Keldo unpacks every fund in your portfolio into its real underlying holdings — revealing the single-stock bets, country tilts, and fees hiding inside a mix that looks diversified. Then it shows a lower-cost model and the exact trade-by-trade path to get there — sequenced to keep the tax you'd owe as low as possible — as an interactive report and a downloadable PDF.
Keldo reads your holdings across every account and rebuilds the portfolio from the ground up — so the real exposures, costs, and opportunities come into view.
A 50%-in-stocks portfolio can still be 8% in one company once every fund's position in it is counted. Keldo adds up direct lots and fund look-through together.
Country and sector exposure across all equity and fixed-income positions, mapped through each fund's published category or a curated look-through.
Every pooled fund is compared against a lower-cost equivalent. Savings = (your expense ratio − the cheapest twin) × balance, with returns shown for both sides.
Taxable positions trading below cost basis, ranked by benefit at your marginal rate — with wash-sale pairs (like GOOG / GOOGL) flagged before you trade.
Equity split by size and value/growth against NYSE breakpoints; the bond book placed on the term-and-credit map, with the muni ladder priced to actual coupons.
Keldo matches your equity/bond split to a globally diversified, low-cost model, then lays out the trade-by-trade path to it — sequenced to minimize the tax you'd realize getting there.
Your identity never reaches the analysis. Keldo redacts personal details up front, so the AI studies your portfolio and builds its recommendations from de-identified holdings alone.
Upload your brokerage statements or connect read-only. Every account counts — taxable, IRA, 401(k), across any custodian.
read-only · no tradesPersonal details — your name, account numbers, contact info — are stripped out first. Only the de-identified holdings are then unpacked and run through all ten analyses.
PII removed · 10 analysesAn interactive report plus an AI-built action plan — generated from your redacted holdings alone — covering fees, taxes, concentration, and a lower-cost model.
AI recommendations · no PIIThe same rigor a wealth desk runs on institutional money — on yours, and in a report you can actually read.
Run your holdings through Keldo and get the full ten-part x-ray, with an action plan you can use.
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