How It Works

The simplest way to understand your portfolio.

Three steps. No advisor. No learning curve. Just answers.

Start Your Analysis →
Read-only access We never touch your money Secured by Plaid
Step 01

A conversation, not a compliance form.

A short set of questions about your goals, timeline, and risk tolerance. No jargon. No trick questions. Nothing you need to look up.

  • 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.

Tell Us Your Goals 3 of 5
How do you feel about market drops?
I check my portfolio daily and stress
I stay the course — it's long-term
I don't really follow it
Step 02

Link your brokerage in 30 seconds. Or type it in manually.

Connect Your Accounts Read-only
Fidelity Connected
Schwab Connect →
Vanguard Connect →
Secured by Plaid · We never see your password

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.

Step 03

See your ideal allocation. Adjust it. Understand it.

Before we analyze your portfolio, we help you identify your ideal allocation based on your goals — then let you explore.

  • Move sliders to adjust stock/bond/international mix
  • See plain-language explanations for every change
  • Lock in your target before we run the analysis

No jargon. No "consult your advisor." Just your numbers, clearly explained. Most people leave this step knowing more than they did after years of paying for advice.

Your Target Allocation Adjust freely
US Stocks 50%
International 25%
Bonds 20%
Cash 5%
Increasing international adds diversification but may increase volatility.
Your Report

Complete, auditable, yours.

Not a pie chart and a pat on the back.

  • Portfolio Overview & Health Score Total value, positions, idle cash costing you, and a 0–100 score with allocation charts.
  • Target Mix & Gap Analysis 5-part analysis. 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, and a plain-language narrative.

Every number is auditable. Every calculation is visible. See a sample report →

Portfolio Analysis Report Ready
74
Portfolio Health Score
3 priority actions identified
Hidden fees/year $4,200
Allocation gap 8% off target
Potential savings $3,800/yr
Your report never expires. No subscription required.

No subscription required

Come back when you want. Not when we tell you to.

Your report never expires

It's yours. Reference it whenever you need it.

We don't follow up

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 →
Try Before You Commit
$149

Full 13-section report. Same analysis as annual members. No subscription required.

Get Your Report →

Or go annual at $399/year for 2 reports + balance monitoring. See all options →

We show you the math.
You decide.

Start Your Analysis → See a Sample Report →