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.

LIMITED: Beta Offer Available Click Here!

Help Me Choose a Membership

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

Free

Fees
$0/mo
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/mo minimum (yearly prepay)
0.025%/mo
For Accounts Between
$20,000 → $250,000
Who it’s for
People early in their investment journey. Account size is typically under one year of salary.
Benefits
Adds the Core bucket and Waterfall Algorithm—for straightforward growth.

Guide

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

Turbo

Fees
$400/mo minimum (prepaid quarterly)
0.1%/mo
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 access and custom algorithms—for power users.

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 membership 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 portfolio 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 typically under one year of salary (including retirement). Grow with our solid diversified low-fee ETF system.

Platform Fee: $39/mo
$29/mo if paid yearly
Fee details
Advisory Fee: 0.025%/mo
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 membership 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 portfolio bucket
  • Broad universe of ETF assets
Start Foundation

Guide— full membership details

Sweet Spot

Guide

Where most members land: Investments are typically 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/mo
$82.50/mo if paid yearly
Fee details
Advisory Fee: 0.05%/mo
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 membership 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 portfolio bucket
  • Access all assets including stocks and 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/mo
$400/mo if paid quarterly
Fee details
Advisory Fee: 0.1%/mo
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 membership right for me?

Best if…

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

Benefits

  • Includes everything in Guide
  • Add up to 10 portfolio buckets
  • Direct API access
Start Turbo

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
Investment Buckets 1 (Defensive) 2 (+Core) 3 (+Growth) Up to 10
Available Investments Defensive ETFs Broad ETFs ETFs, Stocks, Crypto Full
Trading Strategy Buy & Hold +Waterfall Wealth Algorithm +Advanced Algorithms Build Your Own
AI Financial Plan & Guide ✓ ✓ ✓ Advanced ✓ Custom
Prompt-driven ideas (e.g. themes) — — ✓ ✓
Advisor Reviews & Chat — — ✓ ✓
Direct API / custom algos — — — ✓

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

Sammy the Salmon, your AI financial guide

Our Iron-Clad Guarantee

Try the complete Waterfall Wealth system for 30 days. If you are not completely satisfied, get full account balance back with all platform and advisory fees refunded, including any prepaid amounts.

This guarantee covers platform and advisory fees only, not investment losses. Not applicable to Turbo membership.

30-Day Money-Back Guarantee

1

Try Everything

Full access to all features

2

See Results

Watch your portfolio performance improve

3

Keep or Return

Get full account balance back with all platform and advisory fees refunded, including any prepaid amounts

No hassle. No pressure. No questions asked.
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