Financial clarity —
for you, your family, or your clients.
Institutional-grade investment analysis, retirement planning, and tax optimization — finally accessible to everyone who needs it.
Available in three tiers · Individual · Family · Advisor (RIA)
ClearView
Take charge of your own financial future. Connect your accounts, see your true investment performance, and run the planning simulations most advisors charge thousands for.
- ✓Risk Profile · Wealth Builder · Retirement Simulator · Roth Optimizer · SS · Roth Calc
- ✓Investments · Banking & Cash Flow · Balance Sheet · Transactions
ClearView Family
Be the financial anchor for the people you love. Help aging parents, adult children, and newly independent family members get organized — without becoming their advisor.
- ✓Full planning suite for each family member
- ✓Unified family financial dashboard
- ✓Each person connects their own accounts
- ✓Advisor-style view — without the regulatory burden
ClearView RIA
A full client management platform. Onboard clients with a magic link, run planning simulations for each one, and manage your entire book from a unified advisor dashboard.
- ✓Full client roster management
- ✓Per-client: performance, planning, Roth, retirement
- ✓Magic link onboarding — no client portal to build
- ✓Firm-level data control & audit trail
Read-only access · We can’t move your money · AES-256 encrypted · Zero data sales · 12,000+ institutions via Plaid
ClearView
Become the fiduciary of your own financial life.
Take control of your own financial future. The planning and analysis tools your advisor uses — without the AUM fees, commissions, or conflicts of interest. Yours to use, whenever you want, as many times as you want.
Duty of Loyalty
No commissions. No AUM fees. No product recommendations. ClearView has no incentive except your clarity.
Duty of Care
Monte Carlo simulations, true IRR, tax optimization — every decision grounded in institutional-grade analysis.
Duty of Disclosure
Hidden fees surfaced. Real returns calculated. IRS limits projected. The numbers your brokerage statement doesn't show you.
Duty of Confidentiality
AES-256 encrypted. Never sold, shared, or monetized. Export or delete everything, anytime.
Plan from first contribution to last RMD.
Six institutional-grade planning tools — Social Security timing, Roth conversion optimizer, retirement simulation, wealth accumulation, investment risk, and the only annual Roth Calc with in-kind conversion tracking — in one place.
All Investors · Know Your Risk
Risk Profile
A 6-question investment risk questionnaire that scores your risk tolerance and detects drift between your stated profile and current allocation. Know if your portfolio actually matches your risk appetite — before volatility forces the question.
- ✓6-question scored risk questionnaire
- ✓Tolerance score: Conservative → Aggressive Growth
- ✓Drift detection: stated vs actual allocation
- ✓Risk badge visible across all planning tools
Millennials & Gen Z · Accumulators
Wealth Builder
“Compound interest is the eighth wonder of the world.” Project your 401(k) and savings to retirement with Monte Carlo simulation. See year-by-year exactly how much IRS headroom you have, when catch-ups kick in, and what % of income maxes you out.
- ✓2,000 Monte Carlo trials · correlated asset returns
- ✓IRS contribution limits with COLA projection
- ✓SECURE 2.0 super catch-up (ages 60–63)
- ✓Year-by-year income growth vs contribution trajectory
Boomers & Gen X · Pre-Retirees
Retirement Simulator
10,000 Monte Carlo trials. Correlated asset-class returns, stochastic inflation, the Blanchett spending smile. A “confident through age X” headline — not a probability you have to interpret. Spending sensitivity heatmap, SECURE 2.0 RMD schedule.
- ✓10,000 trials · stochastic inflation · Blanchett spending curve
- ✓Fan chart: p10/p25/p50/p75/p90 percentile outcomes
- ✓Spending heatmap: retirement age × monthly withdrawal
- ✓SECURE 2.0 RMD schedule (age 73 / 75 by birth year)
Tax Optimization · Any Age with Pre-Tax Accounts
Roth Conversion Optimizer
Exactly how much to convert, which tax bracket to fill, whether IRMAA constraints bind, and what the strategy saves over your lifetime — year by year, with a full conversion schedule. Most advisors can't model this in real time. ClearView does it instantly.
