Nauma
Personal Financial Planning Software for Complex Lives: Manage Your Finances Stress Free
Overview
Nauma is a financial planning platform built for people with complex financial lives, helping them navigate equity compensation, concentrated stock positions, high taxes, and complex portfolios spread across multiple accounts.
Unlike traditional advisors who charge high fees based on Assets Under Management (AUM), Nauma delivers fiduciary-quality guidance through technology, at a fraction of the cost. The name itself, "Nauma" ("No AUM"), reflects the company's mission to eliminate biased, asset-preserving models and empower people to plan on their own terms.
With Nauma, users can split financial goals into separate pipelines, each with its own accounts and timeline, all reflected in one whole-life projection. This makes it possible to see the optimal moment for decisions like a Roth conversion or buying vs. selling a home.
Beyond planning, Nauma offers automated account aggregation, Monte Carlo simulations, a concentrated stock diversification calculator, live Q&A sessions, and a supportive community. Users can choose a DIY path or a Guided path with an included plan review from the Nauma team.
Disclaimer: Nauma is a technology platform, not a registered broker-dealer or registered investment adviser, and does not provide investment advice. Investing involves risk and investments may lose value. Past performance does not guarantee future results.
Nauma is a financial planning platform for people with complex financial lives: equity compensation, concentrated stock, high taxes, and multi-account portfolios. No AUM fees, just fiduciary-quality guidance through technology.
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- TaglinePersonal Financial Planning Software for Complex Lives: Manage Your Finances Stress Free
- Founder-editedDate not recordedSource link unavailable
- DescriptionNauma is a financial planning platform built for people with complex financial lives, helping them navigate equity compensation, concentrated stock positions, high taxes, and co...
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- Starting price$200/yr
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- Free planNo
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- Free trialNo
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- IntegrationsPlaid, Stripe
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- Company locationSan Ramon, United States
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- Founded2025
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- Headquarters countryUS
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- Headquarters citySan Ramon
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- Team size2_5
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- Funding stageangel
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- SummaryNauma is a financial planning platform for people with complex financial lives: equity compensation, concentrated stock, high taxes, and multi-account portfolios. No AUM fees, j...
- Founder-editedDate not recordedSource link unavailable
Key Features
- Goal-based financial planning: split goals into separate pipelines with their own timelines, reflected together across unlimited projection scenarios.
- Monte Carlo simulation: run 10,000 scenarios across 5 preset portfolios to see the probability of success for retirement and other goals.
- Tax planning and optimization: model the tax impact of income, capital gains, and RSU vesting, with state and filing status configuration.
- Automated account aggregation via Plaid: link brokerage, bank, and investment accounts (Fidelity, Schwab, Interactive Brokers, and more).
- Book a Plan Review: schedule a 60-minute session with the Nauma team to review your plan, taxes, and equity compensation.
- Live Q&A sessions and community: a supportive community of peers navigating similar financial complexity.
- No AUM fees: flat-fee pricing instead of a percentage of assets that grows every year regardless of the advice given.
- DIY or Guided paths: build your own plan, or get hands-on support, whichever fits how you want to work.
Who Is It For
For complex finances: equity comp, concentrated stock, trusts, real estate, retirement, Roth conversions, high taxes, multiple accounts. No AUM fees.
Anyone just browsing for a simple budgeting app to log everyday spending, no investments or financial complexity involved.
Strengths & Weaknesses
Alternatives to Nauma
Community
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