Membership That Grows With You

Your financial needs change over time. Start free, then upgrade as your wealth, goals, and complexity grow. Our plans are about half the cost of a traditional Investment Advisor.

'Guide' membership is FREE for 30 days — no payment required. Then your first paid month has a 30-day money-back guarantee. That's up to 60 days to see if it’s right for you.

Help Me Choose a Membership

Membership fees are based on the amount we manage for you, with a monthly platform minimum. Each membership has a recommended account size so you get the right level of service.

Free

Fees
$0 / Month
For Accounts Between
$100 → $50,000
Who it’s for
People building emergency savings and good financial habits.
Benefits
Defensive bucket, buy & hold. Start your wealth journey for Free.

Foundation

Fees
$29 / Month Minimum
0.025% AUM / Month
For Accounts Between
$20,000 → $250,000
Who it’s for
People early in their investment journey. Account size is under one year of salary.
Benefits
Adds the Core bucket and Waterfall Algorithm—for straightforward growth.

Guide

Fees
$82.50 / Month Minimum
0.05% AUM / Month
For Accounts Between
$50,000 → Unlimited
Who it’s for
People whose investments have begun to grow. Account size is over one year of salary.
Benefits
Adds the Growth bucket—the full three-bucket system with guidance most members need.

Turbo

Fees
$400 / Month Minimum (Prepaid Quarterly)
0.1% AUM / Month
For Accounts Between
$250,000 → Unlimited
Who it’s for
Active, full-time do-it-yourself traders who treat the market like a profession.
Benefits
Direct API / MCP access and custom algorithms—for power users.

Compare Memberships

Free Foundation Guide Turbo
Minimum Monthly Fee $0 $39 $99 $499
Monthly AUM Waived 0.025% 0.05% 0.1%
Account Minimum Balance $100 $20,000 $50,000 $250,000
Account Maximum Balance $50,000 $250,000 Unlimited Unlimited
Buckets 1 (Defensive) 2 (+Core) 3 (+Growth) Up to 10
Available Investments Defensive ETFs +Broad ETFs +ETFs, Stocks, Crypto +Alternative
Trading Strategy Buy & Hold +Waterfall Wealth Algorithm +Advanced Algorithms +Build Your Own
AI Financial Plan & Guide ✓ ✓ +Advanced +Custom
Prompt-Driven Themes — — ✓ ✓
Ask Sammy — — ✓ ✓
API / MCP Access — — — ✓

Illustrative summary; see disclosures for limits, fees, and eligibility.

Sammy the Salmon, your AI financial guide

Our Iron-Clad Guarantee

Try the Waterfall Wealth system for 60 days. If you are not completely satisfied, we will refund all platform and advisory fees you've paid, including prepaid amounts.

This guarantee covers platform and advisory fees only. It does not cover investment losses. You can withdraw your funds at any time.

60-Day Money-Back Guarantee

1

Try Everything

Free 30 day access to 'Guide' membership. No payment required.

2

Experience the System

Next 30 days of paid membership is guaranteed.

3

Keep or Return

You decide, no questions asked.

No hassle. No pressure. No questions asked.
  • RIA Oversight
  • SEC Registered
  • Full Transparency
  • Customizable
  • AI-Powered
Get started. It's Guaranteed

You made it this far • Start for FREE

Free— full membership details

Always Free

Free

Your on-ramp: Start a life-long financial journey without fees.

Platform Fee: $0
Fee details
Advisory Fee: Waived
Account Minimum: $100
Account Maximum: $50,000
Fees shown do not include brokerage costs. For example, transaction fees.

Is this right for me?

Best if…

You are building your emergency fund. You want disciplined, lifelong habits automated for you without platform fees or complexity.

Benefits

  • One 'Defensive' bucket
  • Up to 5 active assets in your bucket
  • Only defensive assets (ETFs)
Start Free

Foundation— full membership details

The Essentials

Foundation

Build a financial foundation: Investments are under one year of salary (including retirement). Grow with our solid diversified low-fee ETF system.

Platform Fee: $39 / Month
$29 / Month (Prepaid Yearly)
Fee details
Advisory Fee: 0.025% AUM / Month
You only pay platform fee or advisory fee, not both
Account Minimum: $20,000
Account Maximum: $250,000
Fees shown do not include brokerage costs. For example, transaction fees.

Is this right for me?

Best if…

You have emergency savings, total invested assets are under one year’s salary (including retirement). You want a clear plan that turns savings into momentum with low fees.

Benefits

  • Includes everything in 'Free'
  • An additional 'Core' bucket
  • Broad universe of ETF assets
Start Foundation

Guide— full membership details

Reach Your Goals

Guide

Where most members land: Investments are over one year of salary (including retirement). Get the full framework with real guidance to ensure you have enough for your future.

Platform Fee: $99 / Month
$82.50 / Month (Prepaid Yearly)
Fee details
Advisory Fee: 0.05% AUM / Month
You only pay platform fee or advisory fee, not both
Account Minimum: $50,000
Account Maximum: Unlimited
Fees shown do not include brokerage costs. For example, transaction fees.

Is this right for me?

Best if…

You have a year or more of salary already invested (including retirement). You want the full three-bucket framework to create long-term wealth. You value real guidance to navigate your unique financial situation.

Benefits

  • Includes everything in 'Foundation'
  • An additional 'Growth' bucket
  • Access all assets including stocks & crypto
Start Guide

Turbo— full membership details

Full Power

Turbo

Maximum sophistication for investors who want full control, custom algorithms, and deep market fluency—built for full-time operators.

Platform Fee: $499 / Month
$400 / Month (Prepaid Quarterly)
Fee details
Advisory Fee: 0.1% AUM / Month
You only pay platform fee or advisory fee, not both
Account Minimum: $250,000
Account Maximum: Unlimited
Fees shown do not include brokerage costs. For example, transaction fees.

Is this right for me?

Best if…

You want direct API / MCP access, custom algorithms, and maximum control.

Benefits

  • Includes everything in 'Guide'
  • Add up to 10 custom buckets
  • Direct API / MCP access
Start Turbo