Why Opesway

Personal finance can be more effortless and affordable than you think

Most people overpay for financial guidance, or spend hundreds of hours building tools that already exist. Opesway gives you professional-grade financial planning, built by CFA and actuarial experts, at a fraction of the cost and effort.

to start - no deposit ever asked

Save $5K+/yr

vs robo advisor on $500K assets

20 min

to get your complete financial snapshot

Privacy-first

no data sharing or third-party marketing

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What makes us different

Built differently, by design

Six reasons Opesway is unlike anything else in personal finance

🎓

Built by CFA & Actuarial Experts

Retirement forecasting, asset allocation, and risk models are designed by certified financial and actuarial professionals — not tech generalists.

🔒

Privacy First — No SSN Ever

Only an email address is required to sign up. We never ask for your social security number, banking credentials, or sensitive personal information.

🚫

Zero Conflict of Interest

We never manage your assets, accept deposits, or act as a broker. No incentive to push products. Our only goal: your financial success.

⏱

From 300 Hours to 20 Minutes

What DIY planners spend 300+ hours building and maintaining, Opesway delivers in minutes — without any Excel skills required.

💰

Fraction of Robo Advisor Cost

Robo advisors charge 0.2–1% of assets annually — that's up to $5,000/yr on a $500K portfolio. Opesway's free plan costs nothing.

🌍

For Everyone, Not Just the Wealthy

$0 account minimum, no tiers based on wealth level. Whether you're just starting out or managing a large portfolio, you get the same powerful tools.

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Comparison 1 of 4

Let's consider the time and cost of financial planning

	Opesway	Everything DIY
Acquire essential knowledge	10 minutes	200 hours
Build Excel templates	none	100 hours
Fill the financial data needed	10 minutes	1 hour
Time spent initially	20 minutes	301 hours
Monthly update & review	10 minutes	1 hour
30-year time spent	60 hours	360 hours
Fee & expense a year	Free	$0 ~ $120 on books & software
Investment performance Numerous research show that more than half of active-managed funds underperformed the market index, and little evidence proves an advisor's strategy can constantly outperform the market. So, we assume, in general, that no one outperforms the others at a gross level.	average market return	average market return
Net performance after fee	about average	about average
Retirement forecast expertise	by CFA and actuarial professionals	relies on yourself

Note: For demonstrative purposes only, results may vary based on individual situations. There is no guarantee on future investment return assumed herein to be realized.

Comparison 2 of 4

How we are compared with others' service

	Opesway	Robo Advisor
The company's goal	Make your wealth growth whole	More fee revenue & assets under management
Wealth calculation & projection	Yes	Yes
Budget analysis & projection	Yes	Some
Asset allocation analysis	Yes	Yes
Budget-based retirement planning	Sophisticated	Some are rough, and as a result inaccurate
Overview of your financial wellness	Yes	Yes
Insightful financial calculators	Yes	Some
Retirement forecast expertise	by CFA and actuarial professionals	depends on robo developer's skill
Service termination by you	online, no questions asked	lengthy phone call may be needed
Fee charged a year	Free	0.2% ~ 1% of asset, $1,000 ~ $5,000 on $500K asset
Account minimum	$0 (free signup!)	$0 ~ $100,000

Note: For demonstrative purposes only, actual results from robo advisors may vary based on individual situations.

Comparison 3 of 4

How do we serve, and what we don't request?

	Opesway	Robo Advisor
Overview of your financial wellness	Timely showed in Dashboard when your situation changes.	Reports may delay for a few days, and only on monthly basis or longer.
Financial or investment advice	We provide a one-of-a-kind platform for wealth forecasting. You can easily customize your budget, set up strategic asset allocation and retirement goals, and immediately see the intuitive analysis.	The service provided may depend on your asset level or the tiered advisory fee paid, and the suggested investment may have costly management fees.
Banking (deposit & loan), asset management, trading, offer to buy or sell securities or crypto	None. We never ask for a client's deposit or act as a lender, agent, broker-dealer, or asset manager.	Some advisors do these businesses to absorb your assets under management (AUM) as much as possible.
Fund liquidation and transfer needed	No, you will keep the funds intact.	Yes, if they manage your assets under their funds.
Call or email customers	No. Email is never shared externally.	Yes
Target generation to serve	Anyone wanting to build wealth	Baby boomers, Gen X, wealthy young adults

Comparison 4 of 4

Your privacy and wealth protection is our 1st priority

	Opesway	Robo Advisor
Social security number asked	Never	Maybe
Sensitive banking information asked	Never	Maybe
Personally identifiable information asked	Only an email address is needed to sign up.	Home & email address, phone number, and more.
Data sharing for business	Your data is confidential and never sold to third parties.	Your data may be sold to third parties without your full awareness.
Website safety	HTTPS TLS encryption	Various
Risk of fiduciary	None because we never oversee or touch clients' funds.	Minimal to low
Fraud risk	None because we don't do banking or manage clients' assets.	Minimal
Awareness of financial risks	Our risk experts developed convenient tools that let users analyze their risk appetite and various asset allocation risks.	Most automated reports have little insight into your concern. It can be too vague for you to control the risks.

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Ready to take control of your financial future?

Join thousands of users who have simplified their financial planning with Opesway. Free to start, get personalized forecast within 20 minutes.