- ✓2026 tax brackets + standard deductions + COLA
- ✓IRMAA Medicare surcharge guard (often the binding constraint)
- ✓Pre-tax vs Roth balance trajectory through RMD age
- ✓Estimated lifetime tax savings vs no-conversion baseline
Pre-Retirees & Retirees · Claiming Strategy
ClearView Social Security
Enter your SSA benefit table — ClearView computes every break-even, cumulative payout by age, survivor benefit impact, IRA withdrawal offset, and IRMAA exposure for each claiming age. Know exactly when early vs. delayed claiming pays off.
- ✓Break-even age for every claiming pair
- ✓Cumulative payout chart through life expectancy
- ✓Survivor benefit & IRA withdrawal offset
- ✓IRMAA and SS torpedo zone detection
Annual Tax Planning · In-Kind Conversion Tracking
NEWClearView Roth Calc
The only Roth conversion tool that closes the loop between plan and execution. Model this year's bracket headroom and IRMAA cap in real time — then log every actual conversion as it happens, whether it's cash or an in-kind share transfer, and track your progress against the annual goal all year long.
★ New — Generates a branded PDF report with full conversion activity log. Save to client vault (Advisor & Family tiers).
Your complete financial picture — always current.
Four tools for tracking what you have, what you owe, where your money goes, and how your investments are actually performing.
All Investors · Portfolio Analysis
Investments
True money-weighted returns (IRR) — not time-weighted like your brokerage reports. See exactly how your deposits, withdrawals, and market moves combine into your real return. Asset allocation breakdown, fee analysis, and ETF look-through.
- ✓True IRR / money-weighted return calculation
- ✓Asset allocation: equities, fixed income, cash, alts
- ✓Fee analysis — expense ratios surfaced across holdings
- ✓ETF look-through: ~80 major ETF constituent profiles
All Investors · Spending & Cash Flow
Banking & Cash Flow
Connect checking, savings, credit cards, and liabilities via Plaid. Transactions are automatically categorized — groceries, dining, utilities, subscriptions. Monthly trends, by-category drill-down, and cash flow analysis show exactly where your money goes.
- ✓Checking, savings, credit cards & liabilities via Plaid
- ✓Auto-categorized transactions (20+ categories)
- ✓Monthly income vs. spending trends
- ✓Category drill-down with full transaction history
All Investors · Full Financial Picture
Balance Sheet & Net Worth
A proper Statement of Financial Position — every asset and liability, one accounting view. Investments, real estate with satellite maps, Plaid-linked mortgages, auto loans, crypto, precious metals. Net worth to the dollar, tracked over time.
- ✓Auto-synced via Plaid + manually entered real estate & alt assets
- ✓Crypto (11 coins) & precious metals (XAU/XAG/XPT/XPD) with live prices
- ✓Net worth sparkline — 90-day history tracked automatically
- ✓Mortgage & liability balances via Plaid Liabilities
All Investors · Transaction History
Transactions
Excel-style transaction grid across all your bank and investment accounts. Every transaction auto-categorized with sub-categories — override any category or sub-category to suit your own system. Drill into any category to see the full transaction list. Investment transactions: buys, sells, dividends, reinvestments.
- ✓Unified view: bank + investment transactions
- ✓20+ categories with sub-categories · manual overrides
- ✓Category & sub-category drill-down overlays
- ✓Filter by month, account, category, or search
- ✓CSV export — full history, any date range
Up and running in minutes
Connect your accounts
Link via Plaid — 12,000+ institutions. Fidelity, Schwab, Vanguard, Chase, and more. Read-only, always. Or upload CSV if you prefer.
