Wealth management software without the advisor fees.
Loreva sees your full financial picture, including your accounts, your goals, and the reasons behind them. It runs the real analysis on your money, explains what changed, and helps you think through your options before you decide.
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Ready in two minutes · Nothing to install
Your goals, your situation, and the things you care about do not disappear after one conversation. Loreva remembers what matters, gets more useful over time, and lets you see exactly what it knows.
Open a plain map of your memory any time. Edit anything. Delete anything. Stay in control.
"I want to retire at 62."
"Keep $50K liquid — that cushion matters to me."
"I would like to purchase a beach house in the Outer Banks."
"We want to help with Emma's college."
"Your vacation-home plan is still ahead of pace. Your cash is above the floor you set."
Facts you've told us · private to you · edit or delete anytime
Loreva doesn't sell investments, doesn't earn commissions, and doesn't take a percentage of your assets. It has no stake in where your money goes — it lays out what's going on and your options, and you decide.
No investments to push, no products on a shelf. What it shows you isn't steered by what it earns.
It isn't paid by fund companies, brokers, or anyone else — so it has no stake in where your money goes.
Traditional advice often costs a percentage of your assets, every year. Loreva is a flat subscription — the price doesn't grow with your money.
It never tells you what to do. It lays out what's going on and the choices in front of you, and the call is yours.
Loreva watches for the small things that can become expensive over time, like idle cash, unnecessary fees, portfolio drift, or too much exposure to one investment. When something changes, it explains the issue in plain language and helps you compare your options.
It gives you the context to think clearly, without pushing you toward an answer.
That's about $34K more than the $50K cushion you wanted to keep liquid.
It could move toward the vacation-home plan, earn more in savings, or stay put because that comfort matters to you — your call.
What that extra cash could do
Your paycheck and a big part of your savings now depend on the same company.
That's $481K — 62% of your investments — moving with a single stock, on top of the income it already pays you.
Small percentages compound — money that quietly leaves your goals each year.
Worth seeing the comparable index funds in the same asset class before you decide.
Where a holding sits changes how much tax it gives up — and how much of the plan stays yours.
Loreva shows the placement options and the trade-offs; the choice stays with you.
A comfortable retirement, a place at the coast, the kids through school — each gets its own plan, paced to when you'll need the money. And when one account helps fund more than one goal, Loreva keeps track of which dollars are already spoken for.
Long horizon · to 2047
In the bandPreserving your independence and your options later in life.
Risk that eases in, then holds steady
Your mix sits right in the range you set. As 2047 nears it eases toward safer ground — then keeps some growth through retirement, instead of dropping to all cash.
Mid horizon · by 2036
Ahead · 6 moTurning a someday into a date you can actually plan around.
A purchase window, with a steadier mix
Two accounts back this one — including your joint brokerage, which also helps fund retirement. Loreva splits it the way you decide, and never counts the same dollar toward two goals.
Fixed date · by 2030
Short $196KKnowing early enough to adjust — without a scramble later.
A fixed date, and the gap to close
Her 529 and a college brokerage cover this between them. At today's pace it reaches about 40% of the target — around $1,100 more a month would close the gap by 2030.
Wondering what happens if you retire two years sooner, or buy the place now? Ask in plain language and it walks you through what changes — then leaves the decision with you.
Can I still buy the vacation home in 2036 if I reduce risk next year?
Yes — on today's pace the vacation-home fund reaches its window with room to spare. Easing risk next year would narrow the upside but protect the 2036 date. Two paths, both reasonable. Which matters more to you — the date, or the upside?
Behind every calm summary is serious work — modern AI doing the reading, the math, and the remembering. And you can open any number and see exactly how it was reached. No black box.
The inputs · vacation home
Loreva keeps these for you. You can open any one — but you never have to.
The year you'd like to buy. Everything else flexes around it.
What you set aside toward this goal each month, in today's dollars.
A steadier mix than retirement, because the date is closer.
We keep everything in today's dollars. This rate translates the figures that arrive in future dollars — a fixed pension, a frozen tax threshold.
Loreva long-run planning assumption (CMA v1) · as of June 2026
Your vacation-home plan still reaches its target window.
Reducing risk next year would narrow the upside but protect the purchase date. Your retirement and Emma's college are unaffected by the change.
You don't have to become a financial modeler to understand your own plan.
Pick a name and a voice for your chief of staff — formal, warm, witty — and refine them whenever you like. It only changes how things are said, never the substance underneath.
62% of your equity is riding on your employer's stock. Bold. Want to see what a little diversification looks like?
The same honest answer — just in the voice you prefer.
Your information stays yours. It's never used to train anything, and you can change or delete any of it, any time.
Your accounts, goals, and memory are yours alone — isolated to your account and visible only to you.
Your finances are not a training set. Period.
Change what Loreva remembers, or remove it — whenever you like.
Loreva shows you facts and scenarios. The decisions stay yours; it is not a registered investment advisor.
What deepens is how far Loreva looks and how much you talk it through — never the product underneath.
Accounts, goals, balances, and net worth — the whole picture in one place, always current.
Ask questions, compare scenarios, understand the trade-offs, and revisit goals as life changes.
As your financial life grows more involved, Loreva looks further — surfacing what's worth reviewing, when it's relevant.
Detailed pricing lives on the pricing page · this is the shape of it
What Loreva does, what it won't, and how your money and data are handled.
It brings your accounts and goals into one picture and watches for what changes — idle cash, single-stock concentration, high fund fees, contributions sitting uninvested — then models goals like retirement, a home, or college. It explains what it finds in plain English, with the math behind it.
Loreva keeps the picture together — the goals, the accounts, the math — and leaves the decisions with you.