“I don’t know what to buy.”
Your plan names each fund and the dollar amount for it every month, with the reason behind each one.
SEC-registered investment adviser
An investment adviser for people who have never had one.
We tell you what to invest in and why. You follow the plan and learn along the way.
$12 a month after your trial. Cancel any time.
Your November plan
SampleInvest $500
Five purchases, placed in your own account- High Yield$160
Why: The biggest payers in your plan, spread across several funds because higher payouts carry more risk.
- Market Growth$100
- Income Growth$95
- Stable Income$90
- Real Estate$55
Sample figures. Your plan is sized to the amount you choose and gives the reason for every purchase.
Every purchase explainedSo you learn as you go
Your accountYour name, your money
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
Sound familiar?
You have money. You just haven’t started.
Most people who never invest aren’t missing the money. They’re missing a starting point, the confidence that what they have is enough, or a reason to keep going. Firreo is built for all three.
“I don’t think I have enough.”
Start with what you have. The plan works with a few hundred dollars or a large portfolio, sized to the amount you choose.
“I keep putting it off.”
A short checklist each month and milestones you can see, so investing feels like progress instead of homework.
How it works
We do the research. You follow the plan.
You get the full plan without having to make every decision yourself, and you learn how it works as you go.
- 1
Tell us where you’re starting
Connect your brokerage (read-only, so Firreo can never trade or move money) and answer a few questions about your money.
- 2
Get your plan
What to buy, how much of each, and why. A new plan is ready every month.
- 3
Place your purchases
In your own account, in a few minutes. Your money never leaves your name.
- 4
Learn and keep going
Every payout shows up on your monthly paystub, matched to your brokerage records, and your progress is there to see.
Learn as you go
Every purchase comes with the why.
No hot tips and no fear of missing out. You learn how investing works by doing it, one plan at a time, with the reason behind every purchase.
Stable Income · $90Why this?
These funds invest in U.S. government bonds. They’re generally steadier than stocks, so they keep your whole plan from swinging as hard. Their value and payouts can still change.
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.
Where it leads
Stick with it, and your money starts paying you.
Follow the plan and the payouts start landing in your account. Firreo measures that income against your own costs, so your progress means something real to you.
- 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.
October paystub
$203.85
paid to you by your investmentsCovers your phone and everything before it.
Next: your car paymentabout $80 to go
- Income Growth fundDividend · Oct 3+$64.10
- Market Growth fundDividend · Oct 6+$18.42
- Real Estate fundDistribution · Oct 15+$47.88
- High Yield fundDistribution · Oct 22+$52.36
- Stable Income fundInterest · Oct 31+$21.09
Matched to your brokerage recordsExample
An example of what someone might build over time. Your first months will be smaller.
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.
Market GrowthIncome GrowthReal EstateHigh YieldStable Income
Market Growth
Broad stock market index fundsThe foundation. Built to grow in value over the long run.
Income Growth
Dividend fundsCompanies that share profits with you, with payouts that tend to rise over time.
Real Estate
Funds that invest in real estateIncome from properties like apartments, warehouses and shopping centers, without buying or managing buildings yourself.
High Yield
Higher paying income fundsThe biggest payers in the plan, spread across several funds because higher payouts carry more risk.
Stable Income
Funds that invest in U.S. government bondsGenerally steadier than stocks, so it keeps the whole plan from swinging as hard. Its value and payouts can still change.
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.
Two jobs at once
Paid along the way. Growing underneath.
Most apps show you one number that jumps around all day. Firreo's plan is built to do two things: pay you every month and keep growing in value over the long run. Because it is spread across five jobs, no single bet decides how it goes.
It pays you
Dividends, interest and rent land in your account as cash. Your next plan puts them back to work.
It grows
Market Growth and Income Growth are built to rise in value over time, so the money paying you can keep growing too.
It stays steadier
Stable Income and a spread across five kinds of investments mean one bad bet does not sink your income.
Illustration only. The lines show the idea, not real or expected returns. Prices go up and down, payouts change, and all investing involves risk, including the possible loss of principal.
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.
Open the full income calculatorA different kind of adviser
Built for people who are just starting.
Many traditional advisersWho it’s forAnyone ready to start, with any amountOften people with large balances
How you payA flat subscription, $99 a yearOften a percentage of your money every year
What you learnThe reason behind every purchaseVaries by adviser
Where your money isYour own brokerage account, in your nameOften an account the adviser manages
Adviser fees and services vary. Firreo provides investment recommendations but does not manage your brokerage account.
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.
The math on $50,000
Adviser charging 1% a year$500 a year
Firreo annual plan$99 a year
Difference$401 a year
Illustration. Adviser fees and services vary.
- A personal investing plan, refreshed every month
- Brokerage sync and a monthly paystub
- The reason behind every purchase
- Milestones built from your own costs
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.
Kyle McKercher
CEOLeft a full-time job in August 2022
Kaitilin Gross
MarketingLeft a full-time job in April 2021
Alex Burkey
TechnologyStill investing every month, aiming for 2028
Seth Lane
StrategyInvests 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.
Can I practice before I invest real money?
Yes. The practice brokerage walks you through connecting your brokerage, moving money in, placing a purchase and what happens when the market is closed, with fake funds and fake money. No account needed.
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.
Start with what you have.
Get your first plan this month and learn as you go.
Start your 14-day free trial$12 a month after your trial. Cancel any time.