Simple, Transparent Pricing

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Link Your Portfolio. See Your Risk. Protect Your Gains.

One free analysis of your actual brokerage holdings. Unlimited private Risk Index for $20/mo — with zero-knowledge encryption: your holdings never readable by us or stored in plaintext long-term.

Your First Analysis is Free

  • Connect your brokerage via Plaid (read-only, secure)
  • Get complete 41-factor portfolio decomposition
  • Receive hedge recipes for your top 3 holdings
  • 7-day full access to your private Risk Index dashboard

No credit card required for trial. After 7 days, upgrade to Pro to keep unlimited syncs and insights.

Most Popular

Pro — Private Risk Index

$192/year
~$16/mo equivalentSave $48/year
  • Unlimited Plaid portfolio syncs
  • Weekly personalized risk insights via email
  • Automatic hedge recipe generation
  • 41-factor decomposition for all holdings
  • Zero-knowledge privacy: per-portfolio DEKs (GCP KMS wrapped)
  • Cryptographic shredding on sign-out, deletion, or 90-day inactivity
  • Privacy-preserving HMAC ticker checks
  • Priority support
Secured by Plaid
AES-256-GCM
Zero-Knowledge
Encrypted Before Storage
Shredding on Sign-Out
GCP KMS

We never sell, rent, or access your personal holdings — ever.

Works With Your Brokerage

Plus retirement accounts: 401k, IRA, Roth IRA · via Plaid

Frequently Asked Questions

For Investors

Risk is the single most important investment decision you make, yet it has traditionally been remarkably difficult to measure. Knowing your portfolio's risk—not just volatility, but where it comes from—helps you make better decisions. Our Learn page walks through the methodology in depth.

RiskModels uses the ERM3 hierarchical model, which is different from generic factor models. It decomposes your risk into three levels (market, sector, subsector) so you can see exactly how much exposure comes from the broad market versus your sector tilts versus your stock-picking. You get actionable hedge ratios (dollars of ETF per dollar of stock) and explained-variance percentages at each level—tools most platforms reserve for institutions.

Connect your brokerage via Plaid to feed the model with your actual holdings. From the Dashboard, click "Link Account" or "Connect Brokerage" to open Plaid Link. You sign in to your broker (read-only access)—we never see your credentials.

Plaid fetches your current positions and transactions, then we run them through the ERM3 hierarchical model. Your Private Risk Index, factor exposures, and hedge recommendations update automatically. Each sync refreshes this analysis.

Manage connections in Settings → Portfolio: add more brokerages or retirement accounts, refresh sync, or disconnect and cryptographically shred data. With Pro, you get unlimited syncs—update as often as you like.

Your holdings are processed securely on our servers with industry-leading encryption. Here is how it works: Plaid data is fetched using encrypted tokens, then your holdings are immediately encrypted with AES-256-GCM using a unique per-portfolio Data Encryption Key (DEK). The DEK itself is wrapped (encrypted) by Google Cloud Platform KMS. Your holdings' plaintext exists only briefly in memory during your active session and is never written to disk unencrypted. When you sign out, delete your account, or after 90 days of inactivity, cryptographic shredding destroys the DEK — making your encrypted data mathematically impossible to recover, even from backups.

Cryptographic shredding is the process of permanently destroying the Data Encryption Key (DEK) that protects your portfolio data. Because your holdings are encrypted with AES-256-GCM using a key that only exists in our secure infrastructure, destroying that key renders the encrypted data permanently irrecoverable — even if someone gained access to the database backups. This satisfies regulatory requirements for secure data disposal including GDPR "right to erasure" and FTC Safeguards Rule disposal standards. The shredding happens automatically on sign-out, account deletion, or after 90 days of portfolio inactivity.

After your free 7-day trial expires, you will retain read-only access to your dashboard but new syncs will be paused. Upgrade to Pro to restore unlimited syncs, weekly insights, and hedge recommendations. Your encrypted data remains secure and is automatically shredded after 90 days of inactivity if you don't upgrade.

Yes! Each portfolio gets its own unique encryption key. Connect multiple brokerages or retirement accounts, and we will analyze them individually. You can view consolidated risk across all portfolios or drill into each one separately. Each portfolio maintains independent encryption and can be shredded individually when you choose to disconnect it.

We support all major US brokerages and retirement accounts through our Plaid integration:

Retirement accounts: 401k, IRA, Roth IRA, and most employer-sponsored plans are also supported.

Don't see your brokerage? Contact us and we'll work on adding support. All connections are read-only via Plaid.

View full Investor FAQ

For Developers

View full Developer FAQ

For RIAs

View full RIA FAQ

General