Anyone can track your money. Velira tells you what to do with it.
Family-office discipline for people whose money is complicated. Survival math, not vibes — the move your plan calls for, every day.
For people with complex wealth — equity, earnouts, a business, post-exit cash — who want one place that sees all of it.
Market −2.4%. “Buy options to play the bounce?” “No — your 2-year buffer already carries you. Not today.”see the exchange ↓Year one is $3,000 with the required $1,000 one-time white-glove onboarding — then $2,000/yr.
Instant self-serve · read-only · under 5 minutes · or book a consultation
Built by the founder for himself first — after selling his company, he needed one honest number.
- No AUM fee · cancel anytime · your broker stays yours
- Read-only · encrypted in transit & at rest
- Real humans when you want them — a dedicated CFP, CPA, or estate planner on the higher tiers
- Your data, never sold
Most money apps stop at the dashboard. Velira starts where they stop.
Tracking shows you what you have. Velira tells you what to do — every day, across everything you own.
The accounts no one else sees
Brokerage + business equity + earnouts + real estate + crypto + private lending. One living number, not a spreadsheet.
The math most advisors skip
Monte-Carlo runway (40,000 simulations per plan), tax-loss harvesting, rebalancing — checked every day against a 28-signal diagnostic library, not once a year.
The move for today
Not a report. One action — “Move $4.2K idle cash.” “Don’t buy options today.” “Harvest $1.1K in tax losses.”
Never panic-sell again.
The most valuable thing a coach can say is “not today.”
Anyone can build an AI that cheers you on. Velira will tell you you’re wrong — and show its work. It knows your real positions, your buffer, and the tape, so it can talk you out of the move you’ll regret. Here’s a real one.
From seven slivers to one honest number.
- Seven apps, each seeing a sliver of what you own
- A spreadsheet you stitch together — when you get to it
- An advisor meeting once or twice a year
- Red days decided by your gut, at the worst possible moment
- Everything — brokerage, business, real estate, crypto, private stakes — in one living number
- The one move your plan calls for today, with its “why” shown
- Storm Watch on the tape every trading day
- A coach that says “not today” on red days — and you still place every trade at your own broker
While you sleep, Velira watches.
Velira distills the whole market into one calm score and only speaks when something real changes — so you can stop refreshing the news.
“Storm Watch moved from Calm to Watch. Volatility spiked and credit spreads widened — but your two-year cash buffer means you don’t need to sell anything. Sit tight. We’ll flag it if your floor is ever actually at risk.”
One calm note when something real changes; silence the rest of the time. Illustrative example — your alert reads off your own plan and buffer.
Your money gets a structure, not a pile.
Every dollar you own gets a job — a buffer that lets you sleep, a growth core, and income that funds your life. One institutional-grade structure, tuned to your numbers.
One platform against the entire field.
A dedicated fiduciary CFP watching daily, a CPA who prepares and files your 1040, an estate attorney who finalizes your documents — plus a daily decision engine and an active conviction sleeve none of them offer, at a flat fee with no AUM charge. And one line we deliberately never cross: Velira never takes custody or places a trade. Here’s the honest side-by-side across the field, published prices and all.
