Every asset, every dollar, every decision — explore each capability, then go deep on the engine, the disciplines, and the proud extras.
Every account and asset class in one honest picture.
One honest number across every account and asset class — with booked value and contingent upside kept separate, and the trend over time.
ExploreExactly what comes in, what goes out, and how many months of runway you have — your spending categorized automatically, with an alert when a recurring bill quietly drifts up.
ExploreTrack live positions with cost basis and unrealized gain/loss — plus the recommended moves and a trade queue you place yourself, included in every tier. Velira never moves your money.
ExploreBrokerage, retirement, real estate, private lending, business equity, private equity, and cash — unified, with manual entry for anything.
ExploreTurn the numbers into a plan and the moves it calls for.
Monte-Carlo survival odds and an honest floor from confirmed assets only — so you know your real odds, not a flattering guess.
ExploreA live map of where every additional dollar is going — each sleeve opened up into the exact instruments it will hold, with progress tracked against your real holdings line by line, and the honest remainder never counted as already deployed.
ExploreThe coach, the queue, and the guardrails that keep you honest.
An engine that hunts the market for asymmetric, high-upside setups and hands you researched ideas — each with the counterargument attached — inside a walled-off, suitability-gated sleeve that can never touch your core plan. A differentiator other wealth tools simply don't offer.
ExploreAn audit trail under every recommendation — the exact inputs, the engine version, and the rules that fired — plus a decision register for the calls you make yourself, with revisit dates.
ExplorePre-action interrupts that show their math — stale data, a same-ticker wash-sale window with the exact day it clears, plan-input gaps. Alert-only; you decide.
ExploreAn AI coach grounded in your live numbers — by text or voice — that explains the why, and tells you no when no is the right answer.
ExploreLot-level cost basis, a realized-gains YTD report with wash-sale detection, harvesting candidates from real lot data, and tax-aware lot sequencing on every rebalance — educational estimates, never advice.
ExploreThe safety net around the plan — and your data.
The safety net around your plan — every policy checked against plan-driven adequacy targets computed from your real income and net worth, so a coverage gap can't blindside you.
ExploreAn estate-readiness checklist, a beneficiary registry, and a document vault — so the plan holds together for the people who depend on you.
ExploreExport everything in one click, and delete your account yourself — no support ticket, no waiting. Velira also flags anything it couldn't capture, so you always know how complete the picture is.
ExploreA tracker shows you the past. Velira runs an institutional-grade framework over your real portfolio and hands you the move — what to buy, how to rebalance, when to protect the downside — grounded in survival math, not gut feel. It never moves your money; it tells you the move, and you decide.
A fixed engine computes every number on your plan. Same inputs, same outputs — every time. No model is guessing your survival odds or your runway; they're calculated, and they're repeatable.
Claude reads the engine's output and explains it in plain English — what the number means and what to do about it. It does not compute the math. The numbers come from the engine; the AI just makes them make sense.
The engine's read on a real plan — phase, survival floor, spending bands, and the top moves that actually move the number. Sample data shown.
Hold, act, trim, or exit — with the reasoning. You open Velira and know exactly what to do with the market today, not just what you own.
Precisely what to buy and sell to hit your sleeve allocation — Income, Growth, Buffer — now, or as a tax-smart, phased glide.
When to add a hedge or downside protection, sized to your risk — flagged before the storm, not explained after it.
Drawdown bands, concentration limits, and a 10-signal storm monitor keep you inside the plan — so one bad week can't blow it up.
Monte-Carlo odds and an honest floor — confirmed assets only — sit behind every recommendation. You see the real odds, not a flattering guess.
Read-only by design. Velira tells you the move and shows the why; you decide and place the trade. It never touches a dollar.
Velira is financial-information and education software pursuing investment-adviser registration (not yet effective); today it does not give personalized advice or execute trades. Projections are hypothetical.
Nine-figure households don't leave this to instinct. They run cash-reserve policies, position limits, concentration controls, rebalancing rules, risk monitoring, and scenario modeling as a matter of course. Retail tools hide all of it. Velira runs every one of them on your real plan — automatically.
A held-back reserve sized to your spending, and your runway in months and years — so you always know how long the plan lasts before you have to sell anything.
A ceiling on how big any single holding can get. When a position runs past its limit, Velira flags it and shows the trim — before the concentration becomes the risk.
Watches concentration across holdings, sectors, and themes — including over-exposure to a single bet — so one crowded trade can't quietly become your whole plan.
