Wealth management on your side
Understand your money. Open up your future.
Calm, intelligent wealth management designed for real life. Guidance that always puts you first, automated investing, and clear answers to every question you have.
Setright combines thoughtful wealth management with intelligent guidance that knows your plan. Through clear explanations and evidence-based advice, we help you put your money to work with a simple, automated strategy tailored to your life.
Best-interest advisor · Five minutes to get started · Low-cost index investing
Where most people start
If you haven’t started, you’re in the majority.
- Nearly half
of U.S. households have no retirement account at all. Not a small one. None.
Federal Reserve Survey of Consumer Finances, 2022, via the U.S. Department of Labor, 2024
- $12,000
is the typical balance for people under 35 who do have one. Starting small is normal.
Federal Reserve Survey of Consumer Finances, 2022, via the Congressional Research Service
- 94%
of workers save when their job signs them up automatically, versus 64% when they have to figure it out alone. The hard part isn’t the money. It’s the first step.
Vanguard, How America Saves, 2025
Your first step is understanding. Setright helps you build from there.
How we invest
How we build your wealth
A clean, evidence-based approach designed to protect your savings and grow over decades.
- 01Keeping a liquid cash cushion for peace of mind
- 02Capturing every dollar of employer matching funds
- 03Investing in low-cost broad index funds that own the whole market
- 04Automating regular deposits so your plan runs on autopilot
- 05Staying calm through market cycles with a best-interest advisor in your corner
Core U.S. large-cap equity exposure across 500 leading companies.
Global exposure across developed and emerging international markets.
Broad U.S. investment-grade bond exposure providing ballast and steady income.
Ultra-short risk-free yield and liquidity buffer for planned withdrawals.
What it’s like
Share your goals.
Share your timeline, monthly savings capacity, and comfort with risk. There are no wrong answers.
Get your custom plan.
Setright matches you with a proven, low-cost index strategy tailored to your exact life stage, with zero sales pressure.
Put your money to work.
Review your recommended mix, ask any question, and open your account at a trusted custodian or invest directly through Setright when you’re ready.
Guidance that meets you where you are.
Setright explains unfamiliar ideas, answers your questions, and helps you build a solid financial plan at your own pace.
Always on your side
Setright is a fiduciary: an advisor who puts your best interest first at all times. No hidden commissions, no proprietary products to push.
Automated index investing
Low-cost, broad-market index funds that capture total market returns while eliminating unnecessary fees and tax drag.
Personalized guidance
Setright helps you clarify your goals, review your investment plan, and understand complex financial topics in plain language.
Put your wealth on sound footing.
Experience intelligent wealth management that always puts you first, with automated index investing and an AI co-pilot who is always in your corner.
What money is for
Make room for the life you imagine.
The things that matter are different for everyone. Build the understanding to plan for yours.
Plain answers
Plain answers to the questions people are embarrassed to ask.
Clear guidance on the money questions that matter most, explained in plain language without any jargon.
- Why does waiting cost more than starting small?compounding
- What is a retirement account, actually?IRA, 401(k)
- How do I get the free money my job might be offering?employer match
- How do I pick one thing to put money in and never have to think about it again?a target-date fund
- How much is enough to start?less than you think
- What if I can’t spare much right now?a cash cushion first
FAQ
Common questions
Is this really free?
Yes. Learning the principles is free, with zero hidden subscription fees or premium tiers.
So how does Setright make money?
By walking you to a good first account. When you open one at a company Setright recommends, that company may thank Setright for the introduction. The recommendation is chosen for you first. It doesn’t change based on who pays.
What does “fiduciary” mean?
A fiduciary is an advisor who is legally required to act in your best interest, not just recommend products that are “suitable” for you. Many people assume every advisor has to put them first. They don’t. In the U.S., registered investment advisers, like Setright, owe you that duty all the time. Brokers follow a rule called Regulation Best Interest, which is stricter than the old “suitable” test but narrower, and it allows more conflicts as long as they’re disclosed. One more thing: “fee-only” describes how an advisor is paid, not the duty they owe you, so the two aren’t the same. A good question to ask any advisor: “Are you a fiduciary at all times, for every recommendation you make to me?”
Do I need money to start?
No. Learning costs nothing. When you’re ready to open an account, Setright will tell you the real minimums, and some are $0.
Do I need to sign up?
No. If you want to keep your progress across devices, you can add your email later and Setright sends a code.
Is this financial advice?
Yes. Setright is a registered investment adviser that provides personalized guidance and automated index investing, with an AI co-pilot in your corner. Because this is our sandbox demonstration, all investing accounts use virtual test money—not real money or a compliance-ready launch.
What happens to what I tell Setright?
It’s stored so Setright can pick up where you left off. It’s never sold or shared, and you can delete it from your profile.
What if I already have a retirement plan at work I’ve never looked at?
Then you’re exactly who Setright was built for. Bring it up when you’re ready.
Put your money to work with confidence.
Five minutes to set up. Always on your side. No hidden fees.