| Capability | Velira | Rangesoftware + advisor | Facetflat-fee CFP | Compoundfamily office | Secfistartup equity | Domain Moneyflat-fee CFP | EmpowerPersonal Strategy |
|---|---|---|---|---|---|---|---|
| Annual price | $2,000–$9,500/yr | $3,950–$12,500/yr | $2,600–$8,700/yr | ~0.2–2% / yrasset-based | ~$7,200+/yr | $3,900–$9,000 yr 1 | 0.49–0.89% / yrasset-based |
| Whole balance sheet — public markets plus private/illiquid stakes, real estate, business equity and private lending, with contingent earn-outs kept separate | |||||||
| Daily decision engine — tells you what to do today, not just an annual review | |||||||
| Active, thematic conviction stock-picking — a live, walled-off satellite sleeve (the X-Factor) | |||||||
| Survival math — Monte-Carlo runway with an honest floor from confirmed money only | |||||||
| AI coach on every screen — voice + chat grounded in your whole live balance sheet | |||||||
| Equity-compensation modeling — ISO / NSO / RSU / ESPP / QSBS / AMT, 10b5-1, IPO & secondary | |||||||
| Dedicated fiduciary planner — a named CFP in your cornerOn Velira's Wealth tier and up. Range runs advisor teams with no single dedicated planner; Facet dedicates an individual CFP only on its top tier. | |||||||
| Personal tax planning — and files your 1040 returnOn Velira's Tax tier a CPA reviews and files your 1040; the software only prepares the return, it never files. | |||||||
| Estate planning — and finalizes your documents (will / trust / POA / directive)On Velira's Estate tier an attorney finalizes your documents; the software only drafts them for that review. | |||||||
| Flat annual fee — never a percentage of your assets (AUM)Secfi's flat wealth fee covers the first $1M managed, then an asset-based fee applies. | |||||||
| Discretionary management — the firm takes custody and places your trades for youVelira is read-only by architecture at every tier: your CFP monitors and recommends, the CPA files, the attorney finalizes — and you place every trade at your own broker. | |||||||
| Sources & underwrites private-market / alternative deals for you | |||||||
| Non-recourse financing to exercise your pre-IPO options | |||||||
| Private banking & concierge lending for large balances |
Competitor prices are each firm’s published figures as of 2026-07-18; flat annual unless marked asset-based (a percentage of assets, or AUM). Velira’s range spans its four flat tiers, with no AUM fee at any tier. Prices change — check each firm’s pricing page for the current number.
Where Velira falls short — on purpose, mostly
- We never touch your money.Every rival on this chart will take custody and trade your accounts for you. Velira won’t — the software is read-only by architecture, and your Velira advisors monitor, recommend, file, and finalize while you place every trade at your own broker. If you want your portfolio managed discretionarily, that is the one job we deliberately don’t do.
- We don’t source private deals.Velira tracks and models the private and alternative holdings you already own; it doesn’t source or underwrite new private-market deals the way a family office like Compound does, or open a private-equity allocation the way Empower does at $1M+.
- We don’t finance your option exercise.Velira models the exercise, tax, and liquidity decision — but it doesn’t lend the capital to exercise pre-IPO options. Secfi’s non-recourse financing is purpose-built for exactly that.
- We’re not a private bank.Velira isn’t a lender and doesn’t offer concierge banking or securities-backed lines the way Empower bundles private banking at large balances.
Everything else the field advertises — a dedicated CFP in your corner, a CPA who files your 1040, an Estate Planner who finalizes your documents, insurance, retirement and tax strategy — Velira covers at a flat fee with no AUM charge, plus a daily engine and a conviction sleeve none of them run, without ever holding your money.
Built to handle the wealth the other apps can’t see.
Investments, equity, business stakes, earnouts, the assets you’re still growing — Velira runs the same disciplined math on all of it, and shows its work.
Why people choose Velira.
Real words from real people. We’ll add member stories as they share them — and we’ll never invent one.
Following an eight-figure exit, I wanted two things: a pristine, unified view of my net worth, and an investment strategy powered by elite AI and validated by human experts. I couldn't find a platform that did both, so I built Velira. It now manages 100% of my financial picture, from asset tracking to taxes and estate planning. I truly believe it's the most sophisticated wealth platform on the market.
I started using Velira OS a few months ago, and it has completely transformed how I approach saving for retirement. For the first time, I am actively managing my 401(k) instead of just letting it sit on autopilot, and the performance improvement has been incredible. I finally have a crystal-clear, real-time picture of where my finances stand today—and exactly what I need to do to hit my long-term retirement goals.
I am in my late 60s and, to be honest, I didn't have a concrete roadmap for retirement. After using Velira Wealth, that anxiety is entirely gone. The platform built a perfect, step-by-step plan for my transition: it showed me exactly which assets to sell, when to sell them, and where the proceeds need to go to protect my wealth. I couldn't be happier or more confident about my future.
