Plain prices. No performance fees.
We charge a flat subscription for advice and a transparent rate for execution. There is no carry, no kickback, no spread you can’t see — and no upgrade conversation hiding inside an alert. Choose the tier that fits the book; change it when it doesn’t.
Director
billed via App Store
A licensed advisor in your pocket. Conversational intake builds a full financial profile; weekly memos and a dynamic action list keep it honest as markets and life move.
- ✓Full profile via Plaid + conversational intake
- ✓Personalised strategy by risk tier
- ✓Live portfolio monitoring with quiet alerts
- ✓Consultation report — in-app and PDF
- ✓Unlimited AI chat with audited responses
- ✓Education library, personalised
- —Trade execution not included
Autopilot
under $100k AUM
Everything in Director, plus autonomous execution within a policy you sign. Regime-aware tactical tilts, tax-aware lot selection, and a kill switch that closes the book at a word.
- ✓Everything in Director
- ✓Autonomous execution within your policy
- ✓Economic regime detection — tactical tilts
- ✓Tax-loss harvesting · HIFO, FIFO, custom
- ✓Reconciliation on every fill
- ✓Mandate-level kill switch
- ✓Plain-English transaction notes
Autopilot+
For investors with serious capital. Pricing scales with the book, capped at the size where additional basis points stop changing the answer. Includes 401k and held-away assets via Pontera.
- ✓Everything in Autopilot
- ✓401k & held-away assets · Pontera
- ✓Cross-account tactical management
- ✓Quarterly tax document generation
- ✓Annual mandate review · principal-led
- ✓Overage cap on $1m+ books
- ✓Direct line to the team that wrote the memo
What it costs
at your size.
Move the slider. The fee scales with the book and stops scaling at the size where additional basis points stop changing the answer — past $1m you’re paying for the team, not the AUM.
- < $100k$49 flat — Autopilot Standard
- $100k–$250k35 bps — Autopilot+
- $250k–$1m25 bps — Autopilot+
- > $1m20 bps · capped — overage absorbed
Read the full ledger.
Three tiers, one product. Director writes; Autopilot writes and acts; Autopilot+ does both across every account you have, including the 401k you can’t move. Everything below is included at the price shown — no add-ons, no upsell screens, no performance fee.
Director $19.99 / MONTH |
Autopilot $49.99 / MONTH · <$100K |
Autopilot+ FROM 35 BPS · $100K+ |
|
|---|---|---|---|
| Advice & intelligence | |||
| Conversational intakeBuilds a full profile from Plaid + dialogue | Included | Included | Included |
| Weekly memoSunday 20:00 ET, prose not panels | Included | Included | Included |
| Dynamic action list3–7 priorities, refreshed on market signal | Included | Included | Included |
| Unlimited chatCompliance-filtered, audited end-to-end | Included | Included | Included |
| Consultation report (PDF) | Included | Included | Included |
| Personalised education library | Included | Included | Included |
| Execution | |||
| Autonomous executionWithin the policy envelope you sign | — | Included | Included |
| Economic regime detectionTactical tilts on macro signal | — | Included | Included |
| Tax-loss harvesting | — | Included | Included |
| Tax-lot selectionHIFO default, FIFO or custom | — | Included | Included |
| Reconciliation on every fill | — | Included | Included |
| 401k & held-away assetsTrade inside Fidelity, Vanguard, Empower, etc. | Read-only | Read-only | Full management |
| Cross-account portfolio view | Included | Included | Included |
| Reporting & tax | |||
| Plain-English trade notesEvery fill, within 60 seconds | — | Included | Included |
| Quarterly performance report | Included | Included | Included |
| Tax document generation1099-style ledger + harvesting summary | — | On request | Quarterly |
| Annual mandate reviewPrincipal-led, in writing | — | — | Included |
| Controls & oversight | |||
| Mandate-level kill switch | N/A | Included | Included |
| Position caps & sector tilts | Director only | Enforced | Enforced |
| Liquidity floor | Director only | Enforced | Enforced |
| Compliance audit trailPer regulation, 7-year retention | Included | Included | Included |
| Surfaces | |||
| iOS app · iOS 16+ | Included | Included | Included |
| Web dashboard | Read-only | Full | Full |
| Sign in with Apple / Google / Email | Included | Included | Included |
| Biometric authentication | Included | Included | Included |
Six things you’ll
never see on the invoice.
