Life's too short
‍to work forever.

Playbook is a step-by-step app for growing your money and minimizing taxes so you can live the life you want, sooner.

See how Playbook works in 30 seconds

See how Playbook works

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4.7/5

Rated Excellent
on Trustpilot1

$7B+

in financial
plans built2

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4.5/5

Rated Excellent
on Trustpilot

$7B+

in financial
plans built1

2X

Playbook Plus ROI Learn more

“Playbook estimates it can help boost net worth by about $1.3 million.”

Lucinda Shen, October 2021

Estimated net worth boost based on specific tax advantage maximization strategies. Methodology and assumptions.

See how much you could boost your wealth with Playbook

Calculate now

The hard truth about money

You only have one life, often filled with long workdays
and stress about money. It doesn’t have to be that way. The reality is that growing your wealth is achievable with the right system.

You only have one life, often filled with long work days and stress about money. It doesn’t have to be that way. The reality is, growing your wealth is achievable with the right system.

The intelligent money system
you deserve

The intelligent money system you deserve

Building wealth requires more than picking stocks or automating investing. With Playbook, you unlock the proven system for building wealth.

Unified

One seamless platform that ensures every financial decision is based on your personal situation.

Simple

We leave the complexity below the surface to give you clarity on what really matters.

Proven

Rely on research-backed strategies used by the world’s leading advisors and investors.

Low-cost

Keep more money in your pocket with membership starting at $9/mo and absolutely no AUM fees.

Automated

Your money routes to the most beneficial accounts automatically. No more missed opportunities.

Personalized

Adapts to your life’s changes so you’re always in the optimal financial lane.

Everything you need to build wealth smarter

Financial plan & tax strategy

Build a financial plan to maximize tax advantages and achieve your goals

Integrated investing

Invest with Playbook accounts that are tax-smart4, adaptive, and dialed into your plan

Easy-to-use automation

Put your money in the right places automatically so you can enjoy the finer things in life

Track net worth

Link all of your accounts to get a unified view of your money and financial freedom5 age

Optimized debt paydown

Pay your most important debt first without missing out on investing opportunities

Couples planning

Double your tax advantages, track your combined wealth, and plan for the future together

Here’s how it works.

We find your missed opportunities.

Simply connect your accounts and Playbook gets to work. Our analysis uncovers opportunities to minimize taxes and boost returns.

There’s a catch! This is time sensitive. If you don’t start strategically building wealth today, you’ll miss out on years of compounding interest.

Set up

We calculate your optimal tax strategy.

One of the most critical parts of your plan is maxing out your tax-advantaged accounts. Playbook also finds eligible accounts to increase your tax savings.

This is the backbone of your financial plan.

1

We build your
financial plan.

Based on your accounts, we build a personalized plan to optimize your investments, tax advantages, debt, and goals.

Think of it as a clear plan of action for securing your financial future.

2

We automate
everything for you.

We make sure every dollar you earn ends up in the smartest place, automatically, based on your unique goals.

It's set-it-and-forget-it if that's your style, but you can always make changes to your strategy whenever needed.

3

You reach financial freedom sooner!

Financial freedom is the age you can retire and live off of your assets until you're 93.
‍
As your personal finance navigator, Playbook adapts to your life's changes, ensuring you're always in the optimal financial lane.

Finally, you won’t have to wonder if you’re doing the best things for your money.

Get started

Buy a home

FI/RE

Start a business

Handle your debt with confidence

Wondering if you should pay your debt
or invest? You can (and should!) do both.
We’ll show you how.

We analyze your debt, create a realistic debt plan,
and help you stick to it.

Plus, we make sure you’re still investing as much as possible so you don’t miss out on growth opportunities.

Get started

Everything you need to build wealth smarter

Financial plan & tax strategy

Build a financial plan to maximize tax advantages and achieve your goals

Integrated investing

Invest with Playbook accounts that are tax-smart4, adaptive, and dialed into your plan

Easy-to-use automation

Put your money in the right places automatically so you can enjoy the finer things in life

Track net worth

Link all of your accounts to get a unified view of your money and financial freedom5 age

Optimized debt paydown

Pay your most important debt first without missing out on investing opportunities

Couples planning

Double your tax advantages, track your combined wealth, and plan for the future together

Pricing that really pays for itself

Playbook costs up to 90% less than working with a traditional advisor, plus we don’t charge you AUM fees. Your money is yours. We’re just here to grow it.

Playbook
Wealth advisor
from
$9
/month
Source: www.nerdwallet.com/article/investing/
how-much-does-a-financial-advisor-cost
$300
/hour

There’s no better time to start growing your money.

Get started

Smart Money Guarantee

The Smart Money Guarantee promises you an airtight financial plan, minimized taxes, and fiduciary protection—guaranteed.

Airtight Plan Guarantee

If you find a CFP that disagrees that Playbook is doing the best thing for your money, we’ll give you a refund. Details

2X Minimum ROI Guarantee

Playbook ROI of 2X for Plus subscribers with $49K+ in assets, or your money back. Details

Fiduciary protection

We have a legal duty to make recommendations that are in your best interest, not ours. Details

The sooner you start, the more time your money has to grow.

