Now accepting early access applications

Your money,
managed by AI.
Actually managed.

Tired of DIY complexity and advisor fees that eat your returns? McDonough's deploys autonomous AI agents that execute trades, harvest tax losses, and grow your wealth — without requiring your attention.

No commitment. Early access spots are limited.

0.25–0.50%
AUM Fee
Automated
Tax-Loss Harvesting
3 Risk Tiers
Portfolios
Daily Digest
Updates
Three Portfolios

One platform, your risk, your way.

Every investor is different. Choose one portfolio, or let all three work together for full diversification across time horizons.

Alpha
Aggressive Growth

Short-term, high-conviction positions across equities, ETFs, and momentum plays. The agent monitors intraday signals and repositions rapidly. Built for investors with high risk tolerance who want outsized potential returns.

Timeframe
Short-term
Risk
High
Target Return
Target 15–25% annualized
Allocation
Equities75%
ETFs15%
Cash10%
Intraday rebalancing
Momentum-driven allocation
Concentrated positions
Aggressive tax-loss harvesting
Balanced
Steady Compounding

Medium-term, diversified exposure across asset classes. Designed for investors who want consistent growth with manageable volatility. The agent rebalances monthly and harvests losses on dips.

Timeframe
Medium-term
Risk
Moderate
Target Return
Target 8–14% annualized
Allocation
Equities55%
Bonds25%
Alternatives12%
Cash8%
Monthly rebalancing
Diversified asset classes
Dividend reinvestment
Jurisdiction-aware tax timing
Horizon
Wealth Preservation

Long-term, conservative allocation focused on capital preservation and steady appreciation. Ideal for investors near retirement or those who prioritize protecting principal above all else.

Timeframe
Long-term
Risk
Conservative
Target Return
Target 4–8% annualized
Allocation
Bonds50%
Equities30%
Alternatives12%
Cash8%
Quarterly rebalancing
Capital preservation focus
Inflation-hedged exposure
Optimized exit timing
How It Works

Up and running in four steps.

From zero to fully managed in under ten minutes. No spreadsheets, no advisor calls, no manual rebalancing — ever.

STEP 01

Connect your funds

Link your brokerage account securely. We support all major custodians. Your assets stay in your name — we never take custody.

STEP 02

Choose your mix

Decide how to allocate across Alpha, Balanced, and Horizon. Start with one or blend all three based on your goals and timeline.

STEP 03

AI agents take over

Autonomous agents monitor your portfolios around the clock. They execute trades, rebalance positions, and apply tax-aware strategies — no manual approval needed.

STEP 04

Get daily updates

Every morning, a digest lands in your inbox: performance, trades executed, tax moves made, and what the agents are planning next. Transparent by design.

Tax Intelligence

The IRS doesn't sleep.
Neither do our agents.

Most investors leave thousands on the table each year in avoidable taxes. Our tax intelligence engine watches every position, every day, and acts on the moments that matter.

Tax-Loss Harvesting
Automatically sells positions at a loss to offset gains, then repurchases similar assets to maintain exposure. Compliant with wash-sale rules.
Optimized Exit Timing
Calculates the after-tax impact before selling any position. Holds short-term gains until they qualify for long-term rates when the math favors waiting.
Jurisdiction-Aware Logic
Understands federal and state tax rules for your specific jurisdiction. Execution decisions adapt to where you live.
Annual Tax Impact Estimate
+$4,200
Average tax savings on a $150k portfolio
Losses harvested (YTD)$8,400
Short-term gains deferred$2,100
Wash-sale violations avoided0
Next harvest opportunity3 days
Daily Digest

Your portfolio, explained. Every morning.

Stay informed without being overwhelmed. A clear, structured update lands in your inbox before markets open — every single day.

McDonough's Daily Digest
digest@mcdonoughs.ai · Thursday, June 11

Good morning. Your portfolio is up +1.4% since yesterday.

Here's what your agents did in the last 24 hours.

↑
Sold 12 shares of NVDA at $891.40 — locking in a $2,140 loss to offset Q3 gains
Alpha
⇄
Rebalanced Balanced portfolio — reduced tech exposure by 4%, added to dividend equities
Balanced
$
Deferred AMZN exit — holding 18 more days converts $3,200 gain to long-term rate
Horizon
◉
Monitoring TSLA position for harvest opportunity — 3% below wash-sale boundary
Alpha
Alpha
+2.8%
24h
Balanced
+1.1%
24h
Horizon
+0.3%
24h
Pricing

Pay for performance, not a flat fee.

We charge a percentage of assets under management — just like a traditional advisor, but at a fraction of the cost and with more automation than any robo.

Standard
0.50%/ year
on assets under $100k
All three portfolio tiers
Autonomous AI execution
Tax-loss harvesting
Daily performance digest
Mobile app access
Join Waitlist
MOST POPULAR
Growth
0.25%/ year
on assets above $100k
Everything in Standard
Priority execution queue
Advanced tax strategies
Quarterly portfolio review
Dedicated support line
Join Waitlist
Traditional Advisor
~1.0%+
Annual AUM fee
McDonough's
0.25–0.50%
Annual AUM fee
DIY Investing
$0
But your time costs more
Early Feedback

From investors who get it.

I spent years trying to manage my own portfolio. DCA, rebalancing, tax-loss harvesting — I could never keep up. Having agents handle it is genuinely transformative.

SK
Sarah K.
Software Engineer, Chicago

My financial advisor charged 1.2% and I barely heard from them. McDonough's is cheaper, tells me everything, and doesn't need me to approve every trade.

MT
Marcus T.
Product Manager, Austin

The tax harvesting alone more than pays for the fee. In Q3 they captured $6k in losses I would have completely missed. It's the most valuable thing I've added to my finances.

RM
Rachel M.
Physician, Seattle
Limited Early Access

Your money should be
working harder.

Join thousands of everyday investors who are done leaving returns on the table. Early access is limited while we finalize regulatory approvals.

No spam. No commitment. We'll reach out with early access details.

2,400+
On the waitlist
$10k–$500k
Target investor range
0.25%
Starting AUM fee