A personalized first-investor guide. You answer a short questionnaire about your emergency fund, debt, employer plan, monthly amount, goal, and horizon, and we generate a plan: where your next dollars should go, readiness gauges, a simple diversified mix, growth projections, and a dated first-year plan.

No. It recommends account types and broad fund categories — like a low-cost total-market index fund or a target-date fund — and a mix that fits your horizon. It never names specific tickers, funds, brokerages, or cryptocurrencies, and it never will.

No. The plan explains how accounts, diversification, fees, and taxes generally work, but decisions about your money belong with a fee-only fiduciary financial advisor. Nothing here is a recommendation to buy, sell, or hold any investment.

The plan will say so. If you have no emergency fund or you're carrying high-interest debt, those moves are ranked first and investing waits — except for an employer match, which is usually worth capturing regardless. An honest 'foundation first' beats selling investments at a loss to cover a car repair.

They're hypothetical illustrations at a clearly stated assumed annual return, compounded on your monthly amount. They are not forecasts. Real markets go up and down, sometimes for years at a time, and your results will differ.

During our introductory period every level is free.

2-6 minutes to answer, and the plan is emailed within a few minutes after that.

We only use your answers to generate your plan, and we deliver it by email. We don't ask for account numbers, and we don't sell your information.