Free tools

Start with something useful in your hand.

The free tools below help you get oriented before choosing a programme. Education only. No financial advice. Use what looks helpful and ignore what does not.

Advisor-Proof Checklist

The questions to ask before you trust anyone with your money.

Portfolio Statement Decoder

Learn what holdings, allocation, performance, and fees actually mean. Without panic.

Cash Bucket Calculator

An educational calculator for sorting cash by purpose. Spending, safety, goals, future investing.

Fee Awareness Calculator

See, in plain numbers, how fees can quietly compound over time. Illustrative, not advice.

Investing Basics Toolkit

Start learning stocks, bonds, funds, ETFs, risk, fees, and time horizon. The vocabulary, before the products.

ETF Decoder

Understand what is actually inside an ETF before acting on a ticker or somebody else’s recommendation.