Tiers are organized by autonomy and complexity — not by how much money you have. Start free, scale up only when the autonomy is worth it.
Try the engine on a paper portfolio. No broker connection, no money at risk.
The core live tier. Direct-indexing TLH on your existing brokerage. You approve trades.
Rule-bound auto-execution. The system runs your policy; you set the rails.
Sharper tools for the complexity-heavy edges. Margin overlay, concentrated stock, RSU planning.
An AUM fee gets bigger as your account grows. A subscription doesn't. The table below shows where each tier breaks even against a 0.25% AUM fee (the typical robo-direct-indexing rate).
| Tier | Monthly | Annual | Breaks even at |
|---|---|---|---|
| Hypothetical $19 (not offered) | $19/mo | $190/yr | ~$91,000 |
| Guided | $49/mo | $490/yr | ~$235,000 |
| Autopilot | $99/mo | $990/yr | ~$475,000 |
| Alpha | $199/mo | $1990/yr | ~$955,000 |
Above the breakeven, our flat fee saves you money vs the AUM. Below it, the AUM is technically cheaper — but you're paying for a custody + management relationship; we're software with a different cost curve.
Annual saves about 17% (2 months free). It also reduces churn-friction and keeps your monthly accounting boring. Switch any time from your account billing page; we prorate. No long-term contracts.