No downloads. No meetings. No ongoing relationship.
One analysis. One price. Your plan.
A short set of questions about your goals, timeline, and risk tolerance. No jargon. No trick questions. Nothing you need to look up.
We ask what matters:
— How old are you?
— When do you need this money?
— How do you feel about market drops?
— Do you work with a financial advisor?
That's the shape of it. Three minutes, tops.
Your answers drive the allocation model we build for you. Different goals produce different analyses. There's no "one right portfolio" — there's the right one for your situation.
3 of 7 questions
Connect through your brokerage's secure login. We get read-only access to your holdings — that's positions and values, nothing else.
We can never:
— Move your money
— Execute trades
— Access your login credentials
— See your account passwords
Works with Schwab, Fidelity, Vanguard, E*Trade, and thousands more. If your brokerage doesn't connect, manual entry takes about 5 minutes.
Own a home? Have a side investment? Type it in naturally — "$800K primary residence" or "50K in Bitcoin." We handle the categorization.
Before we analyze your portfolio, we show you what your ideal allocation looks like — and let you adjust it.
Based on your risk profile, we generate a starting allocation model. Then you explore.
Move the sliders:
— What happens if I increase international exposure?
— What if I tilt toward small-cap?
— What if I'm more conservative than the model suggests?
Each adjustment comes with a plain-language explanation of what that choice means for your portfolio. No jargon. No "consult your advisor." Just information, clearly presented.
You leave this step understanding your own financial picture better than most people who pay advisors $25K/year.
"This is the first delivery of our brand promise. We're not asking you to trust us. We're helping you trust yourself."
Your report includes 10 sections:
— Portfolio Overview & Health Score
Total value, positions, cash drag, and a 0–100 score with allocation charts.
— Target Mix & Gap Analysis
5-facet analysis with interactive sliders. Where you are vs. where you should be.
— Fee Exposure & Fund Cost Comparison
Lifetime fee projections. Side-by-side fund alternatives with savings math.
— Action Plan & Execution Sequence
Priority-ordered actions with specific funds, amounts, and a week-by-week timeline.
— Tax Considerations, Before/After & Summary
Capital gains estimates, tax strategies, side-by-side comparison, plain-language narrative.
Every number is auditable. Every calculation is visible. See a sample report →
Your action plan is yours. Execute it today, next week, or next quarter. There's no expiration. No pressure. No follow-up call asking if you've "taken action on our insights."
Log back in anytime to reference your report. Adjust your target allocation and watch the analysis recalculate in real time.
When you're ready to run a fresh analysis — new holdings, changed goals, different life stage — grab another report or upgrade to the annual plan for ongoing check-ups and drift monitoring.
Come back when you want. Not when we tell you to.
It's yours. Reference it whenever you need it.
No emails asking if you've "implemented your plan."
Not investment advice. Unmanaged provides portfolio analysis and educational content — all decisions are yours.
Are we right for each other?
60 seconds. 5 questions. We'll tell you if Unmanaged can help you.
No email required. No sales pitch.
We'll be honest — even if the answer is no.
Take the Assessment →Full 13-section report. Same analysis as annual members. No subscription required.
Get Your Report →Or go annual at $399/year for 2 reports + drift monitoring. See all options →