Five months ago I launched our alpha product here and got roasted for basic math errors on our landing page. It was an early lesson for us in putting something out there and not meeting that moment and just being unprepared.

But here's what we've learned building a wealth management platform for the 95% of people who don't have $100K minimums:

Take Sarah (real user, fake name): 32, $85K income, $47K across three accounts. Traditional advisor wants $100K minimum. Betterment would put her in one of 5 risk buckets.

Fulfilled modeled her actual goals:

House down payment in 4 years in MCOL area: 60% global equities, 25% infrastructure equities, 15% short-term bonds.

Retirement in 28 years: 45% global equities, 30% U.S. Equities 15% private equity exposure, 10% emerging markets.

All low-cost ETFs trading on your existing brokerage. No transfers, no hassles.

Emergency fund: 100% money market, again, right in your existing brokerage or high-yield cash account.

Each portfolio uses the same institutional modeling (glidepath + 30+ asset class CMAs) that pension funds use. Simplified to 3-5 ETFs. She pays $10/month for the guidance. A traditional advisor would charge $400-650/year for functionally the same service."

Where we're headed:

The real unlock isn't just better portfolios, it's making financial planning actually stick. We're building toward AI-powered spending coaches that automatically categorize transactions and suggest budget optimizations that flow directly into your investment goals. The idea is to work with users and build financial habits that will last a lifetime, even if you move on from our little corner of the financial world.

Later this month: couples can invest toward shared goals together, we make doing your own tax-loss harvesting super simple, and our "playbook" feature guides you through complex milestones step-by-step (when to get pre-approved for a mortgage based on your down payment progress, which retirement accounts to open for your situation, etc).

What makes this different now:

Non-custodial = no conflicts: We're not selling you our own funds or taking a cut of your assets. You keep everything where it is. We wanted this to be as simple and cheap as possible and the CAC of traditional financial institutions sky-rockets when you need to transfer any money.

Actual personalization: Your retirement portfolio looks different than your house fund, which looks different than someone else's retirement portfolio. Not 5 buckets - unlimited combinations, and we’re always looking to add more. We’ll be adding crypto & other alternatives as soon as possible via easy to invest vehicles.

Transparent modeling: We show you the asset class breakdowns and expected outcomes. No black box.

The offer:

We're launching on Product Hunt today and are now in open beta. Our product is and always will be free to try, but for anyone who signs up this week and uses code PHLAUNCH1 (Quarterly) or PHLAUNCH2 (Annually) you’ll get pro access for 3 months at $1 or one year at $30. The launch link is here if you feel so inclined as to upvote or contribute some feedback: https://www.producthunt.com/products/fulfilled?launch=fulfil...

More importantly - I want to know where we're wrong. What are we missing about how people actually want to manage money? What features matter vs vanity metrics?

Try it at www.fulfilledwealth.co - and if you hate the onboarding flow or think our asset allocation is garbage, tell me why. That's worth more than a sign-up.

Washington Post data breach impacts nearly 10K employees, contractors

I've created a website to track the team's activity

A Master Table of Truth: Lawyers Using AI

Redmine 6.1 is now available

Show HN: We charge $10/mo for wealth management that costs hundreds elsewhere

Brooks' Law

Turn Off and Journal Instead

Claude can identify its 'intrusive thoughts'

LLM Chat Platform for iOS, Android, Mac, Windows, and Linux

South Korean loan sharks target teen gamblers

Pequliar is a QR code based compact puzzle sequence

Show HN: AI-built tools with security by default

Proton Launches 8th Annual Lifetime Account Charity Fundraiser

Animalcules and Their Motors

All Intel GPUs Run on Raspberry Pi and RISC-V

Show HN: Open-Source NotebookLM Alternative

PDF to TXT Converter Online

Robinhood Offers to Bring Cash to Your Doorstep, for a Fee

Todo iOS app as simple as paper

Canada in the running to headquarter new defence bank

Show HN: Compute CLI – A universal sandbox SDK with direct browser access

A Hermetic, Transparent Soft Growing Vine Robot System for Pipe Inspection

Automated PDF Generation with Typst

You Can Just Buy Things

The Forty-Year Programmer

Rising Cognitive Disability as a Public Health Concern Among US Adults

Another weird planetary system has been found

Windows 11 Computer's Hidden Spy: The Dark Truth About TPM Chips [video]

The Monks in the Casino

Would you use an app that helps you collect and revisit favorite quotes?