Built for investors who've taken control of their financial future — and want institutional-grade intelligence that was never built for them. Until now.
Real examples of what our intelligence layer finds when it reads your portfolio — the kind of insights that used to require a $250k advisory relationship.
Three steps to institutional-grade clarity — in minutes, not months.
Link your Schwab, Fidelity, Robinhood, Vanguard, or crypto accounts in 60 seconds via read-only connection. Your money never moves.
Our AI analyzes your complete financial picture across all accounts. Allocation, fees, tax treatment, cash flow, retirement trajectory — all of it at once.
Fractr shows you what the data means. Every decision stays yours. We surface the intelligence — you decide what to do with it.
Robo-advisors manage your money. Advisors charge for it. Generic AI tools don't understand it. Fractr just makes you smarter about it.
Every feature is built to show you what the data means — never to tell you what to do.
Upload trusts, wills, estate plans, and statements. AI reads and organizes everything — surfacing what matters when it matters.
Data aggregationComplete allocation analysis across every connected account. Fees, concentration, risk profile — all benchmarked against your actual goals.
AnalyticsSee how your income is classified — tax-free municipal income, qualified dividends, ordinary income — and what it means for your lifetime tax picture.
Tax intelligenceYear-by-year retirement income projection across every source. Social Security timing, withdrawal sequencing, income gap analysis.
Planning intelligenceWhen markets move you see the estimated impact on your specific portfolio — with historical context on similar drawdowns. Data, not panic.
Real-time intelligenceRetiring early? Selling a business? Social Security timing? Model any major decision and see the projected impact before you commit.
Decision intelligenceMonte Carlo simulation across 1,000 scenarios. Probability of success, trajectory analysis, and the variables that move your number most.
Planning intelligenceEstate questions, liquidity events, tax strategy — connect with a licensed professional when complexity demands it. No retainer, no minimum.
Human backstopFractr grows with you — from building wealth to living on it.
Fractr is powered by frontier AI technology built for complex financial reasoning — not a generic chatbot repurposed for money questions.
Multiple accounts, tax situations, estate documents, and long-horizon planning — analyzed together, not in isolation.
Reads your entire trust, estate plan, and tax return simultaneously — complete context produces more accurate intelligence.
Built on models designed with safety as a core principle — not an afterthought. Your most sensitive financial data deserves that.
Institutional intelligence shouldn't require an institutional budget.
Connect your accounts and see your complete financial baseline. The intelligence layer that shows you where you actually stand.
The full intelligence platform. Everything you need to manage your wealth with institutional clarity — at a fraction of what you'd pay an advisor.
Everything in Intelligence plus on-demand access to licensed financial professionals for complex decisions — exits, estate planning, major liquidity events.
Join the founding waitlist. Early members get free access first, locked pricing forever, and direct input into what gets built.
Founding member access is limited. We'll be in touch personally within 24 hours.
We connect to your financial accounts to read data — nothing more. Fractr never moves money, never stores credentials, and never sells your information. The trust you place in us with your financial picture is something we treat as a responsibility, not a product.
Fractr is a financial data aggregation and intelligence platform. Fractr is not a registered investment advisor and does not provide investment advice, portfolio management, or personalized financial recommendations. All content, analytics, projections, and scenario models are for informational and educational purposes only and do not constitute financial, tax, or legal advice. Past performance is not indicative of future results. Account connections are read-only — Fractr never moves, transfers, or manages your assets. Lending products referenced are provided by third-party licensed lenders. Fractr may earn a referral fee for introductions to lending partners.