See the complete picture
Your balance sheet populates automatically: investments, real estate, mortgages, crypto, precious metals — net worth in one place.
Plan your entire future
Run the Wealth Builder to optimize your 401(k). Simulate retirement with 10,000 scenarios. Find your Roth conversion sweet spot.
ClearView Family
Be there for your family — financially.
The people you love need financial clarity too. Now you can give it to them — without becoming a licensed advisor, without the regulatory burden, and without the awkward money conversations.
Maybe your parents are approaching 70 and you're not sure if they have enough. Maybe your son just started his first real job and you want to make sure he's maxing his 401(k). Maybe your daughter is inheriting a lump sum and has no idea what to do with it. Maybe your recently widowed sister has never managed the finances before.
These aren't clients — they're family. You're not advising them professionally. You're just trying to help the people you care about most make better decisions with the money they have.
ClearView Family gives you an advisor-style view of their financial picture — so you can be the anchor they need, without overstepping.
Who it's built for
Aging Parents
Mom and Dad are in their 70s. Are they spending down too fast? Is the IRA going to last? Run a retirement simulation together — or just check in on their balance sheet without asking uncomfortable questions.
New Grads
Your son got his first real paycheck. You know compound interest matters here — but does he? Help him model the difference between maxing his 401(k) and just contributing the match. 40 years of math speaks louder than a lecture.
Newly Widowed
Your sister has never managed the finances. She's overwhelmed and grieving. Help her get organized — connect accounts, see where everything stands, map a path forward. You don't need credentials to be helpful.
Newly Retired
Your parents just retired. Should they take Social Security now or wait? Convert the IRA before RMDs hit? These are exactly the questions ClearView was built to answer — and you can run the scenarios together.
College Kids
She's 22 and has $8,000 saved. Should it go in a Roth IRA or a brokerage? What's the tax difference over 40 years? Real numbers, not financial advice. The kind of clarity that builds lifelong habits.
Ready to be the financial anchor for your family?
Start 14-Day Free TrialHow ClearView Family works
You set up their profile
Create a family member in your ClearView Family dashboard. You manage the workspace — they connect their own accounts securely via Plaid.
They connect, you see
They receive a private link and connect their accounts. You get an advisor-style view: balance sheet, investments, spending, planning scenarios.
Plan together
Run retirement simulations, Roth conversion scenarios, wealth projections — together or on their behalf. Save PDFs to share at the kitchen table.
Custos™ Financial Safety Monitor
IncludedA silent overnight guardian for every family member you monitor. Custos watches for the early warning signs of financial exploitation, overspending, and missed bills — so you can step in before a small problem becomes a crisis.
Nightly analysis · Immediate email alerts for high-severity flags · Weekly digest every Sunday
Important: ClearView Family is a financial organization and analysis tool, not an investment advisory service. It helps you view, organize, and analyze financial data — it does not provide investment recommendations or financial advice. Always consult a licensed professional for advice specific to your circumstances.
ClearView RIA
Give your clients the clarity you expect for yourself.
A complete RIA platform — not a repurposed consumer app. Every planning tool, every client, one advisor dashboard. From onboarding to annual review, in one place.
ClearView RIA gives you the full planning suite — Retirement, Roth, Social Security, Growth, Cash Flow, Balance Sheet, Investments — for every client, from day one. No per-module licensing. No feature tiers. Everything included.
Clients connect once via a private magic link. You see their full picture instantly. Your staff can run reports, manage the document vault, and coordinate the consent flow — the whole firm works from one platform.
Full Client Roster & Team Management
Manage your entire book from one dashboard. Invite associate advisors and staff with role-based access. Your assistant can run the full planning workflow — scoped to their advisor's clients.
Complete Planning Suite Per Client
Retirement simulation, Roth conversion, Social Security timing, wealth accumulation, cash flow, balance sheet, and risk profile — all in one workspace per client.
