We’re challenging retail wealth management. Most individual portfolio optimization is fundamentally flawed because it’s static and ignores your specific goals.
I spent a decade helping some of the world’s largest investors build their portfolios. My co-founder built hundreds of financial plans for retail investors before backend engineering at Microsoft. We know the problem: traditional portfolio construction and maintenance approaches (like Modern Portfolio Theory) rely on myopic, static allocation.
This failure of methodology is why advisors ignore retail investors below $250k in assets and platforms push generic funds. Personalized, dynamic allocation is non-viable for them because the complex computation required is too difficult to scale manually.
We built the solution: a financial co-pilot that gives you a single clear picture of all your finances, and shows you how to achieve your goals with tailored, dynamic guidance. This is a scalable, non-custodial platform, unbundling advice from assets.
- Custom dynamic guidance: Get ongoing investment recommendations truly customized to you and your specific goals. Our model continuously adjusts risk based on your time horizon and current portfolio state - an approach that studies show can increase goal achievement probability by 30%+ compared to traditional models.
- Tracking without transfers: Automatically track progress towards goals by securely connecting your accounts (API link with Plaid/SnapTrade). You never have to transfer a dollar; take our guidance and use it where you already invest.
- Total clarity: See a single, clear, unified view of household wealth, spending, and goals.
This wealth co-pilot is designed to guide and empower users to achieve their goals and build positive financial habits.
For a full review of our investment approach, please review our whitepaper: https://drive.google.com/file/d/1_WhcShE2G8eJJJuq1odsPq5BVAH...
Fulfilled is an SEC Registered Investment Advisor offering this automated platform across the US.
Check it out and give us your brutal, honest feedback on the clarity of the UX and the value that we offer.
Product link: https://www.FulfilledWealth.co
j_cmack•2mo ago
mattglossop•2mo ago
The no-custody aspect is really a starting place. We wanted to eliminate the usual friction that investment platforms impose in asking people to transfer their assets before receiving service. We think this is one of the biggest points of friction in financial services, and one which drives up CACs across the industry.
Functionally, what happens with our platform now is that we show you exactly what to invest in with specific ETFs to buy and keep you on track with regular rebalancing instructions. You then make those trades wherever you're already investing. Trades sync to our platform through an API connection (Plaid/SnapTrade) so you can see your progress towards your goal.
Our aim is to add a custody solution as well, letting users trade on the platform, but we always want to offer the non-custody solution as an entry point for users, making it super easy to get started and gradually earn user trust.