Disclosure: PortfolioPilot is a technology product of Global Predictions Inc, a Registered Investment Advisor. You must subscribe to receive personalized investment advice.

Financial Resources Hub

Explore our comprehensive collection of articles, guides, tutorials, and tools across all areas of personal finance.

AI Financial Advisor

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Article

AI-Based Planning Tools vs. Traditional Certified Financial Planners

The 2024 Schwab Modern Wealth Survey found that only 36% of Americans have a written financial plan, which means most people still don’t. For many...

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Article

Do I Need a Financial Advisor?

In the intricate journey of financial management, it’s pivotal to weigh whether professional guidance is necessary. So, do you...

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What AI-Driven Investing Looks Like with PortfolioPilot

About 60% of households have been relying on online sources for investment information and advice for the past three years. Yet many still believe...

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Net Worth Tracking

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AI Portfolio Tracking vs. Excel Sheets

According to MX’s 2025 consumer survey, 24% of U.S. adults report using a spreadsheet or other manual process to track their finances. For many...

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Article

Kubera Alternative: Why Pay for Tracking What You Can Get for Free?

According to the Federal Reserve’s 2022 Survey of Consumer Finances, 58.1 percent of US households held stock or bond investments. As more households...

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Article

Credit Scores Are a Scam?

You’ve probably been told your credit score is the ultimate measure of financial health. Banks look at it. Landlords check it. Some...

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Estate Planning

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Revocable vs. Irrevocable Trusts: What’s the Difference?

Planning the future of your estate is crucial to ensure that your assets are managed and transferred according to your wishes. Trusts are powerful...

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Article

Living Trust or Will: Which Is Right for You?

Estate planning may sound complicated, but it doesn’t have to be. Two common tools you’ll hear about are living trusts and wills. So, which one should...

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How to Designate and Update Beneficiaries

Effective estate planning ensures that your assets are distributed according to your latest wishes, particularly through the designation and periodic updating of beneficiaries. This aspect of...

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Portfolio Management

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The Hidden Flaw in Risk-Adjusted Returns: Why Sharpe Ratio Fails in Real-World Investing

Many investors hear about the Sharpe Ratio and assume it’s the gold standard for measuring risk-adjusted returns. It’s taught in finance courses, used by...

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Why IUL Might Be a Bad Investment: Key Risks Explained

When you’re planning for your financial future, Indexed Universal Life (IUL) insurance might pop up as an option. On the surface, it sounds pretty...

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Article

Modern Portfolio Theory in Practice

Let's be honest - investing can feel overwhelming. With so many options and risks, how do you know if your portfolio is set up for success? That’s where Modern Portfolio Theory (MPT)...

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Retirement Planning

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2025 IRA Contribution Limits: What You Need to Know

Let’s be honest - saving for retirement can feel like a lot. Between all the rules, numbers, and deadlines, it’s easy to get overwhelmed. But here’s...

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Article

Monte Carlo Retirement Models: What They Miss

Monte Carlo simulations are widely used in retirement planning, but they often overlook key real-world risks. They run thousands...

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Article

How to Protect Your 401(k) From a Stock Market Crash

Navigating your retirement savings through a fluctuating market landscape, like that of the stock market, requires thoughtful strategies, particularly...

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Tax Optimization

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Tax-loss Harvesting: How a Few Trades Now Could Save You Thousands of Dollars

The investing information provided on this page is for educational purposes only. Global Predictions does not offer tax advisory services. Any potential tax...

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Article

The Wash Sale Rule: What It Is and How to Avoid It

We’ve seen it happen: a simple mistake with the wash sale rule can cost investors thousands in delayed tax savings. This rule might...

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Article

How to Use PortfolioPilot.com for Tax-Loss Harvesting

Tax-loss harvesting is a strategy that allows you to realize losses on underperforming investments to offset capital gains taxes today, while staying invested...

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Human Financial Advisor Horror Stories

Discover real-life histories of people dealing with the worst financial advisors – take a glimpse at the dark side of the investing world first hand!

