Powered by A.I. • Built Since 2010

The Planning Experience
Your Advisor Wishes They Could Give You

Depth. Speed. Personalization. Iteration. The kind of planning that takes 30 years of expertise and 50+ hours per client — delivered by an A.I. engine built on first-principles financial thinking that never stops working on your retirement.

Since 2010Real-World Application
ZeroAUM Fees
4 TiersStart Free, Scale Up
MyFidu™ Dashboard
Retirement Score
87/100
↑ +12 this quarter
Portfolio Protection
100%
Zero downside exposure
Projected 7-Yr Return
9.88%
CAGR on $100k invested
🤖
MyFidu A.I.
Based on your timeline, taking Social Security at 68 adds $47,200 to your lifetime benefit...
Scroll to explore
The Problem

The Industry Was Never Built to Deliver This. Now Something Can.

Even the best advisors are trapped in a system of sales pressure, compliance overhead, and appointment-based delivery that makes truly thorough, personalized planning nearly impossible. The result? A vanilla client experience — no matter how good the advisor's intentions.

⚙️

A System That Rewards Products Over Planning

No salary. Intense sales pressure. Commission-driven incentives. The industry's structure means most of an advisor's time goes to prospecting and paperwork — not the deep, iterative planning your money actually needs.

Compliance Hell Eats the Clock

Regulatory paperwork, product approvals, and firm restrictions consume the hours that should be spent on your plan. The result: cookie-cutter output dressed up as personalized advice.

😰

"Stay the Course" Is Not a Strategy

2001. 2008. 2020. Every crash wipes out years of gains. Traditional advice says endure volatility and call it wisdom. But retirees don't live in a spreadsheet — they live decision to decision, year to year.

🤷

Generic Plans for Unique Lives

No two financial situations are the same. Yet the system produces the same pie chart and Monte Carlo simulation for everyone. Your retirement deserves iterative, category-by-category planning built around your specific financial fingerprint.

The Platform

One Platform. Four Levels of Power.

Start where you are. Upgrade as your needs grow. Every tier builds on the last — no contracts, no lock-ins.

Discovery
C

UGRU Clarity™

$1 one-time · free forever after

Your retirement readiness snapshot. See exactly where you stand today, run budget and cash flow projections, and get a clear picture of what it will take to get on track.

  • ✓ Retirement readiness snapshot
  • ✓ Budget & cash flow tool
  • ✓ Capital replacement projections
  • ✓ Financial insights dashboard
  • ✓ Free Retirement Checkup session
Activate for $1
Tier 1 — Investing
S

UGRU Stocks™

$39/mo or $799 lifetime

Proprietary buy/sell trade alerts designed to help you capture market gains without the guesswork. Back-tested signals on new-era stocks with real-time performance reporting.

  • ✓ Everything in Clarity, plus:
  • ✓ Real-time buy & sell alerts
  • ✓ Exit alerts for downside protection
  • ✓ Curated signals on multiple stocks
  • ✓ 90-day performance guarantee
For Professionals
P

MyFidu™ for Professionals

$297/mo

White-label access to the full MyFidu™ platform for financial professionals. Bring world-class A.I.-powered planning tools to your clients under your brand.

  • ✓ Full MyFidu™ platform access
  • ✓ White-label client delivery
  • ✓ Advisor alert & notification system
  • ✓ Client portfolio monitoring
  • ✓ Branded client portal
  • ✓ Priority support
Get Professional Access
The Difference

This Is Not ChatGPT.
This Is Not Grok.
This Is Not Any General-Purpose A.I.

General A.I. tools can discuss financial concepts. What they cannot do is calculate them. Behind every answer MyFidu™ delivers is a purpose-built computational engine — precision calculators engineered specifically for complex financial principles, running real numbers against your real situation.

