You have questions. We have answers.

Yes and no. The term “FIRE”, or Financial Independence Retire Early, implies that you’ll fully retire at some point and ride off into the sunset. Financial Independence (or “FI” as we’ll refer to it) is a more flexible than that – you can kick your feet up and eat bon-bons when you hit FI, but we’ve found that the vast majority of people don’t simply want to live out their FI years being couch potatoes and binging Euphoria.

People enjoy working, we just don’t like being forced to have a job. We like to work on our own terms and our own schedule. We encourage you to dream about what you might do when you hit FI to pass the time – perhaps it’s to work on a nonprofit, or maybe you’d enjoy freelancing in the industry you work in now. If so, make that a part of your FI plan! It’ll be like icing on the cake for you to have extra monthly income coming in after you leave your full-time job in the rearview.

We focus our recommendations squarely on investments that create sustainable passive monthly income for you. If you follow our recommendations, you should be able to create the income you need to achieve financial freedom in the location you’ve chosen, whether that’s where you live now or somewhere new (though nothing is fully guaranteed in investments, of course).

We make our recommendations based on our proprietary Firreo model, which has more than 800 data points across 78 dimensions. The investments we’ve selected for you at a certain time, and the order we’re recommending them in, are then based on three additional criteria:

(1) Diversification – what the mix of your investments looks like right now
(2) Progress – how much you’ve saved in a certain investment category
(3) Timing – whether the market conditions are right for you to be investing in a certain investment at the time

1. We don’t manage your money and investments, you do. You control your own investment decisions and we cannot see any of your account info. We’re simply giving you the best investment advice we can offer to become financially independent and free from your job for good. All for a low monthly or annual fee.

2. We have zero bias in our recommendations. We receive absolutely no commissions or incentives for the investments we recommend. This means we’re free to pick the best investments for you based on data and performance, not on a payday.

So no, we’re not screwing you. We genuinely want to see you be financially free and get some of that precious time in your life back from your job!

Daily. We are CONSTANTLY researching and reviewing the entire universe of possible investments so we can make sure we’re recommending the best ones to you at any given time. Our recommendations change slightly over time and we’ll let you know of any specific action you need to take to adjust.

You’re darn right we are! We put our money where our mouth is and we have invested real money into real accounts at each investment we recommend.

We draw from several sources of data, including much that we’ve compiled on our own. We calculate a number for you (your “FI goal”) in your dashboard that shows how much you need to invest in our recommendations to be financially independent in the location you’ve chosen, where you live now or somewhere new. This number is based on how much monthly income your investments should make for you based on how they’ve performed in the past, how we think they’ll perform in the future, and what the right mix of investments is for you.

Good news: Our estimates are pretty conservative, so you may need even less than we think to be financially free in your dream location!

Our FI goal calculations are our best estimate on how much you need in a certain location and should not be considered exact figures. The key to this whole thing is to be flexible and nimble in hitting your FI goal, so keep that in mind over time.

All investments involve some element of risk and our recommended investments are no different. We do everything possible to find the lowest-risk investments with the highest income returns for you, and our strategy is based on keeping your investments highly diversified at all times. But as is the case with any investment, there is a risk you could lose money.

We only use some of your financial information, like specific investments you have as well as your bank account balances, to make our recommendations. This selected data provides us with sufficient information for us to provide you with suitable financial advice to achieve FI. The rest of the financial information you input into your dashboard is there for you and us to have a handy all-in-one spot to see all your investments!

Nope. We’re here to get you financially free, so our service is simple and focused entirely on that goal. If you decide at any time that FI is not a goal of yours, we’re probably not a great fit for you. There are plenty of other services out there that can help you accomplish other financial goals.

We’ve got a handy-dandy Business Continuity Plan ready so we know how to respond to an emergency and keep our users informed at all times. You can read about it here.

We believe in our service and would be sad to see you go, but we’ll give you a full and prompt prorated refund if you cancel. This means that you will only pay for the number of days from your last payment up to, and including, the day you cancel. Just remember that, if you cancel your subscription, you’ll be promptly refunded but you’ll lose access to your Firreo account and all of our services immediately after cancellation.

Similar taxes to any other investments you make. The investments we recommend may have you pay tax on interest income, dividend income, and potentially capital gains each year. We think it’s best not to stress too much about how much tax you pay on investment income. It’s better to have the income or capital gains and pay tax than not to have it at all!

One more thing to consider… we’ve included a “buffer” in your FI goal calculation so you don’t have to worry too much about falling short of the income you need because we’ve already planned for taxes 🙂

Right now! Click here to create a Firreo account and get ready to start investing!