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Global Predictions provides investment advice only through its internet-based application, PortfolioPilot, and only to individuals who are advisory clients of Global Predictions pursuant to written advisory Client Agreements ("Advisory Services"). The publicly available portions of the Platform (i.e., the sections of the Platform that are available to individuals who are not party to a Client Agreement - including globalpredictions.com and portions of portfoliopilot.com) are provided for educational purposes only and are not intended to provide legal, tax, or financial planning advice. To the extent that any of the content published on publicly available portions of the Platform may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. Nothing on the publicly available portions of the Platform should be construed as a solicitation or offer, or recommendation, to buy or sell any security. All charts, figures, and graphs on the publicly available websites are for illustrative purposes only. Before investing, you should consider whether any investment, investment strategy, security, other asset, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You are also encouraged to consult your legal, tax, or investment professional regarding your specific situation. Registration does not imply a certain level of skill or training. Investing involves risk. The value of your investment will fluctuate, and you may gain or lose money.


The contents of the Platform may contain forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates, and projections about the financial industry, the economy, or Global Predictions itself. Forward-looking statements are not guarantees of the underlying expected actions or future performance and future results may differ significantly from those anticipated by the forward-looking statements. Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements.

Note: our use of the term AI refers to all artificial intelligence models used including large language models, proprietary economic models that incorporate regression or dynamic factors, and machine learning methods like supervised learning.

1. As of November 14, 2025
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2. As of November 14, 2025
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3. $30B Assets on Platform as of February 20, 2025. Aggregated across all plans (including the free plan). Assets on Platform represent the total value of connected and manually inputted accounts (including assets like real estate and private equity) and does not in any way represent Asset Under Management as Global Predictions does not manage any client funds.
4. Global Predictions Secures a Winning Spot in Internacional M6 Financial Forecasting Competition
5. Comparison made to an individual with $1M AUM, paying an "average wealth manager fee" of 1.02% based on a 2023 study by AdvisoryHQ. 1.02% * 1M = $10,200 per annum. PortfolioPilot Annual Gold pricing is $20/mo * 12mo = $240 per annum. 240/10,200 – 1 = ~98% lower. Actual fees paid to any individual financial advisor will depend on specific financial circumstances and arrangements.
7. The 1.94% referenced figure represents the average calculated monthly continuous tax-loss harvesting gain over a 4-year period from 2018-2021 in the 2024-published JP Morgan report titled "Continuous tax-loss harvesting yields more potential for tax savings" (link).

8. Case studies presented are hypothetical scenarios and intended for illustrative purposes only. They do not represent an actual client, investment or experience, but rather are meant to provide an example of the intended investment process and methodology. An individual's experience may vary based on his or her circumstances. There can be no assurance that the Firm will be able to achieve similar results in comparable situations. No portion of this case study is to be interpreted as a testimonial or endorsement of the Firm's investment advisory services. The information contained herein should not be construed as personal investment advice.
9. The financial advisor described in this marketing language is referring to you, the reader. PortfolioPilot is meant to be an aid to the self-directed investor. "Complete financial advice" refers to the fact that PortfolioPilot includes tools for estate planning, tax optimization, net worth visualization, and scenario modeling, not just investment recommendations. See globalpredictions.com/disclosures for descriptions of conflicts of interest, use of AI, bias, and any other disclosures for Global Predictions Inc.
10. This analysis is based on data from publicly available reports, academic studies, and articles. Sources include Mullainathan et al. (2012): Study highlighting biases in financial advice and its misalignment with client interests; Morningstar (2024): Report on typical update frequencies from financial advisors; Bodnaruk and Simonov (2014): Research on the limited impact of financial expertise on investment outcomes; Financhill: Insights on hidden fees in financial advising, including expense ratios and transaction costs, as noted by Warren Buffett; Foerster et al. (2014): Study on the costs of financial advice, including average AUM fees of 2.43%.
11. $11M number calculated as 2024 YTD TLH savings study conducted across 24,000 PortfolioPilot users on November 18, 2024.
12. Based on assumptions and projections that may not reflect actual outcomes.
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