Client Document Vault
A secure per-client document vault. Save firm-branded PDF reports, upload external documents, and share via secure link — all organized by client.
Firm-Level Data Control
Client data is scoped to your firm. Full Plaid sync audit trail. Designed with SEC exam readiness in mind.
Branded PDF Report Generation
One-click branded PDFs for retirement, Roth, and growth planning — with firm header, methodology appendix, and optional client email delivery.
Custos™ — Real-World Spending Calibration
IncludedMost retirement plans are built on what clients think they spend. Custos closes that gap. Monitor a client's actual transaction patterns for 60–90 days — then build their retirement income target from ground truth, not guesswork.
That's a level of service most advisors can't offer. It's also how the best financial plans actually hold up in retirement.
Your clients' history compounds too.
Plaid gives institutions a rolling window. ClearView permanently stores everything it syncs — building multi-year trend data that only grows more valuable over time.
Year-over-year fee comparisons. Multi-year return trends. Cash flow patterns across market cycles.
Year 1
Returns, fees, allocation, and a real spending baseline for each client's first full year.
Year 2
Year-over-year comparison. Are fees trending up? Is the plan still on track?
Year 3+
Multi-year trends. How did the portfolio actually perform through volatility?
Simple, honest pricing
No AUM fees — ever. 14-day free trial on every plan.
Currently in invite-only beta — pricing finalizes at launch. Early adopters lock in introductory rates.
ClearView
Full planning suite for your own finances
Premium $19.99/mo · Annual saves 2 months
- ✓2–3 connected institutions via Plaid
- ✓Planning Suite: Risk Profile, Wealth Builder, Retirement Simulator, Roth Optimizer, Social Security, Roth Calc
- ✓Financial Suite: Investments, Banking, Balance Sheet, Transactions
- ✓Real estate, crypto & precious metals
- ✓CSV upload fallback
ClearView Family
Financial clarity for the people you love
Premium $39.99/mo · Annual saves 2 months
- ✓Everything in ClearView, plus:
- ✓Multi-member family dashboard
- ✓Per-member: full planning & financial suite
- ✓Shared institution pool (6–8 connections)
- ✓Magic link onboarding for each member
- ✓Custos™ spending monitor — included
- ✓PDF reports & document vault
ClearView RIA
Full platform for independent advisors
10 clients · 1 advisor seat · all features included · $2,990/yr
- ✓Full planning suite for every client
- ✓Custos™ client spending monitor
- ✓Firm document vault per client
- ✓Branded PDF report generation
- ✓Magic link client onboarding
- ✓Multi-advisor team + staff management
- ✓Add clients from $4–5/client/mo
- ✓Additional advisor seats $49/mo
All plans include a 14-day free trial. · No AUM fees, ever. · Annual billing saves 2 months on every plan.
