Pricing
$399 a year if you want it checked every quarter. Same report either way.
Before you look at pricing...
Are we right for each other? We'll be honest - even if the answer is no.
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Upgrade anytime - we credit your $149
Under $100 a report, instead of $149 one at a time
Why annual members save 33%.
You can always upgrade later - and we'll credit your $149 toward the annual plan.
Get the full analysis for $149 once. If it changes how you see your portfolio, the annual plan is there. If it doesn't, $149 is what one quarter of advisor fees costs anyway.
Smart investors review their portfolio quarterly. Four reports matches the rhythm - at roughly 4% of what an advisor charges on a $1M portfolio.
We check your portfolio monthly. When it drifts more than 5% from your target, you'll know - without logging in obsessively.
Compare to $25K+/year for an advisor or $2,500/year for a robo. Same analysis depth, fraction of the price.
Move the sliders. See your number.
The fee compounds against you - it's not just of your portfolio, it's of your growth.
That's $399/year for Unmanaged vs. hundreds of thousands in advisory fees.
| Unmanaged | Financial Advisor | Robo-Advisor | |
|---|---|---|---|
| Annual Cost | ✓ Free Fee X-Ray, then $149 once or $399/year | ~$10K+/year (1% on $1M) | ~$2.5K/year (0.25% on $1M) |
| Over 20 years | ✓ ~$8,000 | ~$280,000 | ~$62,000 |
| What you get | ✓ Full reports + monitoring | Meetings + "stay the course" | Automated rebalancing |
| Fee transparency | ✓ Every fund fee revealed | Rarely discussed | Own fees only |
| Drift monitoring | ✓ Monthly, with alerts | Quarterly review (maybe) | Automatic, no visibility |
| Fund choices | ✓ Every fund, every brokerage | Platform-limited | Platform-only |
| Tax optimization | ✓ Tailored to each account type | Varies by advisor | Basic tax-saving trades |
| Show the math | ✓ Every calculation visible | "Trust me" | Algorithm, no visibility |
| You learn | ✓ Yes - educational | No - dependency model | No - automation model |
| Lock-in | ✓ Cancel anytime | Annual agreement typical | Ongoing, auto-renew |
| Touches your money | ✓ Never | Yes - full custody | Yes - full custody |
We're not saying advisors or robos are bad. We're saying you deserve to see the math before you decide.
Connect a brokerage read-only and it reads your actual transactions: every advisor fee charged, every fund priced against cheaper equivalents, and one dollar figure for what it all costs you in a year. No questionnaire, no card, nothing to cancel. The full report is a separate step.
Yes. $149 gets you the full analysis - the same report annual members get. No subscription required. If you later decide to go annual, we credit your $149 toward the $399.
Four full analysis reports per year (one per quarter), continuous drift monitoring with email alerts, and check-up reminders. Additional reports beyond the four are $99 each.
We check your portfolio monthly and send you a drift report when your allocation has shifted more than 5% from your target. It comes with the annual plan and is not sold separately.
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 4 per year is plenty.
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.
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.
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.
If we can't generate a meaningful analysis for your portfolio - say, you only hold cash or a single stock - we'll refund you. If we deliver the analysis and you don't like the findings, that's a different situation. The math is the math.
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.
Not investment advice. Unmanaged provides portfolio analysis and educational content - all decisions are yours.