Your portfolio. Decoded.
Institutional-grade intelligence on the brokerage accounts you already use. Connect once. See everything.
Your portfolio is a black box.
Three things every self-directed investor learns the hard way — usually during a drawdown they didn't see coming.
You don't really know your risk concentration.
A 9-stock portfolio can hide 70% exposure to one sector. Your broker shows you holdings; it doesn't show you what you actually own.
You're paying for advice that doesn't explain itself.
1% AUM fees buy you a quarterly PDF and a phone call. Decisions get made; the reasoning rarely does.
You can't compare yourself to the moves that matter.
Hedge fund letters, 13F filings, institutional positioning — all public, all illegible at speed. The signal is there. The lens is missing.
Three lenses. One portfolio.
No advice. No trades. Just the analysis a buy-side desk would run before their next position — applied to what you already own.
Portfolio Health Score
A composite from 0–100 built from risk, diversification, momentum, and concentration. One number to anchor every decision.
Risk & Diversity Analytics
Sector heatmap, factor exposures, and concentration alerts. See the bets you didn't realize you were making.
AI Briefings
A daily plain-English summary of what changed, why it matters, and what the institutions did about it.
SEMI still 18% of your book.13.4 — 14-day low. Your portfolio beta: 1.18.VTI additions.The dashboard, not the deck.
A preview of the real dashboard. Your accounts, your risk, your intelligence layer.
Aggregate portfolio
14.2%.Built on real broker data via SnapTrade. · No AUM, no commissions, no advice.
Built by operators, not pitchdecks.
A founding team drawn from private banking, asset management, quantitative research, and AI. Independent. No outside capital deciding what ships.
Two founders with backgrounds in private banking and quantitative research. Independent, self-funded, no outside capital deciding what ships. Names announced at public launch.
Flat fee. No AUM.
We charge for software, not a slice of your portfolio. Cancel anytime, from your account, no calls required.
Kick the tires. Connect one broker and run two analyses a month.
- 1 analysis · / month
- Connect 1 broker · via SnapTrade
- Basic dashboard
- Email-only support
For the self-directed investor who wants the institutional lens on every position.
- Unlimited analyses · across all accounts
- All brokers via SnapTrade
- Daily AI briefings
- Risk & diversity alerts
- Email support · reply within 24h
For prosumers who want raw access, custom alerts, and a direct line.
- Everything in Essential
- API access · coming soon
- Custom alerts · coming soon
- Scenario simulator · coming soon
- Priority support · reply within 4h
- Founder office hours
The questions a 40-year-old PM would ask.
The skeptical ones. The boring-but-important ones. If we missed yours, email hello@luminate.ai.
Is Luminate a financial advisor?
How does Luminate access my accounts?
SnapTrade. SnapTrade is the regulated brokerage aggregator used by some of the largest fintechs in North America. We see balances, holdings, and historical activity — we can't trade, transfer, or move funds. We never store your broker credentials.Which brokers do you support?
Is my data secure?
Can I cancel anytime?
Do you work outside the US?
Will Luminate ever take a cut of my returns?
Stop guessing what you own.
Connect once. See everything. Free tier, no card required.