Patience, made automatic
Markets reward those who do nothing well. Plume turns discipline into a default — scheduled contributions, automatic rebalancing, and a design that quietly discourages panic.
Investing, unburdened
A lighter hand on your whole portfolio.
Move across
01 — Philosophy
We think the best financial tool is the one you barely notice.
Fees you can hold in one hand
One flat rate, written in plain numbers. No order-flow kickbacks, no spread games, no "premium" tier that quietly buys back the features we took away. What you see is the whole arithmetic.
Built for decades
Every screen is designed for the long game, not the next dopamine trade.
Honest by construction
If a number could mislead, we don't show it. Returns are net of every fee, always.
Yours to leave
Transfer out in full, any day, no exit fee. Confidence shouldn't need a moat.
02 — Track record
Quiet numbers, kept in the open.
Past performance never promises the future — but transparency does promise something. Here is the whole ledger, audited and unembellished.
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Model portfolio return, ten-year horizon
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Flat annual fee — no tiers, no kickbacks
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Accounts compounding on Plume today
$0
Per-account protection on cash & securities
The single view
03 — The product
One account that holds your whole financial weather.
Every holding, every contribution, every tax lot — gathered into a single, unhurried view. No twelve tabs, no flashing tickers begging you to trade. Just clarity, and a plan that keeps working while you don't.
Set-and-forget contributions
Auto-invest on payday into the allocation you chose — to the cent, fractionally, every time.
Drift-free rebalancing
When markets pull your mix off course, Plume nudges it back — quietly, tax-aware, overnight.
Harvest losses automatically
We turn down markets into tax savings, then reinvest the proceeds without ever sitting in cash.
Plain-language statements
Quarterly notes that read like a letter, not a legal filing. You'll actually understand what you own.
04 — How it works
Three light steps, then a very long pause.
1
Tell us the horizon
Answer four honest questions about your goals and your stomach for swings. No quiz gymnastics — just enough to build a portfolio that fits you.
2
Fund it your way
Start with a dollar or roll over an old account. Link a paycheck and pick a day — Plume does the rest, fractionally, forever.
3
Then mostly forget it
We rebalance, harvest, and report. You check in when you want to — most people, it turns out, want to far less than they feared.
05 — In their words
People who stopped checking every morning.
I used to refresh my brokerage app at red lights. Plume quietly took the panic out of it — same money, a fraction of the worry. I genuinely forget it's working.
M
Mara Delacroix
Nurse · investing since 2019
06 — Plans
One flat fee. Pick the weight that fits.
Drift
For first-timers letting a habit take root.
$0/ month · 0.25% a year
- Auto-built portfolio
- Fractional investing from $1
- Quarterly plain-language notes
Soar
The full engine — rebalancing, harvesting, the lot.
$8/ month · 0.18% a year
- Everything in Drift
- Automatic tax-loss harvesting
- Drift-free overnight rebalancing
- Retirement & taxable in one view
Atlas
For larger balances and the people who advise them.
$24/ month · 0.12% a year
- Everything in Soar
- Direct indexing & custom tilts
- A human planner, on call
Open in about four minutes
Let your money take the quiet path.
Start with a dollar. Move the rest when you're ready. No minimums, no exit fees, no one nudging you to trade.