FAQs

What makes Playbook different? +

Playbook redefines financial planning with a focus on tax efficiency and an automated investment strategy.

Unlike traditional financial advisors, we leverage advanced technology to optimize your taxes and boost your net worth, all for a transparent monthly fee.

With bank-level security and a team of financial experts, Playbook is committed to accessible, smart wealth management, empowering you to achieve financial freedom faster and more efficiently.

Why are tax advantages urgent?+

Every year, the government gives you opportunities to grow your money and pay less in taxes — made possible by tax-advantaged accounts like 401(k)s, IRAs, Roth IRAs etc.

These tax opportunities expire every year. If you delay (even just one year) on filling those accounts, you’ll miss out on decades of compounding interest and an unbelievable opportunity to build wealth.

On the flipside, the sooner you start maxing out those accounts, the more likely it is that you’ll reach financial freedom sooner with the most money possible.

How much does it cost?+

Playbook offers two membership plans:

1) Playbook Essential, which costs $9/month. These are the essential features to get your financial plan up and running with the necessary tax advantages.

2) Playbook Plus, which costs $59/month. Clients on Playbook Plus receive everything from Essential in addition to advanced tax strategies such as Tax Loss Harvesting, Asset Location, and Smart Withdrawals.
‍
And we’re not like other apps, we’re a cool app. We’ll never charge hidden fees and you can cancel anytime. Learn about our pricing

How safe is Playbook?+

Privacy and security are our top priority. We keep your financial information safe with bank-level security, 256-bit SSL encryption, and read-only access.
‍
Translation: Your personal information is safe and secure with Playbook.

Is there an app?+

Yes! You can download the iOS app in Apple’s app store. You can also use Playbook and all its financial planning features from a web browser on your computer or smartphone.

See all FAQs

Repeat after us,
‍lower taxes higher returns

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1. Users rated Playbook as 'Excellent' on Trustpilot. Excellent is defined as an average rating above 4.3 out of 5.0 stars. Ratings are provided by Playbook clients. We do not pay Trustpilot and are unable to alter or remove ratings.

2. This is an estimate of what additional wealth Playbook subscribers who have completed the first step of onboarding to receive a financial plan  can create by maximizing their tax advantages. Our methodology consists of aggregating what you save each month, across all accounts, and then primarily focusing on maximizing tax-advantaged accounts; next, we focus on investing the excess money in after-tax accounts. The assumed performance across all accounts is the same; in line with long-term US equity returns. Differences in performance are mainly due to tax advantages (e.g. deferral or avoidance of gains, capital gains tax, etc.) or putting more money into after-tax investment accounts versus cash. Playbook does not assume that it would manage funds in any way that deviates from long-term return expectations of the broader US stock market; Playbook does not seek to "beat the market”.

3. The highest expected return is defined as 1) the interest rate on a debt, or 2) the historical performance of the selected portfolio for each goal.

4. “Tax-smart” is defined as portfolios created to optimize after-tax returns; therefore, some assets have different allocations between taxable and tax-advantaged accounts.

5. "Financial Freedom" is the age you can retire and live off your assets until 93.

Investment services offered by Herring RIA Sub, LLC (dba “Playbook Adviser”). Clients who sign up for the Platform offered by Herring Labs, Inc. (dba “Playbook”) may choose to utilize investment services offered by Playbook Adviser, but are not required to do so in order to use the Platform. Nothing on this website should be considered an offer, solicitation of an offer, tax, legal, or investment advice to buy or sell securities. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. All investments are subject to risk and may lose value. To learn more about Playbook Adviser please see Form CRS.

Copyright • 2024 Playbook. All rights reserved.
Playbook Plus ROI

If your Playbook ROI is less than 2x, we’ll refund the difference.

How is this calculated?

Your ROI is calculated by dividing your annual tax savings by your total Playbook subscription.

Who is eligible?

Exclusive to Playbook Plus subscribers with assets over $49K in Playbook accounts.

View full terms & conditions
Smart Money Guarantee

The Smart Money Guarantee promises you an airtight financial plan, minimized taxes, and fiduciary protection.

What is it?

When it comes to building wealth, there are no guarantees…or so you’ve been told!

The truth is, there actually IS a proven, reliable way to grow your money. It’s how Certified Financial Planners, billionaires, Nobel-prize-winning economists, and fancy endowments manage their money.

Now, you can get their best tax-lowering, return-boosting strategies with Playbook, backed by the industry’s first Smart Money Guarantee.

Airtight Financial Plan Guarantee

Playbook makes advanced financial planning available for all, and our plans are based on the methodology used by Certified Financial Planners. If you find a CFP that disagrees that Playbook is doing the best thing for your money, we’ll give you a refund.

View full terms & conditions

2X Minimum ROI Guarantee

For our Plus subscribers: We're committed to ensuring your tax savings are at least double your yearly subscription fee. If you have $49K or more in Playbook accounts and don't receive that value, we've got your back — we'll refund the difference.

View full terms & conditions

Fiduciary Protection

Playbook adheres to the Fiduciary Standard. For subscribers who opt-in to our investment accounts, Playbook has a legal duty to make recommendations that are in your best interest, not ours.