A full report, every section deeper than most advisors deliver in a year of quarterly meetings.
Why this report exists
This report started as a supplement to the one we got from a firm charging 1% of assets per year. Performance charts, contribution history, benchmark comparisons - the parts of the PDF that were actually useful. When we fired them, we lost that report and missed it. So we rebuilt it - sharper, faster, without the sales pitch buried inside. Then we added everything they skipped.
Hidden in Plain Sight
Your advisor has you in funds charging 0.72%. Index funds tracking the same benchmark cost 0.03%. That gap compounds to six figures over your investment lifetime.
Nobody Checks This
High-yield bonds in your taxable account? Growth stocks in your traditional IRA? The same fund in different account types has dramatically different after-tax returns.
The Silent Drag
Three different funds that all hold the same top 50 stocks. You think you're diversified. You're paying three expense ratios for the same exposure.
The Expensive Default
Your employer's 401(k) has 20 funds. The default target-date fund charges 0.45%. The S&P 500 index option charges 0.02%. We show you which actually make sense.
A snapshot of your entire household - total value, number of positions, Health Score (0–100), and cash drag percentage. Across every account, every holding.
Interactive charts. Asset allocation, geography, concentration. Not a single pie chart - a complete picture.
Your Health Score isn't a guess. It's weighted - alignment, fees, diversity - by how much each gap actually costs you in dollars.
Your portfolio is analyzed across 5 independent dimensions - not just one allocation chart:
We generate a starting model based on your risk profile. Then you explore - adjust any target and watch the analysis recalculate in real time.
Your current allocation vs. your target - visualized with grouped bar charts and gap tables showing exact dollar amounts for every category.
Tabbed views let you switch between all 5 dimensions. For each gap, we show how far off you are, in both percentage and dollars.
Not all gaps are equal - a 2% overweight in large-cap US equity matters less than a 2% gap in your bond allocation if you're 5 years from retirement. We flag the gaps that cost you the most first.
A single hero number shows your estimated lifetime fee exposure. Then an itemized breakdown: advisory AUM fees and fund expense ratios - each with annual cost and compounding projections.
Projection bars show the fee impact at 5, 10, 15, 20, and 30 years. This is usually the moment people realize what they've been paying.
We present it with the math, not with panic. A forward-path card shows what your data says you can do about it.
For every fund in your portfolio with a cheaper equivalent, we show you the alternative - side by side.
Not "consider low-cost index funds." Specific funds, specific tickers, specific expense ratios, and the 20-year savings for each swap. We have no financial relationship with any fund company.
| Your Fund | ER | Alternative | ER | 20yr |
|---|---|---|---|---|
| PAVE | 0.60% | VIS (Vanguard) | 0.10% | $14,200 |
| ARKK | 0.75% | VGT (Vanguard) | 0.10% | $4,200 |
| IVV | 0.03% | VOO (Vanguard) | 0.03% | - |
Unrealized gains and losses across every position. Your top contributors and detractors called out at the top.
Projected annual income from dividends and interest - sourced from real market yields, not back-of-envelope guesses. So you can see how much your portfolio actually pays you to hold it.
This is the performance section your old quarterly PDF nailed. We rebuilt it - sharper, and stripped out the sales pitch.
Every deposit, withdrawal, dividend, and fee since you connected your accounts - bucketed by month and charted against your current portfolio value.
For the first time, you can see what you've actually put in versus what you have today. Not what the brokerage app shows you on the homepage. The real number.
Fees are a separate bar. So is every dividend. No "miscellaneous activity" buckets hiding what's going on.
Time-weighted returns for each account in your portfolio. Taxable, IRA, 401(k), HSA, custodial - whatever you've got, broken out separately so you can see what's actually working.
Best and worst performer called out at the top. No more guessing which account is dragging the household down.
Monthly income shown as a bar chart, so the quarterly dividend pulse of your portfolio is visible at a glance. Useful when you're planning a year of cash flow.
Your portfolio's actual return plotted against the S&P 500, a 60/40 blend, and the Bloomberg Aggregate Bond Index - over the same time window.
Then we tell you, in dollars, what the gap cost you (or earned you) relative to just buying the S&P 500. No spin.
Honest time periods only. Year-to-date. Prior calendar year. Since we started tracking your portfolio. No fabricated "10-year return" for an account we've only seen for six months. If we can't measure it, we don't show it.
Want to see what this looks like?
Browse a complete sample report - every section, real data, interactive charts.
See a Sample Report →This is where everyone else stops. Other tools show you charts and projections. Then they leave you thinking "okay, but what do I actually DO?"
This is the part that would cost you $25,000/year from an advisor. If they even gave it to you this specifically. Most don't.
If you choose to act, here's how to sequence it. A week-by-week phased timeline:
Week 1
Deploy IRA Cash
No tax impact
Week 2
Simplify
Consolidate positions
Week 3
Diversify
Redeploy proceeds
Week 4
Verify
Confirm & document
IRA transactions first (no tax impact), then taxable account changes sequenced to minimize disruption. Each phase includes specific actions, accounts, and dollar amounts.
Tip: Splitting sales across Dec/Jan could keep you in the 15% bracket. Estimated savings: $2,100
Estimated capital gains from taxable account changes, shown at multiple tax brackets (15%, 20%, and with NIIT at 23.8%). Plus specific strategies to consider:
This is not tax advice. We present the data so you can have an informed conversation with your tax professional.
A side-by-side comparison of key portfolio metrics if all action plan options were implemented.
Risk level, equity/bond allocation, international exposure, cash drag, sector concentration, position count, and weighted average expense ratio - before and after, at a glance.
It's not just what you own - it's where you own it. The same fund in a taxable account vs. an IRA can cost you thousands over time.
We analyze which of your holdings are tax-inefficient (high dividends, frequent distributions, bond funds) and flag when they're sitting in the wrong account type.
Then we show the optimal location for each asset class - and estimate how much you could save by reorganizing.
Your portfolio tells a story about how you invest - and sometimes reveals patterns you didn't know you had.
We detect common behavioral biases that cost investors money: home bias, recency bias, loss aversion, and familiarity bias.
We're not here to judge. These biases are human. But seeing them clearly is the first step to deciding whether to act on them.
92% US allocation vs. 60% global benchmark
3 of top-5 holdings are 2023–2024 performers
2 positions held >18 months, each down 30%+
No single-stock concentration issues detected
72
/ 100
Owning 20 funds doesn't mean you're diversified. If they all move together, you have complexity without benefit.
We calculate the correlation between your holdings and score your actual diversification - not just how many line items you have.
A portfolio of 5 uncorrelated assets can be more diversified than 50 tech stocks. We show you which one you have.
A plain-language narrative of your portfolio findings. Not bullet points - full paragraphs explaining your portfolio composition, key findings, and important context.
Written so you can hand it to your spouse, your CPA, or read it yourself and understand exactly where you stand.
The language adapts to you. New to investing? We explain the basics. Experienced? We skip them. Your report speaks your language.
Overview
Key Findings
What to Do
Click any number in your report. You'll see the calculation.
Click any option. You'll see why.
Click any fund alternative. You'll see the comparison.
No black boxes. No "our proprietary algorithm determined."
Algorithms, yes. Proprietary, no. You can check our work. That's the point.
Not investment advice. Unmanaged provides portfolio analysis and educational content - all decisions are yours.