Buffer
24 months of your real spending in cash & T-bills. A crash can't force you to sell a single share — this is why red days don't own you.
↗ how it worksHow it works
Math decides. The AI translates.
The end-to-end engine that turns everything you own into one honest number and one clear daily move — hold, trim, protect, or act.
The engine
From raw numbers to a clear move.
Two layers: the math, then the words.
Deterministic
Math layer computes the move
Claude
Explains it in plain English
The AI never invents the recommendation — it only puts words to what the math already decided.
The plan
Your money gets a structure, not a pile.
Velira organizes everything you own into three jobs — and keeps the balance between them as markets and life move.
Growth
The engine of returns: a broad-market core plus a disciplined basket, capped per name and rebalanced on rules — not on emotion.
↗ how it worksIncome
Yield that pays your life, so the plan funds itself instead of eating itself. The part that turns a portfolio into a paycheck.
↗ how it worksThe architecture an institution would build you — phased to your life, sized to your numbers, and rebuilt automatically when life changes.
Your plan, made visual
An honest floor, and a job for every dollar
Everything you own gets a job
Buffer · 30%
24 months of cash & T-bills. Sleep-at-night money.
Growth · 50%
Broad core plus a disciplined basket.
Income · 20%
Yield that funds your life.
The simulations
Know your real number — the honest floor, not a hopeful one.
Your plan, run 40,000 times.
Fat-tailed crashes, real taxes, your actual spending. Velira shows two numbers and never confuses them: the honest floor (confirmed assets only) and the upside case. You plan against the floor — because the rosy number is how people get hurt.
The sample beside this is a plan in trouble — deliberately. A low floor is the system working: it tells you the truth while there’s still time to fix it — trim the burn, restructure the buckets, rerun the math — not after.
The number is honest even when honest is uncomfortable.
The watch
Sleep through the next downturn.
While you sleep, Velira watches.
10 signals, every market day: credit spreads (one of the more reliable crash precursors of the last 40 years), volatility regime, market breadth, valuation, positioning — even the AI-bubble metrics nobody else tracks. A storm score with a hard rule: it only speaks when something real changes.
- No noise, no daily panic
- When the storm gate trips, you get the protection plan before the headlines explain it
Storm watch · 10 signals → one score
One score for the whole market
18
Calm
10 governing signals, distilled into one calm answer.
Volatility
Low
Credit
Stable
Rates
Watch
Breadth
Healthy
Liquidity
Ample
+ 5 more signals scanned every day
Storm watch · live
10 signals, scanned daily. It speaks only when something real changes.
No noise, no daily panic — just the regime score, and the protection plan before the headlines explain it.
Storm score
18/100
Calm — hold course
Your daily brief
Always know your one move today.
Open the app and see what changed today.
Every morning Velira reads your plan against the market and gives you one calm state card — what to hold, trim, protect, or act on — each with a one-line reason. No charts to decode, no doomscrolling. Just the move your plan calls for, or the permission to do nothing.
What changed todaySample brief
- HoldCore portfolio
Markets calm, nothing acute firing. No edge today — staying the course beats reacting to a red tape.
- TrimConcentrated position
One holding ran past its position limit. The plan calls for a small, tax-aware trim back to target.
- ProtectCash reserve
Runway is inside policy, but a bill drifted up. Top the reserve before adding risk.
- ActToday's focus
An open rebalance move is ready to run now or glide in tax-smart. This is the one thing worth doing today.
Illustrative sample — directives and reasons shown are representative of the engine's daily calls, not a real account. Your brief is built from your own plan and the live market read. Velira is financial- information and education software pursuing investment-adviser registration (not yet effective); today it does not give personalized advice or execute trades.
The daily brief
Four states. One clear move.
Hold
Nothing to do today.
Plan is on track. Stay the course.
Trim
Rebalance a sleeve.
Growth drifted 4% above target.
Protect
Top up the buffer.
Runway slipped below 24 months.
Act
One move, today.
Here's exactly what and why.