paid period. No tricks, no retention calls, no guilt.
What happens to my reports if I cancel?
Your existing reports remain accessible as read-only. You just won't be able to generate new ones or receive drift alerts until you resubscribe.
Will the price go up?
Probably, as we add features. But your renewal price is locked for as long as you maintain continuous membership. No surprise increases for loyal members.
Do you offer refunds?
If we can't generate a meaningful analysis — for example, you only hold cash — yes, full refund. If we deliver the analysis and you disagree with the math, we're happy to explain how any calculation works.
How is Unmanaged different from a financial advisor?
A financial advisor charges 1% of your assets every year, gives verbal advice in quarterly meetings, and often has conflicts of interest (commissions, proprietary funds). Unmanaged charges a flat fee, gives you a specific written action plan with exact funds and dollar amounts, surfaces every fee you're paying, and has zero conflicts — we don't sell products, earn commissions, or manage your money. You get the analysis an advisor should provide, without the ongoing cost.
How is Unmanaged different from a robo-advisor?
Robo-advisors (Betterment, Wealthfront, etc.) manage your money for you — they pick funds, rebalance automatically, and charge 0.25%/year forever. You don't learn anything. Unmanaged doesn't manage your money at all. We show you what's happening in your portfolio, explain what to change and why, and let you execute it yourself. Robo-advisors pick funds from their own platform. We show you alternatives across every brokerage — you keep your money where it is.
How is Unmanaged different from free tools like Empower or Morningstar?
Free tools give you a portfolio overview. Unmanaged gives you a specific action plan. Free tools show you pie charts. We show you "sell $34,000 of VTI in your taxable account and buy VXUS, saving $840/year in fees." Free tools are often lead-generation funnels for advisory services. We don't upsell you into anything — the report is the product.
Are you a financial advisor?
No. Unmanaged is a software analysis tool. We don't provide investment advice, manage assets, or make decisions on your behalf. We present data, calculations, and options. You make every decision.
Is this financial advice?
No. It's financial analysis. We show you math: fee calculations, allocation comparisons, fund alternatives with cost data. We present options, not recommendations. "Fund A costs 0.72%, Fund B costs 0.03%, they track the same index" is a fact, not advice.
Should I consult a financial advisor too?
If you want to, absolutely. Many users take their Unmanaged report to a fee-only (hourly) advisor for a second opinion. We think that's smart. We also think you'll find the report answers most of the questions you'd bring to that meeting.
Does my report expire?
No. Your analysis is yours. Log back in anytime to reference it.
Can I get a PDF?
Yes. One-click PDF export that looks like a professional advisor deliverable. Take it to your brokerage, share it with a fee-only advisor, or just keep it for reference.
Will you email me trying to upsell?
No drip campaigns. No "the market moved, are you worried?" emails. If you're on the annual plan, you'll get a monthly drift report when your allocation shifts more than 5% from your target — that's a feature you're paying for, not marketing. Otherwise, the only email you'll get is your report delivery.
We answer personally. Not a bot. Not a form that goes into a queue.
Email us and a person responds.