Retire sooner. Stay retired longer.
Your whole retirement system. A plan, the portfolios that match it, and the Risk Monitor™ that alerts you when to act.
Built by an MBA who manages more than $1 billion.

Do it yourself. Not by yourself.

See how many years you could save

Free. Three minutes to your answer.

Which best describes you?

Built in-house  ·  Nothing off the shelf

Risk Monitor ProtectionDaily monitoring

01 Plan

Your number matters.
Your next move matters more.

A calculator tells you where you stand and where you’re headed. Then you close the tab, and it forgets you. Refined FI Calculators remember your inputs, show you what to do next, and let you retest whenever life changes.

Your next action, not just a number

Most calculators stop at a number. Refined FI shows you what to change next and how that move could affect your plan. Want to retire early? Worried your money runs out too soon? Here is what you need to change.

Stop guessing inflation and investment returns

Most retirement calculators ask you to predict inflation and investment returns. You cannot. Neither can anyone else. Refined FI uses real returns, net of inflation, so you just need to know your portfolio allocation.

Your plan is waiting when you return

What calculator did you use last year? Starting over means finding it again and rebuilding the same plan from scratch. Refined FI holds your inputs for you and a summary of your plan, so you come back to where you left off and exactly what to do next, not to a blank form.

Retest whenever your life changes

A market swing, a change in spending, or a move can change your answer. Retest to see where you stand and which actions are required now.

Your retirement number
$1,035,156$1,029,338
Your projection covers 85% of it. Your projection covers 94% of it. Your projection covers 106% of it. Your projection covers 102% of it.
With these changes, you’re projected to be on track.
Projected at retirement$879,339$969,356$1,086,239$1,048,090
Amount below thatAmount above that$155,817$65,800$56,901$18,752
My portfolio
Current portfolioAccumulation PortfolioGlidepath Portfolio
Same spending. Same savings.

Taking more risk lowers the target itself, which is why the number to hit moved.

02 Portfolio

Your portfolio shouldn’t carry dead weight.

Owning more does not make your portfolio safer. Small-cap funds add drag and increase downside risk. A broad bond index looks diversified, but it gives the biggest borrowers more cash. Refined FI portfolios are built lean: every holding must earn its place and make the whole portfolio work better.

Every holding has to earn its place

A market-cap index can quietly increase concentration by giving its largest companies more of your money. Refined FI portfolios use rules that remove what no longer qualifies. Tax-efficient holdings reduce drag, while capital-efficient investments let the same dollar support growth and diversification.

How we get you there quicker and make it last

One portfolio for each phase

Saving for retirement

Accumulation Growth

4 core holdings. Diversification stacked on top. Own fewer, stronger companies while time is still on your side.

Expense ratio: 0.19%
Glidepath Transition

7 holdings. Still diversified and growing, with a stability sleeve that grows as retirement gets closer.

Expense ratio: 0.16%

Retired

Sustain Preservation

10 holdings. Income built to last, spread across sources that respond differently to stress.

Expense ratio: 0.22%
Harbor Durability

13 holdings. Each one earns income a different way, so no single source has to carry the income burden.

Expense ratio: 0.32%

Every holding is a publicly traded ETF you buy in your own account. We build the allocation, not the funds.

Years to reach $1 million

S&P 500 19.42
Fidelity FFIZX +4.50 23.92
BlackRock LIKKX +5.50 24.92
Vanguard VFORX +5.58 25.00

This is just the beginning. Imagine if you allocated capital even more efficiently and had true diversification. What would the results be?

A historical-rate scenario, not a forecast. Method and sources in Target-Date Fund vs S&P 500.

03 Protection

Know when to stay invested and
when to protect your portfolio.

Did you or your advisor do anything to protect your portfolio in 2022? One bad year can cost you a decade of savings.

The Refined FI Risk Monitor checks market risk daily and connects the result to your Refined FI portfolio. You do not have to interpret an indicator or decide under pressure. The guidance shows whether to keep your current allocation or rebalance, and what that allocation looks like.

  • Stay the Course means no allocation change
  • High risk shows the allocation to rebalance toward
  • A text and email arrives when guidance calls for a portfolio action
Refined FI Risk Monitor
Stay the course Protection S&P 500, monthly.
Live since 2005Real signals, not reconstructed afterward.
Backtested to 1960Stress tested over sixty-five years.

Accumulation Portfolio

Risk Monitor

Stay the Course. No allocation change is needed.

TickerCategoryAllocationAmount
Growth bucket
Stability bucket
Total

Detailed holdings are reserved for members.

Portfolio Exit Strategy When market risk rises, you know exactly how to protect your portfolio.

Where you stand, and what to do next.

Gold+ connects your plan, portfolio, and protection in one system you can retest whenever life changes.

See how Gold+ works

Built for investors who manage their own money.