CASH AND INVESTING, FULLY AUTOMATED
Advizmo watches your balances and bills, then moves money based on your preferences. Extra cash goes to savings or investments. When checking runs short, money comes back. All on its own, if you want it to.
WATCH
Balances, upcoming bills, and paychecks, checked every day.
DECIDE
Extra cash or a shortfall? The math runs against your settings.
MOVE
To savings, to investments, or back to checking before a bill.
YOUR RULES
You choose where every dollar goes, and how hands-off to be.
Investing involves risk, including loss of principal.
Demo account. Figures shown for illustrative purposes only.
ONE DAILY LOOP
Every day Advizmo looks at checking, subtracts upcoming bills and your cushion, and acts on what’s left.
CHECKING
Paycheck lands
ADVIZMO
Balance − bills − cushion
EXTRA CASH
To savings until your target, then to investments
SHORT FOR BILLS
Back to checking, from the sources you chose
YOU STAY IN CONTROL
Same math behind all three. The only difference is who presses go. Switch any time.
Finds idle cash and shortfalls
Who starts each move
You’re notified
Can cancel
Best for
Fully automated
✓ Every day
Advizmo
Before each move
Yes within a window you set
Hands-off automation
One-click
✓ Every day
You with one tap
When a move is ready
Nothing moves until you approve
Seeing each move
Manual
✓ Every day
You
When cash is idle or short
Nothing moves until you do it
Doing it yourself
YOUR RULES
Five settings in the app. Update them whenever your needs change.
1
Set your cushion and savings target.
The cushion stays in checking on top of your bills. The target is how big you want your emergency fund to be.
Checking cushion
$500
Savings target
$10,000
2
Choose where idle cash goes.
Fill savings first, invest first, or split it. Once savings hits your target, the rest goes to investments.
Savings first
Investments first
Split
3
Choose how it’s invested.
INVESTMENT TYPE
Bond ETFs
Stock ETFs
Direct indexing
WHICH INDEX
Total market
Large cap
Small/mid cap
4
Fine-tune your mix.
Large vs small companies
80% large
International stocks
20%
Risk level
Growth
We rebalance automatically when you change these.
5
Choose where bill money comes from.
Put your sources in order. When checking runs short, we pull from the top of the list first.
1
Uninvested cash
2
Savings
3
Investments, sold tax-smart¹
✓
Pick your mode.
Fully automated, one-click, or manual. Advizmo checks every day and follows your preferences, and you can change them any time.
Fully automated
One-click
Manual
Example settings. You choose your own.
Your money, on your preferences. Every day.
Get started in a few minutes. Change anything, any time.
$5/mo, or $50/yr. Waived once your account balance reaches $1,000. 0.25% annual advisory fee applies separately to your entire account balance, including cash.
¹ Tax-optimized selling is designed to reduce realized gains but does not guarantee a profit or protect against a loss. Selling can realize taxable gains as well as losses. Not tax advice. Automated moves rely on data from your linked accounts, which may be delayed, incomplete, or inaccurate. Transfers take time to arrive and depend on your bank. Advizmo does not guarantee that funds will arrive before a bill is due or that you will avoid overdraft or late fees. Savings balances are invested in a Treasury ETF and are not FDIC insured. Bond ETFs, stock ETFs, and direct indexing portfolios can lose value. Asset allocation and diversification do not eliminate the risk of investment losses. Investing involves risk, including loss of principal. Advizmo is not a bank.