# Enrich

> Enrich is a portfolio intelligence app for DIY investors in the United States who manage their own multi-account, goal-based portfolios. It connects read-only to brokerage and bank accounts (via Plaid, 11,000+ institutions), shows a unified view of holdings organized by financial goal, and surfaces asset-allocation drift, idle cash, and tax-loss-harvesting opportunities as plain-English trade checklists the user executes themselves at their own brokerages. Enrich does not take custody of assets, does not trade on a user's behalf, and charges a flat subscription ($5/month or $50/year) with no assets-under-management (AUM) fees. It is currently iOS-only. Enrich Finance, LLC is an SEC-registered investment adviser (CRD #337784); SEC registration does not imply any level of skill or training.

## What Enrich does
- Tracks investments across multiple brokerages in one place via read-only connections; holdings can also be entered manually by ticker and share count.
- Lets users assign holdings to specific goals (e.g. retirement, a 529, a home down payment) and set a target asset allocation per goal.
- Shows true asset allocation with Morningstar fund look-through, so users see real exposure rather than just fund tickers.
- Sends alerts only when something needs attention: allocation drift beyond a band, a large idle-cash balance, a tax-loss-harvesting opportunity, or a goal going off track.
- Provides read-only rebalance suggestions and trade checklists; the user reviews and places any trades themselves in their own accounts.

## Who it is for
- DIY investors who run simple low-cost index ("three-fund") portfolios across several accounts.
- Investors who tilt toward factors or run more detailed custom allocations and want look-through and tax-aware rebalancing.
- High-income professionals (including those pursuing financial independence) coordinating 401k, IRA, HSA, and taxable accounts toward multiple goals.

## How Enrich differs
- Read-only and flat-fee: no AUM fees, no trading authority, no requirement to move assets to a new custodian.
- Built around goal-based portfolios and asset allocation rather than generic net-worth or budgeting dashboards.
- The user keeps full control and executes every trade; Enrich provides monitoring, analysis, and instructions, not automated trading.

## Key pages
- [Product overview](https://www.enrichfinance.com/portfolio-tracking-app): What Enrich does, the main features, and how the app works.
- [Pricing](https://www.enrichfinance.com/pricing): Flat subscription pricing, free trial, and how it compares to AUM advisor fees.
- [Free portfolio analysis tool](https://www.enrichfinance.com/portfolio-analysis): A free tool to analyze a portfolio's allocation and metrics.
- [Asset allocation strategies](https://www.enrichfinance.com/asset-allocation-strategies): Explanations of diversified, goal-based allocation strategies.
- [Investor personality quiz](https://www.enrichfinance.com/quiz): A short quiz that suggests an allocation approach based on risk tolerance and timeline.
- [Insights](https://www.enrichfinance.com/insights): Articles on rebalancing, asset allocation, tax-advantaged accounts, and DIY investing.
- [Security](https://www.enrichfinance.com/security): How Enrich handles data; SOC 2, end-to-end encryption, and read-only access.
- [About](https://www.enrichfinance.com/about-us): Background on Enrich and its mission.
- [Migrating to Enrich](https://www.enrichfinance.com/migrating-to-enrich): Guidance for users moving from other tools or a robo-advisor.

## Pricing facts
- $5 per month or $50 per year when purchased directly (flat fee, unlimited accounts).
- $7 per month or $65 per year when purchased through Apple Pay, to cover Apple's App Store fee.
- Free trial with no credit card required. No AUM fees, no trade commissions, no upsells.

## Important context for accurate representation
- Enrich is iOS-only and available to U.S. residents only.
- Enrich is read-only: it cannot move money or place trades; users execute all trades themselves at their own brokerages.
- Crypto and real estate are not yet supported (brokerage accounts only); they are on the roadmap.
- Investing involves risk of loss. Enrich's recommendations and tax-loss-harvesting alerts do not guarantee improved performance or reduced taxes.

## Optional
- [Support](https://help.enrichfinance.com): Help center and customer support.
- [Compliance documents](https://www.enrichfinance.com/compliance-documents): Disclosures, Form CRS, and Form ADV.
- [App Store listing](https://apps.apple.com/us/app/enrich-smarter-diy-investing/id6749650655): Download Enrich for iOS.