The Founding 50: $40 a Month for a Year — and a Say in What We Build Next

The offer, in one paragraph

The next 50 people to open an individual QuantRidge account pay $40 a month for 12 months instead of the $175 list price — 77% off — and then the subscription renews at $175. There is still a 14-day free trial before any charge, and you can cancel at any time. In return we are asking you to actually use the thing on your real portfolio and tell us, bluntly, what is missing, what is wrong, and what you would need before you would pay full price for it.

That is the whole thing. The rest of this post is the detail you would want before handing a new company your brokerage data — the reason the offer exists, the exact terms, and an honest description of who should not take it.

Why 50 seats, and why not free

A wealth platform cannot be finished in a vacuum. Portfolio analytics, cost-basis tracking, and retirement modeling all behave beautifully against clean test data and then meet a real account: a 2009 transfer with no basis attached, a spin-off nobody accounted for, a 401(k) that reports in units instead of shares, an inherited IRA with a step-up the software has to know about. Every one of those is a bug we only find because somebody ran their own mess through it.

So we need a cohort of real portfolios. 50 is the number we can genuinely keep up with — small enough that we read and answer every message personally, large enough to cover the account types that break things.

The obvious question is why it is not free. Two reasons, both learned the hard way by everyone who has done this. Free testers do not connect real accounts, because the thing people hesitate to hand over is not money, it is their financial life — and a price signals that we intend to still be here in a year to look after it. And free feedback is polite. Paid feedback is honest. People who have paid $40 tell you the import is confusing; people who paid nothing tell you it looks great.

$40 is low enough that it is not a procurement decision and high enough that you will expect something for it. That is the entire design.

What $40 a month actually buys

Not a stripped-down beta tier. A founding seat is the full individual plan — all 155 capabilities, the same ones a $175 account gets:

• Every account in one view — read-only brokerage links or CSV import, performance attribution, benchmark-relative returns, allocation drift, concentration alerts, and a rebalancing view that shows the tax consequence before you trade.
• Tax strategy year-round — tax-lot tracking across linked accounts, harvestable-loss candidates, wash-sale warnings before the repurchase rather than after, Roth conversion modeling against bracket thresholds, and CPA-ready exports.
• Retirement and withdrawal modeling — Monte Carlo probability of success, sequence-of-returns stress testing, withdrawal sequencing coordinated with tax brackets, Social Security timing, and RMD projection.
• Estate, legacy and documents — a beneficiary registry that flags the stale designation from three jobs ago, trust and policy inventories, and an encrypted vault for the documents your family will actually need.
• Four AI research agents — Analyst, Research, Filing, and Tax & Risk, plus a Research Engine for long-form deep dives, with the reasoning shown and citations back to the filing.

Founding members also get the part we cannot put in a feature list: a direct line to the people building it. Not a ticket queue — the actual team, and a roadmap you can push on.

What we are asking from you in return

"Send us any feedback" reliably produces nothing. So here is the actual brief. If you do three of these five in your first month, you have more than held up your end:

To be explicit, because offers like this often hide a condition: none of this is required to keep your price. The $40 rate holds for the full 12 months whether you write to us weekly or never. We are asking because the cohort is pointless otherwise, not because we will bill you for silence.

How your feedback reaches the roadmap

Three routes in, and all three land with the same small team:

• The feature-request form at the bottom of the Ask QuantRidge page, which is the fastest way to file something specific.
• support@quantridge.net for anything that needs a screenshot, an export, or a conversation.
• The contact form, if you would rather we call you.

What we will not do is pretend every request becomes a feature. Some conflict with each other, some conflict with staying out of regulated advice, and some are simply further down than you would like. What we will do is answer — including when the answer is no, and why.

The math, including month 13

A founding year costs $480. The same 12 months at list price would be $2,100, so the seat is worth $1,620 over the year. For scale, an advisor charging the traditional 1% of assets under management bills $5,000 a year on a $500,000 portfolio, and more every year the portfolio grows.

That last row is the one most promotional pages leave off, so it is in the table rather than a footnote. Month 13 is $175. If you want the full flat-fee versus percentage-fee argument, it is worked through in the true cost of a 1% AUM fee, and you can run your own numbers in the advisor fee comparison calculator.

The terms, stated plainly

• $40 per month for 12 months, starting from your first paid month. The 14-day free trial comes first and is not counted against it.
• Then $175 per month. The price steps up at renewal. We disclose the post-promotional rate and the renewal date at checkout before you are charged anything, and we email you ahead of the change.
• Not a lifetime rate. We used to describe founding pricing as holding for as long as you stayed subscribed. It does not, and no page on this site says so any more. It is a 12-month promotional term.
• Cancel any time, from the billing portal inside your account. No call, no retention script. Cancel during the trial and you are never charged.
• 50 individual seats, open until filled or withdrawn. There is a separate founding offer for advisory firms on the pricing page.
• Read-only account access. QuantRidge can see positions and transactions. It cannot trade, move money, or initiate transfers.

The binding version of all of this lives in our legal disclosures and terms; the Promotional Rates clause is the one that covers the step-up.

Who should skip this

We would rather lose a signup than collect a refund request, so: this is not for everybody.

• If you want someone to manage your money, skip it. QuantRidge is software. It is not a Registered Investment Adviser and gives no personalized investment advice. A good human advisor does things this does not.
• If you want a finished product, wait. A founding cohort exists because the product is still moving. You will meet rough edges. That is the deal, and reporting them is the point.
• If you only want the discount, take the trial instead. 14 days free, no card drama, and nobody will chase you for feedback.
• If you are an advisory firm, the individual plan is the wrong shape — you want the business founding offer with multi-client workspaces and an audit trail. See the RIA and advisor page.

How to claim a seat

Start the 14-day trial on the founding plan — no sales call, no demo booking, no form that routes to a salesperson:

1. Open the founding signup and create your account.
2. Link a brokerage read-only, or import a CSV. Start with the messiest account you have, not the tidiest — that is the useful test.
3. Work through the five targets above during the trial. If something is wrong before your first charge, we would much rather hear it then.

If you want to interrogate the platform before giving it anything, Ask QuantRidge answers questions about what it does from our own product documentation, with no signup first.

Questions we expect

Anything we have not covered goes to support@quantridge.net, and a person answers it.