Join waitlistBuild wealth like
the wealthy do.
The rich have been doing this for years. Now you can too.
Built by JPMorgan & Morgan Stanley alumni
The problem
Everyone gets the same generic advice.
NerdWallet tells everyone the same thing
Generic articles written for no one in particular. No idea what your salary is, your state, your situation.
Financial advisors cost $500/hour
The strategies that actually build wealth are locked behind expensive advisors most people can't afford.
You're leaving money on the table right now
The backdoor Roth, mega backdoor Roth, HSA receipt harvesting — strategies that exist but nobody surfaces for you.
How Welthly works
Tell us your situation
Just started a job, received an inheritance, got laid off — Welthly understands life events, not just account types.
Your situation
“I just started my first job — $95,000 in Illinois, with student loans at 6.5%.”
Get your personalized action plan
Specific dollar figures. Named platforms. Step by step. Not 'consider a Roth IRA' — exactly how to open one, where, and why it saves you $47,000 specifically.
Open a Roth IRA at Fidelity
Saves you $47,000 by retirement
- 1.Open a Roth IRA at Fidelity (10 minutes).
- 2.Automate a $583/month contribution to max it out.
- 3.Invest it in a total-market index fund.
Execute in one click
Every recommendation links directly to the right page at the right platform. Advice and action in one place.
Fidelity
Open Roth IRA
Ally Bank
Open high-yield savings
The rich don't want you to know this
The moves most people never hear about.
These strategies exist. Nobody surfaces them. Until now.
Backdoor Roth IRA
Above the income limit? There's a legal workaround.
Worth $70,000+ over 30 years
Mega Backdoor Roth
Most people don't know their 401k has a hidden door.
Unlocks $46,500/year in extra Roth space
HSA Receipt Harvesting
Save receipts now. Withdraw tax-free in 30 years.
Turns medical receipts into tax-free cash
Stepped-Up Cost Basis
Inherited investments? The tax bill might be zero.
Can eliminate capital gains entirely
Roth Conversion Ladder
Low income year? Convert now at 12% not 32%.
Saves thousands in future taxes
I-Bond Emergency Fund
Your emergency fund is losing to inflation.
Inflation-guaranteed, zero risk
Built by people who've seen how it actually works.
Morgan Stanley — Quantitative Research, Asset Management
JPMorgan Chase — Wealth Management & Consumer, Community Banking Data Science
Y Combinator-backed startup — Founding Engineer
We built Welthly because we saw firsthand the strategies that institutional clients pay thousands for — and realized nobody was making them accessible.
Your wealth plan is waiting.
Join the waitlist.