Plain English finance.
From a CFA Charterholder.

Fidelity says 4x your salary by 45. A CFA Charterholder breaks down the real Fed data, what it means if you're behind, and the three moves that matter most right now.

At 42 you have 23 years of compounding ahead. A CFA Charterholder breaks down the Fidelity 3.4x benchmark, real Fed data, and why the decisions you make now are worth $262,000 more than waiting until 47.

Not sure how to start investing at 30? A CFA Charterholder breaks down goals-based investing, the right account order, and exactly where to put your money first.

OraFi is now available in beta on iOS through TestFlight. Free personal finance app built by a CFA Charterholder — net worth benchmarking, goal tracking, and investment guidance.

The Federal Reserve's 2022 Survey of Consumer Finances shows exactly what Americans have saved for retirement by age group. Here's what the actual data shows — and why median matters more than mean.

At 38 you have 27 years of compounding ahead. A CFA Charterholder breaks down the Fidelity 2.5x benchmark, real Federal Reserve data, and why starting now is worth $404,000 more than waiting until 43.

At 32 you have 33 years of compounding ahead. A CFA Charterholder breaks down the Fidelity benchmark, real Federal Reserve data, and why starting now is worth $444,000 more than waiting until 37.

Three index funds. One simple strategy. A CFA Charterholder breaks down the three fund portfolio, how to allocate by age, and which funds to use at Vanguard, Fidelity, and Schwab.

At 28 you have 37 years of compounding ahead. A CFA Charterholder breaks down the real benchmarks, the goals-based framework, and why starting now is worth $365,000 more than waiting until 33.

At 25 you have 40 years of compounding ahead. A CFA Charterholder breaks down the real benchmarks, the goals-based framework, and why starting now is worth $428,000 more than waiting until 30.

No subscription, no conflicts, no jargon. A first look at what OraFi is, why it was built, and the three tabs that give you a complete picture of your financial life.

Early retirement at 55, a second home, real financial freedom in your 50s. Your 40s are where these goals become concrete questions with real math. A CFA Charterholder breaks down the benchmarks and what it actually takes.

At 35 the urgency is real in a way it wasn't at 30. A CFA Charterholder breaks down the Federal Reserve data, the Fidelity 2x salary benchmark, and the goals-based investing framework most articles completely miss.

Turning 30 and wondering if you're on track? The Federal Reserve data, the Fidelity 1x salary benchmark, and the three moves that matter most right now — including the compounding math that makes starting today more powerful than you think.

The 1% AUM fee sounds small. Over 30 years on a $200,000 portfolio it costs you more than $750,000 compared to a low-cost index fund. A CFA Charterholder breaks down five signs the traditional advisory model may not be working for you.

Before picking a single fund or opening a single account, ask yourself two questions. The answers determine everything about how you should invest — what accounts to use, what to put in them, and how to match each dollar to its specific purpose.