Target weights for each sleeve — Income, Growth, Buffer — with the exact buys and sells to return to plan, run now or as a tax-smart, phased glide.
A 10-signal monitor across 8 categories, including drawdown bands and credit-spread stress — the early-warning layer that flags trouble before it compounds.
40,000 Monte-Carlo paths run your plan through crashes, slow markets, and good runs — so the odds you act on are stress-tested, not a single flattering line.
Every practice above is enforced by the engine on your real portfolio. Velira is financial-information and education software pursuing investment-adviser registration (not yet effective); today it does not give personalized advice or execute trades. Projections are hypothetical.
Velira keeps an append-only register of every recommendation it makes and what you did about it — followed, overridden, or still open — plus the outcome later. Nothing is edited or deleted. Over time it becomes the honest audit trail of whether sticking to the plan beat going with your gut. That's how a household builds the discipline a family office takes for granted.
Trim a position back to its limit after a run-up.
Logged as done. Concentration risk came back inside policy; the trim was banked tax-aware.
Hold through a −2.4% day — no edge, buffer intact.
You chose to sell. Logged with your note. The register keeps the call so the next red day is an easier hold.
Top up the cash reserve before adding risk.
Awaiting action. Carries a revisit-by date and stays on the ledger until it's resolved.
Illustrative sample — entries shown are representative of the register format, not a real account. Your register logs your own decisions and Velira's proposals, append-only. Velira is financial-information and education software pursuing investment-adviser registration (not yet effective); today it does not give personalized advice or execute trades.
You're going to make the asymmetric bet anyway. Velira gives it a sleeve with rules instead of a hole in your plan — conviction and discipline, finally in the same room.
An engine that screens the entire market for asymmetric setups — AI silicon, nuclear microreactors, biotech binaries — and brings you 2–3 ideas a week with the bull case and the strongest argument against it. You never get a pick without its counterargument.
↗ detailsVelira's risk engine sizes it to what you can actually afford to lose— and for some plans that's zero. If you can't afford the loss, the door stays closed. That's not a limitation; that's the product.
↗ detailsEvery position is stopped or honestly labeled “lottery — size is the risk control.”Winners ride widening trailing stops so a 10x doesn't get sold at 2x. Losers get cut fast and autopsied. The sleeve is walled off so its swings never touch your real plan's math.
↗ detailsIllustrative — not a recommendation.
Picture a sleeve that runs up, then gives a chunk back in a day — the kind of swing this sleeve is built for. The engine's call: “HOLD — no thesis broke, no stop near, this is the volatility you bought. Do nothing.” Discipline over reflex.
That's the product.
We make you sign for it. The onboarding acknowledgment that this sleeve can go to zero is a feature, not fine print — the trust mechanic everyone else hides.
Velira will tell you the odds are against you — single-digit odds of the dream outcome — and size you so it doesn't matter. That's the only honest way to run a lottery ticket.
Educational decision-support, not investment advice — Velira never executes a trade. Sample figures are illustrative, not a recommendation.
Beyond the engine, Velira is also the best tracker you've used — your whole net worth, every asset class, side by side, booked vs. contingent. Most apps make this the whole product. For Velira, it's the part that comes free.
Velira gives you a single booked net worth from what's actually yours today — then a 'potential total' for the upside you're still owed (earnouts, payouts, an exit) shown right beside it, never blended in. You always know what's real and what's hopeful — because mistaking the two is how good operators get burned.
One honest number, plus the upsideKnow your true monthly burn and exactly how many months of runway you have. A budget that shows every category — even the ones at zero.
Emergency fund, work-optional, and your retirement number — progress computed live from your real data. No spreadsheets, no manual updates.
A coach that knows your actual portfolio and plan. Ask if you can afford something, whether you're diversified, what changed this week — in plain English.
Monte Carlo survival odds and an 'honest floor' that counts only confirmed assets — so you plan against the floor, not the rosy case. Plus drawdown guardrails and CPA-grade tax tracking. Projections, clearly labeled — never an invented number.
Dedicated views for real estate, private lending, and your business — model the holdings other apps simply can't.
Most apps do one thing. Velira does all of it — every asset, every dollar, every decision, in one place. Open a category, then tap any card to explore.
You choose what Velira manages, fill in only those buckets, and land in a plan that tells you the truth — your phase, your spending bands, your survival odds, and the three moves that matter most.
Your plan, in one honest screenPhase-aware guidance on your real numbers — the survival floor, the bands, and what to do next. Sample data shown.
Sample data shown.
Take a closer look at how Velira works, what it costs, and how your data stays safe.