MyFidu™ operates on a fundamentally different level. It is built on first-principles financial thinking developed and refined in real-world client application since 2010 — with proprietary frameworks no general A.I. has access to:

Liquid Asset Priority — knowing which assets to deploy, protect, and sequence so your money works in the right order at the right time
📊
Market Dynamics — a proprietary framework for knowing when to be in the market, when to step back, and how to position for both
🛡️
Destination Trax™ — a strategy engineered to grow your money and protect it from market crashes simultaneously, with no ongoing advisor fees
🎯
Guaranteed Income Optimization — calculating the optimal year to turn guaranteed income on based on your unique financial situation
🌐
Holistic Retirement Modeling — Social Security, 401(k) optimization, tax-efficient withdrawals, debt, real estate, life insurance, and much more — all calculated together

MyFidu™ is not a chatbot with a financial skin. It is a financial brain with an A.I. interface — and it is now working for you.

Explore the A.I. Engine
General A.I.
MyFidu™
Social Security Optimization
Discusses it
Calculates it
Optimal Withdrawal Sequencing
Generic advice
Your numbers
GIB Contract Optimization
Not possible
Precision modeled
Market Crash Protection
"Stay the course"
Destination Trax™
Real-World Calibration Since 2010
No
Yes
Licensed Advisor Escalation
No
Designed in
Flagship Strategy

Destination Trax™ — The Holy Grail of Retirement Investing

Upside growth. Downside protection. Zero AUM fees. The strategy traditional models were never structured to deliver.

Destination Trax™ combines two powerful components into one engineered strategy:

1
A carefully researched Fixed Indexed Annuity (FIA) — not just any FIA. Most FIAs are substandard performers, just as most stocks underperform the market. MyFidu™ identifies FIAs with superior performance levers, zero fees, and meaningful upfront bonuses.
2
A growth engine — the annual penalty-free withdrawal from the FIA is redirected into a market account (UGRU Stocks™ or a simple ETF like QQQ), compounding in the market while your core capital stays protected.
See the Full Strategy
$100,000 Example — Real Numbers
16% bonus · 7% FIA avg · 10% stock account avg
Year Total Walkaway Gain CAGR
3$127,067$27,0678.34%
4$141,817$41,8179.13%
5$156,963$56,9639.44%
6$174,247$74,2479.72%
7$193,183$93,1839.88%
Hypothetical illustration based on historical averages. Not a guarantee of future performance. Individual results will vary.
Real Results

What Our Clients Are Saying

★★★★★

"MyFidu™ protected me from losing my 401(k) in the last crash. I was skeptical at first, but the platform showed me exactly what was coming and what to do about it. I'm a believer."

— J. Roberts
★★★★★

"This platform has saved me hundreds of thousands of dollars. Between the fee savings and the Destination Trax™ strategy, I'm on a completely different financial trajectory than I was two years ago."

— Rochelle P.
★★★★★

"I've worked with traditional advisors for 20 years. MyFidu™ showed me more about my retirement picture in one session than I learned in two decades. The A.I. is genuinely different — it actually calculates, not just talks."

— Michael T.
Always in Your Corner

A.I. Speed.
Human Expertise.
No Handoff Required.

As you use the platform, MyFidu™ will engage with you on your goals, timeline, and financial decisions — giving you intelligent, personalized guidance in real time.

When your planning reaches a point where a licensed financial professional is needed — a specific product recommendation, a complex strategy, or a decision that requires licensed advice — MyFidu™ is designed to automatically alert your advisor. You do not need to know when to ask for help. The platform is designed to recognize it and bring the right person in at the right moment.

You are never just a software user. You have a team.

MyFidu™ for Professionals
👤
You engage with
MyFidu™ A.I.
🧠
Platform analyzes
your situation
🔔
Advisor alerted
when needed
Expert guidance
delivered

The Experience You Deserve.
The Depth No Single Advisor Can Match.

Join thousands of people who finally have the planning depth, speed, and personalization their retirement demands. Start for $1. No contracts. Upgrade anytime.

Free forever after $1 activation. No credit card required for free tier.