Portfoliopilot

PortfolioPilot is an AI-powered financial advice platform for self-directed investors. It is a technology product of Global Predictions Inc., a Registered Investment Advisor in the United States, and you must subscribe to receive personalised investment advice. Its pitch is advice with no commissions, no conflicts of interest and no human bias, using financial models and AI to help you manage your own money. The company highlights that it won the M6 Financial Forecasting Competition.

Net worth tracking

You can aggregate your net worth and see your whole portfolio allocation in one view, including brokerage accounts, 401(k)s, IRAs, crypto, cash, student loans, real estate, private equity and precious metals. PortfolioPilot connects securely to more than 12,000 brokerages, banks and crypto wallets and syncs your holdings so analysis reflects your full portfolio.

Advice and planning

Features include AI investing advice, continuous tax optimisation, an estate planning checklist and a retirement planner with scenario planning. The site cites a JP Morgan calculation of an additional 1.94% yearly return from monthly continuous tax optimisation; this is a cited study, not a guarantee for your portfolio. A free one-minute assessment is available.

Pricing

The Free plan costs $0 and includes multi-asset net worth tracking with unlimited accounts, full retirement and scenario planning, a portfolio assessment and fund and stock discovery tools. Gold costs $20 a month billed yearly or $29 monthly, adding personalised recommendations based on your portfolio, expected returns, dividends, tax impact, risk preferences, goals and downside protection, as well as hidden fee detection, tax-saving opportunities and limited AI assistant access. Platinum costs $49 a month billed yearly or $99 monthly, adding fee optimisation, tax-efficient distribution advice and guidance on withdrawals and income planning. Yearly billing saves 30% or more, and there is a 10-day free trial.

Who it suits

It suits US-based investors who manage their own accounts and want ongoing, data-driven suggestions without paying a percentage-based advisory fee.

Things to consider

All investing involves risk, and AI recommendations can be wrong; past or modelled returns don't guarantee future results. Advice is tailored to US accounts and tax rules. Linking accounts shares sensitive data, so review security and data use. For complex situations, such as estates or business income, consider also consulting a qualified professional.