This isn't a roadmap of things we haven't built yet.
These are things we will never build.
1.We don't charge AUM fees.
You will never pay us more because you saved more. Your success is not our revenue model.
2.We don't charge trailing commissions.
There is no ongoing skim from your portfolio.
3.We don't charge wrap fees.
No bundled fee structure that obscures what you're actually paying for.
4.We don't charge more for larger portfolios.
A $5M portfolio gets the same price as a $50K portfolio. The math is the math.
5.We don't charge for "annual reviews."
There is no recurring meeting that takes 30 minutes and costs thousands.
6.We don't sell insurance.
Not life, not long-term care, not disability, not annuities. Nothing.
7.We don't sell annuities.
No variable annuities, no fixed annuities, no indexed annuities. Ever.
8.We don't sell proprietary funds.
We have no house funds, no preferred fund families, no "recommended" products we profit from.
9.We don't sell estate planning services.
We don't draft wills, trusts, or power of attorney.
10.We don't sell tax preparation.
We are not a CPA firm. We don't file your taxes.
11.We don't sell retirement plans.
No 401(k) administration, no pension consulting, no employer plan sales.
12.We don't sell financial planning packages.
No $5,000 "comprehensive financial plan" that sits in a drawer.
13.We don't earn referral commissions.
Nobody pays us to send you to them.
14.We don't earn 12b-1 fee kickbacks.
We receive zero revenue sharing from fund companies. Zero.
15.We don't earn soft dollar compensation.
No research credits, no conference sponsorships, no indirect payments from brokerages.
16.We don't earn commissions on trades.
We have no incentive for you to trade more, less, or differently.
17.We don't earn front-load or back-load sales charges.
We don't touch your transactions.
18.We don't get paid more when you're scared.
Market volatility is not a revenue event for us.
19.We don't sell your personal information.
Not to data brokers, not to marketers, not to anyone.
20.We don't sell your financial data.
Your portfolio, your holdings, your net worth — none of it is a product we monetize.
21.We don't generate leads for financial advisors.
We are not a funnel. Your analysis doesn't end with "schedule a call with one of our advisors."
22.We don't generate leads for insurance agents.
Your risk profile is not a sales trigger.
23.We don't share data with "partners."
There are no affiliate relationships where your information is the currency.
24.We don't manage your money.
We never touch your accounts, never execute trades, never hold custody of your assets.
25.We don't require you to move your assets.
Keep your money where it is. We analyze it, you decide what to do.
26.We don't lock you into contracts.
No advisory agreements, no minimum engagement periods, no cancellation penalties.
27.We don't require minimum account balances.
$10K or $10M — the analysis is available to anyone who wants it.
28.We don't build dependency on a human relationship.
Your financial clarity should not evaporate when one person retires, quits, or goes on vacation.
29.We don't gatekeep financial knowledge.
Everything we show you — the math, the logic, the alternatives — is explained. No black boxes.
30.We don't run Monte Carlo simulations to scare you.
No "you have a 37% chance of running out of money" theater designed to sell ongoing advisory services.
31.We don't manufacture retirement anxiety.
We don't project catastrophic outcomes to justify recurring fees.
32.We don't use tax complexity as a fear lever.
We show you tax-aware ordering and let you decide.
33.We don't use market volatility to justify our existence.
Downturns are not sales opportunities.
34.We don't manufacture urgency.
No "act now," no "limited time," no "the market is changing and you need to rebalance immediately."
35.We don't make you feel incompetent.
The entire product is built on the premise that you are capable of making your own financial decisions when given clear data.
36.We don't claim fiduciary status while earning commissions.
We have no conflicts of interest to disclose because we have no conflicts of interest.
37.We don't recommend products we profit from.
When we show you fund alternatives, the only criterion is lower cost for equivalent exposure.
38.We don't push actively managed funds.
We have no incentive to recommend expensive funds over index funds. The math decides.
39.We don't create artificial complexity to justify fees.
Your portfolio doesn't need 47 holdings across 12 asset sub-classes. Complexity is not sophistication.
40.We don't use jargon to confuse.
Every term is explained. Every calculation is shown. If we can't explain it clearly, we don't include it.
Every number in your report is auditable. No black boxes. No opinions. No proprietary scores. Just math.
Fee calculations and allocation gaps are algorithm, not AI opinion. Repeatable. Auditable. Provable.
Every insight knows which account it belongs in, the tax implications, and the priority order.
We show options. Multiple fund alternatives with comparison data. You pick. We have zero incentive for you to choose one over another.
One price. One report. Your data stays yours.
The math is visible. You make every decision.
We have exactly one incentive: build something useful enough that you tell your friends about it.
Start Your Analysis →Not investment advice. Unmanaged provides portfolio analysis and educational content — all decisions are yours.