Compare plans
| Feature | ClearView | ClearView Family | ClearView RIA |
|---|---|---|---|
| Planning Suite | |||
| Risk Profile (investment risk questionnaire) | ✓ | ✓ | ✓ |
| Wealth Builder / Accumulation Planner | ✓ | ✓ | ✓ |
| Retirement Simulator (10,000 Monte Carlo trials) | ✓ | ✓ | ✓ |
| Roth Conversion Optimizer | ✓ | ✓ | ✓ |
| ClearView Social Security (SS timing & break-even) | ✓ | ✓ | ✓ |
| ClearView Roth Calc — bracket waterfall, IRMAA guard, SS torpedo + YTD in-kind conversion log with withholding tracking | ✓ | ✓ | ✓ |
| Financial Suite | |||
| Investments (true IRR / money-weighted returns) | ✓ | ✓ | ✓ |
| Banking & Cash Flow (checking, savings, credit cards) | ✓ | ✓ | ✓ |
| Balance Sheet & Net Worth Tracking | ✓ | ✓ | ✓ |
| Transactions (Excel-style grid, categories, CSV export) | ✓ | ✓ | ✓ |
| Real Estate Holdings | ✓ | ✓ | ✓ |
| Alternative Assets (Crypto & Metals) | ✓ | ✓ | ✓ |
| CSV Upload Fallback (no Plaid required) | ✓ | ✓ | ✓ |
| Connected Accounts | |||
| Plaid-connected institutions | 2 base / 3 premium | 6–8 shared pool | Unlimited via client bundles |
| Additional institution add-on | $5/mo each | $5/mo each | — |
| 14-day free trial | ✓ | ✓ | ✓ |
| Multi-Person Management | |||
| Family member profiles | — | ✓ | — |
| Managed client roster | — | — | ✓ |
| Magic link onboarding | — | ✓ | ✓ |
| Advisor-style view per person | — | ✓ | ✓ |
| Unified family / client dashboard | — | ✓ | ✓ |
| Multi-advisor team + staff roles | — | — | ✓ |
| Professional Tools | |||
| Custos™ spending monitor & anomaly alerts | — | ✓ | ✓ |
| Document vault | — | ✓ | ✓ |
| PDF report generation (firm-branded) | — | ✓ | ✓ |
| Plaid sync audit trail | — | — | ✓ |
| Client context switching | — | — | ✓ |
| SEC exam readiness design | — | — | ✓ |
| All plans include a 14-day free trial. | Get Started | Get Started | Apply → |
Connect with ClearView.™
The most important first step toward becoming the fiduciary of your own financial life.
By Fiducia AI Labs · Sarasota, FL
14-day free trial · No AUM fees, ever · Annual billing saves 2 months.
Common Questions
How does the free trial work?
Every plan starts with a 14-day free trial — no credit card required. At the end of your trial you can subscribe to continue. Your data stays safely stored and accessible when you return.
What is ClearView Family — is it the same as having a financial advisor?
No. ClearView Family is a financial organization and analysis tool, not an advisory service. It helps you view, organize, and analyze financial data for family members — it does not provide investment advice or recommendations. Think of it as giving you the same view a financial advisor would have, without the regulatory relationship. Always consult a licensed professional for advice specific to your situation.
How do institution limits work?
Individual plans include 2–3 connected institutions via Plaid (base vs. premium). Family plans use a shared institution pool — 6 slots on the base plan, 8 on premium — allocated across all family members however you choose. Additional institutions are $5/month each. ClearView RIA is priced by client count, not institutions — add clients in bundles from $4–5/client/month. CSV upload never counts against any limit.
How does ClearView access my accounts?
Via Plaid, the same bank-grade API used by major fintech platforms. We only read — never write. We cannot move your money, initiate transactions, or make any changes to your accounts.
How far back does my data go?
Plaid provides a rolling window that varies by institution — typically 90 days to 2 years of transactions. ClearView permanently stores everything it syncs from day one. The longer you're connected, the richer your history becomes.
What if my brokerage isn't on Plaid?
You can upload CSV exports from any brokerage using our templates. Schwab, Fidelity, Vanguard, and most major brokerages support CSV exports. Full functionality — no Plaid required.
What does "fiduciary" mean in this context?
A fiduciary acts in your best interest — not their own. Traditional financial advice often involves conflicts of interest. ClearView has no incentive to sell you anything: no commissions, no AUM fees, no product recommendations. We just show you the numbers.
I'm a financial advisor — is there an RIA plan?
Yes — ClearView RIA is live. $299/month includes 10 clients, 1 advisor seat, and every planning tool in the platform — Retirement, Roth, Social Security, Growth, Cash Flow, Balance Sheet, Investments, and Custos™ spending monitoring. Add clients in bundles from $4–5/client/month, and additional advisor or staff seats at $49/month each. Start a 14-day free trial from the pricing section above.
What happens to my data if I cancel?
Your data remains encrypted and stored. You can export everything as CSV or delete your account entirely from account settings — no questions asked.