An AI agent that runs your retirement portfolio like afiduciary, not a quarterly appointment.
Quillwright deploys autonomous agents that continuously monitor, rebalance, and tax-manage personalized retirement portfolios — and explain every move in plain English. Built for retail savers in the $25K–$500K band that premium harvesting at the incumbents typically gates out.
- SEC fiduciary
- SEC fiduciary under the Investment Advisers Act of 1940
- Reg BI-aligned disclosures on every trade
Independent research on systematic loss harvesting
Replaces quarterly human check-ins with around-the-clock monitoring
Premium tax work, without the premium tier minimum
How it works
Four steps from custody to a quarterly plan you can actually read.
The agent never holds your assets. It watches, decides, and proposes — through the same custodian you already use.
- 01
Connect your custodial account
You link the brokerage, IRA, or 401(k) rollover that holds the money. Quillwright cannot move funds; it can only propose trades through your own custodian, under policy you set.
- 02
Tell the agent your policy
Your risk tolerance, target allocation, wash-sale rules, Roth conversion cadence, and the line the agent is not allowed to cross on its own. Anything outside the envelope waits for you.
- 03
The agent watches and acts — in real time
It monitors every holding, harvests losses within IRS wash-sale limits, reallocates as allocations drift, and flags opportunities to time Roth conversions, reposition contributions, or brace for year-end.
- 04
You read the plain-English quarterly plan
At quarter close, the agent sends a one-page summary of what it did, what it watched, and what it recommends next — phrased as ordinary sentences, not portfolio-manager jargon.
Why Quillwright
Closer to a dedicated advisor than to a quarterly appointment.
A 24/7 agent closes the gap between a static glide path and a dedicated advisor — staying below the prevailing 0.25% AUM retail benchmark.
- Real-timeMarkets move continuously; your portfolio should be watched continuously, not once a quarter.
- Tax-awareEvery rebalance passes a wash-sale, holding-period, and intent-of-loss test before the agent acts.
- ProactiveRoth ladders, contribution timing, and year-end alerts surface in plain English while you can still act on them.
- Plain EnglishA quarter-end plan you can read in two minutes — and pause the agent if it moves outside your policy.
- Harvested losses (YTD)+$2,314
- Wash-sale rule respected0 violations
- Allocation drift3.1% → within band
- Action suggestedConvert $4,200 to Roth by Nov 30
Sent to the account holder at quarter close — readable in two minutes, with each action traceable to the policy you set.
Tax & fiduciary
Autonomous agents, with the SEC guardrails incumbents already operate under.
Suitability checks, Reg BI-aligned disclosures, and Model Rule compliance under the Investment Advisers Act of 1940 — applied on every action the agent takes. Tax-loss harvesting stays inside IRS wash-sale limits. Emergent state AI-disclosure standards are wired in at provisioning. The agent is the advisor; the custodian stays you.
- Investment Advisers Act of 1940
- Reg BI disclosures
- Wash-sale compliant
- State AI-disclosure ready
Pricing
A flat $19/mo subscription — below the 0.25% AUM retail benchmark.
Everything below is included — the agent console, the quarterly plain-English plan, harvest alerts, and proactive rebalancing.
- Real-time agent dashboard
- Quarterly plain-English plan to your inbox
- Loss-harvest alerts (only actionable)
- Allocation drift caught under 1.5% bands
- Roth conversion math, not advice
No payment for order flow. No platform fees on top. Below the 0.25% AUM retail benchmark against counterparts like Betterment, Wealthfront, and Schwab Intelligent Portfolios.
FAQ
The questions we get most often.
If your question isn’t here, email us and we’ll send a plain-English answer.
Start your $19/mo subscription.
One flat $19/month — every paid surface unlocked. We onboard new subscribers weekly and reply to every applicant in plain English.