Tax-Optimized Auto-Investing
Keep Control. Lose the Busy Work. Grow Your Wealth.
Great for first time investors.
Higher returns than savings accounts over time.
You choose your risk level and portfolio strategy.
We handle the best-practice investing, tax optimization, and rebalancing.
Take Control of Your Investing
SMART EXCESS FUNDS DETECTION
Fixed transfers miss the point. Advizmo calculates exactly what you can invest.
Most apps ask you to pick an amount to transfer every month. But your investable cash changes every paycheck. Advizmo connects to your checking account, looks at your upcoming bills, and calculates the exact amount you can safely invest, every time, automatically.
Fixed Transfer Apps
You pick a fixed dollar amount, often wrong
Doesn't know your upcoming bills
Invests too little: misses growth opportunities
Or invests too much: risks overdraft
Same amount every month regardless of your finances
Advizmo
Calculates your exact investable cash automatically
Scans bills due in the next 14–30 days
Captures every dollar you can safely invest
Maintains your safety buffer automatically
Recalculates every time based on your real balance
✓ Connects to your checking account via Plaid — reads your real balance and transaction history
✓ Scans upcoming bills for the next 14–30 days — never invests money you'll need soon
✓ Maintains a safety buffer — protects against overdraft before investing a single dollar
✓ One tap to invest — or fully automatic based on your preferences
Ask your AI financial advisor anything. Anytime.
Get instant, personalized answers based on your actual accounts, spending, and goals. Not generic advice: your data, your insights.
Institutional Tax Strategies at 1/4 the Cost
Every time you sell or rebalance without optimization, you're overpaying on taxes.
Advizmo automates the strategies institutional investors use.
DIY Investing Without Advizmo
❌ Rebalancing = taxable events
❌ Selling = which lots do I choose?
❌ Wash sales = surprise tax bill in April
How Advizmo Helps You Build Financial Security
✅ Selling = AI selects lowest-tax lots
✅ Tax loss harvesting automatically
✅ Wash sales = impossible (built-in prevention)
Low-Cost Index Funds with Wash-Sale-Safe Rotation
Portfolios use Vanguard, iShares, and other standard low-cost ETFs. Built-in tax protection through intelligent rotation.
Aggressive Portfolio
Stocks (100%)
Portfolio A: S&P Focus
VOO (60%) - S&P 500
IJR (40%) - Small-Cap
Portfolio B: Tech/Growth
QQQM (60%) - NASDAQ 100
VB (40%) - Small-Cap
Portfolio C: Total Market
VTI (60%) - Total Market
IJH (40%) - Mid-Cap
Moderate Portfolio
Stocks (70%)
Bonds(30%)
Portfolio A: S&P Focus
VOO (60%) - S&P 500
IJR (40%) - Small-Cap
Portfolio B: Tech/Growth
QQQM (60%) - NASDAQ 100
VB (40%) - Small-Cap
Portfolio C: Total Market
VTI (60%) - Total Market
IJH (40%) - Mid-Cap
Conservative Portfolio
Stocks (30%)
Bonds(70%)
Portfolio A: S&P Focus
VOO (60%) - S&P 500
IJR (40%) - Small-Cap
Portfolio B: Tech/Growth
QQQM (60%) - NASDAQ 100
VB (40%) - Small-Cap
Portfolio C: Total Market
VTI (60%) - Total Market
IJH (40%) - Mid-Cap
System automatically rotates between portfolios to avoid wash sales while maintaining your desired risk level.
Cash Automatically Invested In SGOV - Treasury Bill ETF
Stop Leaving Cash on the Table
Current 30-Day SEC Yield: 3.70%*
SGOV at a glance
TTM Yield: 4.09%
Assets Under Management: $70.7B
Expense Ratio: 0.09%
Distribution: Monthly
*As of January 22, 2026. Yields are variable and subject to change. Past performance does not guarantee future results. Not FDIC insured. ETFs are subject to market risk.
SEC-Registered Investment Adviser
Same 0.25% AUM as Wealthfront and Betterment, but better.
They stop at portfolio management. Advizmo automates the entire journey from paycheck to portfolio, and gives you smarter tax-optimized selling when you need your money back.
AI Money Manager
Full automation and advice. Manages your cash flow, investing, and taxes in one place.
Invests idle cash every payday
Identifies exactly how much is safe to invest after bills and automatically moves it. No manual deposits.
Pulls funds back when you're short
Monitors upcoming bills and automatically moves money back to checking before you run low.
Tax-optimized selling
When you need funds back, Advizmo sells in the most tax-efficient order, not just the easiest.
Bill monitoring and shortage alerts
Tracks every bill and flags you before you miss one or overdraft. Your robo-advisor doesn't do this.
AI advisor with your full picture
Ask anything, anytime. Advizmo's AI knows your accounts, bills, portfolio, and tax situation all at once.
Same rate. More automation. Smarter tax optimization.
Expert-built portfolios
Low-cost ETFs matched to your risk level. Rotated automatically to keep your taxes optimized.
Conservative
30/70 stocks / bonds
Example ETFs:
VTI
BND
VOO
GOVT
VXF
VCIT
Rotates across 3 ETF pairs. Examples subject to change.
Moderate
70/30 stocks / bonds
Example ETFs:
VTI
BND
VOO
GOVT
VXF
VCIT
Rotates across 3 ETF pairs. Examples subject to change.
Aggressive
100% stocks
Example ETFs:
VOO
IJR
QQQM
VOT
VTV
VBR
Rotates across 3 ETF pairs. Examples subject to change.
No wash sales between variants. Each pair uses ETFs from separate groups, keeping you invested through every harvest.
Only Advizmo does this
3-portfolio rotation for wash sale prevention
When we harvest a tax loss, we immediately rotate to an equivalent variant, keeping you invested while the 30-day wash sale window clears. Many advisors sit in cash.
Tax-first selling
We prioritize your tax savings, not just diversification
When selling, other robo-advisors optimize for portfolio balance. We optimize for your tax outcome first, selling highest-cost lots to minimize what you owe.