BILLS WATCHED EVERY DAY
Advizmo tracks your balances and upcoming bills every day. If checking is about to come up short, we move money back before the bill is due, and sell tax-smart if it has to come from investments.
BALANCES
Checked daily across your linked bank accounts.
BILLS
Upcoming bills and paychecks spotted from your account history.
PULL-BACK
Money moves back to checking ahead of a bill if you’d come up short.
TAX-SMART
If we have to sell, we pick the shares with the lowest tax hit.¹
Designed to help you avoid shortfalls. Not a guarantee against overdrafts.
Demo account. Figures shown for illustrative purposes only.
HOW IT WORKS
The same daily math that finds your idle cash also spots when checking is about to run short.
1
We watch your accounts.
Every day we read your checking balance, spot bills coming up, and note paychecks on the way.
2
We spot a shortfall early.
If your balance minus upcoming bills and your cushion goes below zero, we flag it days ahead.
3
We move money back.
Just enough goes back to checking to cover the bills and refill your cushion. No more.
THE MATH
Simple math, done every day.
Take what’s in checking. Subtract the bills due in your bill window and the cushion you want to keep. If the answer is negative, that’s how much we move back.
If it’s positive, that’s idle cash we can put to work instead.
Checking balance
$1,140
Bills due in the next 7 days
−$1,911
Cushion you keep
−$500
Move back to checking
$1,271
Hypothetical example for illustration only.
WHERE THE MONEY COMES FROM
We pull from the least disruptive place first, so your long-term investments stay put whenever possible.
FIRST
Uninvested cash.
Any cash already sitting in your Advizmo account. Nothing to sell.
THEN
Your savings.
Your emergency fund in a Treasury ETF. Low price swings, so little tax impact.
LAST
Investments, sold tax-smart.
Shares at a loss first, then highest cost, then long-term over short-term.¹
YOU STAY IN CONTROL
Same math behind all three. The only difference is who presses go.
SET AND FORGET
Fully automated.
We move money back on our own. You get a heads-up first and a window to cancel, and you choose how long it is.
Best if you want bills handled for you.
QUICK APPROVAL
One-click.
We send a notification when checking will come up short. Open the app and approve the move with one tap.
Best if you want to see each move.
FULL CONTROL
Manual.
We alert you to the shortfall and how much to move. You decide when and where it comes from.
Best if you like doing it yourself.
YOUR SETTINGS
CHECKING CUSHION
$500
The amount we always leave in checking, on top of your bills. Extra breathing room for surprise charges.
BILL WINDOW
1 week
How far ahead we look for bills. Transfers take a few business days, so a longer window moves money back earlier.
Example amounts. You choose your own and can change them any time.
Invest more. Worry less about bills.
Link your accounts, set your cushion, and Advizmo handles the daily math.
$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. Bill monitoring relies on data from your linked accounts, which may be delayed, incomplete, or inaccurate, and on recurring payments being detected correctly. Transfers between Interactive Brokers and your bank take time to arrive and depend on your bank. Advizmo does not guarantee that a transfer will arrive before a bill is due or that you will avoid overdraft or late fees. Selling investments to cover bills may happen when prices are down. Investing involves risk, including loss of principal. Advizmo is not a bank.