A pricing page is a promise. Ours is short and we mean to keep it. The list below is what we will not charge for — explicitly, in writing, and audited the same way every memo is.
No performance fees.
We do not take 20% of your good year. We charge a flat rate and a basis-point line. Carried interest pulls the manager toward risk you didn’t sign up for; we’d rather get paid the same way every quarter.
No spread markup.
Trades route to the brokerage at the price the brokerage shows. We do not run a maker-taker rebate scheme behind the curtain, and we do not internalise flow.
No payment for order flow.
Your trades are not a product we sell to a market maker. Execution venue is selected on price and fill quality, audited per trade, reviewed monthly.
No cash sweep games.
Settlement-sleeve cash earns the brokerage’s posted rate. We do not skim a basis-point net interest margin between you and the money-market fund.
No upgrade ambush.
If your book grows past a tier, we tell you in the next memo and ask before we change the rate. The tier you signed is the tier you have until you say otherwise.
No cancellation friction.
Cancel from Settings. Settlement is within 24 hours. Custody never moved — your assets stay where they are, and so does your tax history.
Questions worth
asking up front.
The questions every prospective client asks on the first call, answered in writing so the call can be about something else. If yours isn’t here, it goes in the next week’s memo.
Who holds the assets?+
Your brokerage. We never take custody. Autopilot operates through your existing account — Schwab, Fidelity, Interactive Brokers, the rest — via the brokerage’s own API. If you cancel, your assets do not move. Neither does your tax history.
Why flat pricing on Pro Standard?+
Below $100k, basis-point pricing is a rounding error and an accounting headache. $49.99 a month covers our cost of running the system on your book and keeps the conversation about the strategy, not the invoice.
Above $100k, the math turns. Pricing scales with the book — and stops scaling at $1m, where another basis point doesn’t change the answer.
What about my 401(k)?+
Read-only on Director and Autopilot Standard — we see it, the memos account for it, but we don’t trade it. On Autopilot+, we manage it directly via Pontera, which lets us place trades inside your existing 401k without taking custody. Works with Fidelity NetBenefits, Vanguard, Empower, and most major recordkeepers.
Is this actually a registered advisor?+
Yes. AI Portfolios is backed by a licensed Registered Investment Advisor. Every recommendation passes through a compliance layer enforcing SEC Rule 206(4)-1 and FINRA Rule 2210, and every output is logged with a 7-year audit trail. Form ADV is in the footer.
What does the kill switch do?+
One tap pauses Autopilot before the next allocation window — no new trades, open positions held. A second tap closes the book at the next reasonable execution and returns to cash, settled within 24 hours. Both actions are logged and require biometric confirmation.
How is the AI different from a robo-advisor?+
Robo-advisors run a static Modern Portfolio Theory allocation and rebalance to the target. We run regime detection on top of that target — when the macro environment changes, the allocation tilts. The thesis is written down each Sunday, in prose, so you can disagree with it before the trades land.
What if you’re wrong?+
You’ll know about it on Sunday at 20:00 ET, in writing, before the next allocation window. We do not edit memos after the fact and we keep an archive of every call we’ve made. Past performance is not a prediction of future results — and we will not pretend otherwise on a marketing page.
Refunds, cancellations, taxes?+
Cancel any time from Settings. App Store subscriptions follow Apple’s refund policy. Web subscriptions pro-rate the current month. Tax documents for the prior year are generated by January 31; cancelling does not erase them.
Pick a tier.
Change your mind in writing.
Access is by introduction and short interview for Autopilot+. Director and Autopilot Standard are open to early-access subscribers as of Q2 2026.