For years, I've self-managed my investments while keeping 99% of my focus on running my business. I've always wanted a unified, 'in-my-pocket' snapshot of my entire financial life, and Velira finally delivered that. More than that, the investment model advice is top-tier. Based on their recommendations, I restructured my brokerage accounts to better align with current market conditions. I now have total peace of mind knowing my capital is in the right place.
I had never found a financial app that worked for me because my portfolio is incredibly complex, with multiple active and contingent real estate projects. Velira changed everything. It actually handles the nuances of real estate, giving me a true, consolidated view of my net worth and a clear projection of my upcoming profit pipeline. When it comes to tracking complex wealth, this platform is a total game-changer.
“I sold my company and suddenly had earnouts, escrows, private stakes, land, notes — and seven apps that each saw a sliver. So I built the thing I needed: one honest number, a real plan, and a coach that tells me noon red days.”
— Andy, founder of Velira
No borrowed logos. Proof you can verify.
- Walk through the live demo → the real member app on sample data — every tab, no signup, no card.
- Read our security posture → named providers, read-only architecture, and what we don't have yet, stated plainly.
- Velira is built with a close group of founding members. We'll feature real member stories as they share them — and we'll never invent one.
Watch us build the thing you need.
One email now and then with what we shipped — new engines, new connectors, new tools. No daily noise, no spam, unsubscribe anytime.
Built so Velira can watch your wealth without ever touching it.
Read-only by architecture — not policy. You sign in at your own broker through Plaid or SnapTrade, so Velira never holds your broker password. The software has no trade or transfer access of any kind. You place every order — we can’t.
- Read-only — can't move your money
- 256-bit AES encryption
- TLS 1.2+ in transit
- Bank links secured by Plaid
- Database-enforced isolation
- Export & delete anytime
Learn more about Velira
Take a closer look at how Velira works, what it costs, and how your data stays safe.
What $3,000 actually buys you.
- Week 1
White-glove onboarding
The required $1,000one-time setup: your accounts get connected — brokerage, banks, the assets other apps can’t hold — your full balance sheet organized, and your initial plan built on your real numbers.
- Weeks 2–4
The daily rhythm begins
One move a day when there is one — rebalance drift, idle-cash sweeps, tax-loss harvests — each with the reasoning shown. No move? Velira says so, and stays quiet.
- Months 2–12
Your plan evolves
Storm Watch reads the tape every trading day, the coach knows your numbers, and the plan adapts as your life changes. You stay in control — every trade is yours to place, at your own broker.
- Year 2+
$2,000/yr flat
Same software, same daily discipline. No AUM fee, never a percentage of your assets, no surprises. Add a dedicated CFP, CPA, or Estate Planner only if you want one.
Four tiers. Software, then real humans.
No AUM fee at any tier · only Velira OS is instant checkout · see full pricing & features
Velira recommends. You decide. Every trade stays at your broker.
Read-only by design — connections can see your accounts but can never move money or place a trade. Your accounts, your custody, your control.
- What if I already work with a financial advisor?
- Keep them. Velira is the daily monitoring and whole-balance-sheet math between meetings — it sees everything you own and never competes for custody of any of it.
- How is this different from Empower or Monarch?
- Those apps are built around your bank and brokerage. Velira is built for the wealth where they go blank — business equity, earnouts, private stakes, real estate — with a coach that reasons over all of it.
- Do I need millions for this to make sense?
- There’s no minimum. Velira is built for complex wealth at any size — equity, an earnout, a business, post-exit cash. If one brokerage app already holds your whole picture, you may not need us yet.
- Can Velira ever touch my money?
- No. Read-only by architecture — there is no path for Velira to move a dollar or place a trade. It tells you the move; you place it.
- Can I cancel and take my data?
- Yes. Cancel anytime, and export or delete your data whenever you want — it’s yours, and we never sell it.
More questions? Read the full FAQ →