Everything you need to know about MyFidu™ — from getting started to advanced features.
MyFidu™ is a personal financial intelligence platform powered by proprietary planning software that has been successfully helping real clients since 2010. It combines purpose-built financial calculators, first-principles frameworks, and an A.I. interface to give you the most optimal path for every major financial decision in your life.
General A.I. tools can discuss financial concepts — but they cannot calculate them. MyFidu™ is trained on 70+ hours of proprietary financial education, 3 published books, and 100+ structured presentations — all created by a top-1% former fiduciary over 30+ years of real-world client application. It has purpose-built computational engines and real-world calibration since 2010 behind every calculation. MyFidu™ is a financial brain with an A.I. interface — not the other way around. And the full education library is available on demand whenever you want to learn more.
Yes. The $1 is a one-time activation fee used to verify your account and help prevent spam, fraud, and automated registrations. After that single charge, UGRU Clarity™ is completely free — no recurring fees, no hidden charges, and no expiration. You keep access for life.
Yes. There are no contracts, no cancellation fees, and no lock-in periods. Cancel from your dashboard at any time. Your data remains yours.
You get free access to a set of core planning tools immediately. From there, you can explore, run your initial numbers, and scale up to more powerful tiers whenever you're ready. No pressure, no expiration, no sales calls.
MyFidu™ was built by Ken Gulliver — a former top-quintile Merrill Lynch advisor, top 1% financial advisor in the U.S. by revenue, and a 30-year student of personal finance. He's also the founder of UGRU Financial™, architect of UGRU Stocks™, co-author of Asset Protection and Wealth Preservation, author of Right Where They Want You and The Unrivaled Advisor, and has been featured on FOX, CBS, and NBC News.
But his proudest accomplishment? Being a lifelong student of personal finance — because that's what allowed him to understand people's real needs and the industry's real shortfalls. Without that understanding, MyFidu™ would not exist.
In stages — and that's the point. This was not built overnight:
Every component was developed, tested, and refined with real people and real money before being unified into the MyFidu™ platform.
MyFidu™ is software — and software cannot be a fiduciary. But here's what makes us different: our founder was a practicing fiduciary for over a decade before selling his Registered Investment Advisory firm in 2015 to pursue building this platform full-time. He knows exactly what the fiduciary standard demands — because he lived it. MyFidu™ is the tool that fiduciaries need to actually live up to their title. And when your plan requires licensed expertise, the system automatically connects you with a professional.
Data gathering takes 5–20 minutes depending on your preparedness and clarity in providing information. After that, the A.I. engine takes over — asking follow-up questions, running calculations, and iterating on your plan in real time. A complete initial session typically runs 30–60 minutes total, but the platform never stops working. You can come back anytime.
Two deliverables: a 30+ page detailed report covering every calculation, scenario, and recommendation in full depth — and a summary presentation that distills it all into the main steps, the value each brings, and a clear execution path forward.
The plan is only as good as the action you take on it. That's why MyFidu™ is designed to connect you with a licensed professional who can help you execute — because great planning without follow-through is just paperwork.
Absolutely not. In fact, we have over 70 hours of educational content broken into 3–5 minute bite-sized pieces that MyFidu™ has been trained on. As the conversation requires, the A.I. will answer your questions and prompt you with better understanding — meeting you exactly where you are.
Yes — and that's part of the importance of this platform. A financial plan is a living, breathing document. The world changes and our lives change constantly. Each time that happens, plans need to be re-addressed. MyFidu™ is built for exactly that — not a one-time report, but an ongoing relationship with your financial future.
The platform includes purpose-built calculators for Social Security optimization, retirement account contribution analysis, tax-efficient distribution sequencing, Destination Trax™ modeling, GIB income optimization, debt optimization, real estate analysis, life insurance needs, retirement gap analysis, and much more — all calculated together, not in isolation.
MyFidu™ is designed to automatically alert your advisor when your planning reaches a point requiring licensed guidance — a product recommendation, a complex strategy, or a decision that requires a licensed professional. You do not need to know when to ask for help. The platform is designed to recognize it and bring the right person in.
UGRU Stocks™ provides proprietary buy and sell signals based on back-tested market dynamics criteria. You receive notifications when the system identifies an entry or exit point — removing the emotional guesswork from investing.
Destination Trax™ is a proprietary retirement growth strategy that combines a carefully selected Fixed Indexed Annuity (for principal protection) with a market growth account (for upside participation). The result: your money grows, your principal is protected from crashes, and the strategy works whether you have an advisor or not.
MyFidu™ is designed to complement your existing advisor relationship, not replace it. The platform adds continuous engagement, deeper scenario analysis, and real-time optimization between meetings. Many advisors use MyFidu™ themselves to enhance what they deliver to clients.
Robo-advisors do one thing: allocate your money into a diversified portfolio based on a risk questionnaire. That's it. They don't optimize your Social Security timing. They don't sequence your distributions for tax efficiency. They don't model how your real estate, debt, insurance, and retirement accounts interact. They don't adapt when your life changes. MyFidu™ is not a robo-advisor — it's a holistic financial planning engine that calculates across 50+ dimensions of your financial life simultaneously.
That's precisely the problem MyFidu™ was built to solve. General A.I. does give unreliable financial answers — because it doesn't have purpose-built engines behind it. MyFidu™ is different: every answer is generated by proprietary calculators, not general language models guessing at financial concepts. And when your plan reaches a point that requires licensed expertise, the system automatically notifies a professional to step in. You're never relying on A.I. alone.
Yes. MyFidu™ uses bank-level encryption to protect your data. Your information is never sold, shared, or used for advertising. You control your data at all times.
No. Your data is always yours. If you downgrade, you retain access to the features included in your new tier. If you cancel, your data is preserved for 90 days in case you return.
MyFidu for Professionals allows licensed financial advisors to white-label the full MyFidu™ platform for their practice. Your brand, your clients, your relationship — powered by the engine that sets you apart from every other advisor in the market.
No. The Professional plan is $297/month flat with unlimited client accounts. No per-client charges. Scale your practice without scaling your costs.
By default, yes — but it doesn't have to be that way. For an additional fee, we can fully white-label the software for your practice so your clients see your brand, your name, and your experience throughout the entire platform.
Not at this time. The platform delivers a consistent, proven experience for every client. White-labeling (your brand and name) is available, but the underlying planning engine and client experience remain standardized to ensure quality and accuracy.
When a calculation or plan is completed, notifications are automatically sent to the advisor so they never lose supervision over the process. Clients can also request live advisor support at any time. Beyond that, the system sends reminders for important dates — annual reviews, trigger dates built into the most recent plan, opportunities to shop for higher income from a GIB, and any other time-sensitive action items. The professional stays in the loop without having to monitor every session manually.
The honest answer: time. The founder spent many years and millions in development costs to build this platform. The company is debt-free with no investors to satisfy — which means we can price it based on what's fair, not what's needed to service debt or deliver returns to shareholders. The result: institutional-grade planning at a price point that makes depth accessible to everyone — whether you work with an advisor or not.
MyFidu™ uses flat monthly pricing because the platform delivers planning depth through technology rather than hourly appointments. This makes comprehensive planning accessible regardless of account size. Many clients use MyFidu™ alongside their existing advisor to add depth and continuous engagement between meetings.
We are happy to help. Reach out anytime.