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SEC-registered investment adviser

Make your money pay you every month.

Saving for “someday” is hard to care about. So Firreo shows what your money is doing now, measured in things you already pay for: first your Netflix, then your phone, one milestone at a time.

Start your 14-day free trial See how it works

$12 a month after your trial. Cancel any time.

SEC-registered CRD #325297
Fiduciary No commissions, ever
Your account Your money never leaves your name
Read-only We can't trade or move money
Why your Netflix?

We translate your money into your life.

A balance you can't touch for 30 years doesn't get anyone out of bed. So Firreo measures your progress in things that are already real to you.

  • A measuring stick, not a spending plan. You don't have to pay for Netflix with your payouts. They land in your brokerage account, and next month's plan puts them back to work.
  • Built from your life. Your path uses the costs you enter, so every milestone means something to you, not to an average investor.
  • Proof it's working. The day your investments could cover your phone is a day worth knowing about, even if you never spend a cent of it.
What you usually hearWhat Firreo shows you
Projected balance at age 67: $412,000Next up: your car payment, about 8 months away.
Trailing 12-month distribution incomeYour investments cover your phone, and everything before it.
October distributions: $203.85Your money paid you $203.85 this month.
Portfolio up 1.8% this quarterYour groceries are 62% covered.
Target-date fund, rebalanced annuallyFour months in a row. Your streak is growing.
How it works

Four steps, once a month.

You get the full plan without having to make every decision yourself, and you learn how it works as you go.

  1. 1

    Connect your brokerage

    Link the account you already have. The connection is read-only, so Firreo sees your holdings and payouts but cannot trade or move money.

  2. 2

    Tell us what you spend

    Your rent, your phone, your groceries. Each cost becomes a milestone on your path, so progress means something real.

  3. 3

    Follow this month’s plan

    Firreo says exactly what to buy and how many dollars to put in each. You place the trades in your own account in a few minutes.

  4. 4

    Watch the payouts land

    Every dividend and interest payment shows up on your monthly paystub, matched to your brokerage records.

Your path

Progress you can feel, one cost at a time.

Firreo builds your path from your own costs. Your phone, your car payment, your rent: each one becomes a milestone, and you reach it when your investments are expected to pay enough each month to cover it. You keep paying your bills the way you always have. The milestone is the proof your money could.

  • Reached stays reached. A bad week in the market never takes a milestone away.
  • Build a streak. Follow your plan each month and watch the streak grow.
  • The finish line isn't the end. When your investments cover everything you spend, your plan keeps going, because costs change and your income can keep growing with you.
Build your path
First wins
✓Your first payoutReachedAny amount
✓Your first $25 monthReached$25/mo
Everyday costs
✓Your NetflixReached$18/mo
✓Your phoneReached$95/mo
Your car paymentNext · about $80 more a month$410/mo
The big ones
Your groceriesAhead$780/mo
Your housingAhead$1,650/mo
Financial independenceThe finish lineEverything you spend

A sample path. Yours is built from the costs you enter.

The plan

One plan, five jobs.

Every dollar you invest is split the same way. Some of it grows, some of it pays you, and some of it keeps things steady, so your income does not depend on one bet.

30%

Market Growth

Broad stock market index funds

The foundation. Built to grow in value over the long run.

25%

Income Growth

Dividend funds

Companies that share profits with you, with payouts that tend to rise over time.

20%

Real Estate

Real estate investment trusts

Income from rent on buildings you never have to manage.

15%

High Yield

Higher paying income funds

The biggest payers in the plan, sized small because they carry more risk.

10%

Stable Income

Treasury backed funds

The steadiest slice. It keeps the whole plan from swinging as hard.

Rebalanced every month

Each month's plan tops up whichever categories have fallen behind, so the mix stays on track without you doing the math.

Category descriptions reflect each category’s intended role and are not a promise of performance.

Your idle cash

Money in checking is working for the bank.

Slide in the cash you have sitting around and the rate you want to assume. See the monthly paycheck that money could send you instead, and which cost it could cover.

Could pay you about
$85 a month
Enough to cover your internet.

Illustration only, using the rate you choose, before taxes. It is not a Firreo recommendation or a prediction. Real payouts change, and investing can lose money.

A different path

Not another 40 years of waiting.

FirreoThe usual path
When it pays youIncome starts building with your first purchaseMost of it waits until your 60s
What you watchMonthly income, measured against your own costsA balance you are told not to touch
The planPersonal to you, updated every monthA generic target-date fund
Where your money isIn your own brokerage account, in your nameOften locked behind early withdrawal penalties
How it is spread outFive categories, each with a different jobMostly one fund, set once
Learn as you go

Healthy investing, without the hype.

No hot tips, no countdown timers, no fear of missing out. Firreo teaches the basics in plain English so you understand every buy in your plan.

Browse the guides
  • What the heck is the stock market?What you are actually buying when you buy a share.
  • The power of investment incomeHow money can pay you without trading your time for it.
  • Emergency fundsWhy a cushion comes before your first buy.
Pricing

A flat price, not a cut of your money.

Every feature in both plans. Try it free for 14 days and cancel before then to pay nothing.

Monthly

$12/month

Pay as you go.

Start free trial
Save $45 a year

Annual

$99/year

Works out to $8.25 a month.

Start free trial

The math on $250,000

Typical 1% adviser fee$2,500 a year
Firreo annual plan$99 a year
Stays in your pocket$2,401 a year

Illustration. Adviser fees vary.

  • A personal investing plan, refreshed every month
  • Brokerage sync and a monthly paystub
  • Milestones built from your own costs
  • Plain-English guides as you go
The people behind it

We invest this way with our own money.

Firreo is the system the founders used for over a decade before turning it into a product.

KM

Kyle McKercher

Co-founder and CEO

Left a full-time job in August 2022

KG

Kaitilin Gross

Co-founder, marketing

Left a full-time job in April 2021

AB

Alex Burkey

Co-founder, technology

Still investing every month, aiming for 2028

SL

Seth Lane

Strategy

Invests in the same recommendations

Founder outcomes are personal and are not a projection of your results. Read our story

Questions

Questions people ask first.

Something else on your mind? Send us a message at [email protected].

Does Firreo manage my money?

No. Your money stays in your own brokerage account, in your name. Firreo tells you what to buy each month and you place the trades yourself.

Is Firreo a fiduciary?

Yes. Firreo is an SEC-registered investment adviser, which means we are legally required to act in your best interest. We earn no commissions on anything we recommend. The subscription is the only way we get paid.

Do I need a lot of money to start?

No. The plan works with a few hundred dollars or a large portfolio. It sizes each month to the amount you choose.

Do I have to spend my payouts on my bills?

No. Your costs are a way to measure progress, not a spending plan. Payouts land in your brokerage account as cash, and next month’s plan puts them back to work so your income keeps growing. Whether you ever spend them is up to you.

Could I lose money?

Yes. All investing carries risk, including the loss of what you put in. Firreo spreads your money across five categories so your income does not depend on one bet, but prices still rise and fall.

What if I cancel?

Cancel during the 14-day trial and you pay nothing. Cancel after that and you keep access through the end of the period you paid for. Unused time is not refunded.

Your first milestone is your first payout.

Start your plan this month and watch your money send you its first paycheck.

Start your 14-day free trial

$12 a month after your trial. Cancel any time.