Thirteen sections of analysis, each one deeper than what most advisors deliver in a year of quarterly meetings.
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.
SECTION 01
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 show your current asset allocation and geographic distribution at a glance. Not a single pie chart — a complete picture.
Your Health Score is a precise measurement across every dimension — alignment, fees, diversity — weighted by how much each gap actually costs you.
47
Portfolio Health Score
SECTION 02
Your portfolio is analyzed across 5 independent dimensions — not just one allocation chart:
We generate a starting allocation model based on your risk profile. Then you explore — interactive sliders let you adjust any target and watch the entire analysis recalculate in real time.
This is the first delivery of our brand promise. We're not asking you to trust us. We're helping you trust yourself.
SECTION 03
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.
5yr
10yr
15yr
20yr
30yr
$342,000
Estimated lifetime fee exposure
SECTION 04
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 drag 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.
SECTION 05
For every fund in your portfolio with a cheaper equivalent, we show you the alternative — side by side.
| Your Fund | ER | Alternative | ER | 20yr Savings |
|---|---|---|---|---|
| PAVE | 0.60% | VIS (Vanguard) | 0.10% | $14,200 |
| IVV | 0.03% | VOO (Vanguard) | 0.03% | — |
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.
Want to see what this looks like?
Browse a complete sample report — all 13 sections, real data, interactive charts.
See a Sample Report →SECTION 06
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?"
Priority-ordered action cards, each with:
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.
SECTION 07
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.
SECTION 08
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.
SECTION 09
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.
Before
Bonds
0%
Cash
15.8%
Int'l
5.4%
After
Bonds
7%
Cash
3%
Int'l
18%
SECTION 10
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.
ASSET LOCATION EFFICIENCY
$2,400/yr
Estimated tax drag from suboptimal location
SECTION 11
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
Over-concentration in US stocks when global diversification would reduce risk. US is ~60% of world markets — do you have 90%+?
Recency Bias
Chasing recent winners. Heavy positions in whatever performed well last year, regardless of valuation or fit.
Loss Aversion
Holding losers too long hoping they'll recover. That position down 40% — are you keeping it for a reason, or avoiding the pain of selling?
Familiarity Bias
Over-weighting companies you know. Just because you use Apple products doesn't mean AAPL should be 15% of your portfolio.
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.
72
True Diversification Score
Moderate correlation detected
SECTION 12
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.
SECTION 13
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 on your own and understand exactly where you stand — and what your options are.
The language adapts to you. Told us you're new to investing? We explain expense ratios and rebalancing in plain English. Said you're a professional? We skip the basics and use precise terminology. Your report speaks your language.
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.