Question 1

Do I need to deposit or transfer money to start a paid plan?

Accepted Answer

No. YieldPulse never holds or moves money — every dollar stays at your brokerage. A paid plan unlocks more brokerages, more rollups, and faster alerts; none of that requires depositing funds to us, because there’s nowhere to deposit to. You subscribe in the dashboard, link your brokerage through Plaid, and YieldPulse starts reading your existing accounts on day one.

Question 2

What does Pro actually add on top of Free?

Accepted Answer

Everything Free does — one brokerage, daily email digest, drift alerts, the reinvest queue, CSV holdings import, and the treasury rotation engine. Pro adds unlimited connected brokerages (instead of one), Slack alerts alongside the email digest, family and multi-account rollups, priority trade-day support, API access for power users, and a custom rule layer for reinvestment ladders. Annual saves 31% versus monthly at $99/yr; monthly is $12.

Question 3

Do you store my brokerage credentials, and is it different on Pro?

Accepted Answer

We never store your brokerage username or password — credential capture happens inside Plaid’s vault, and we only receive a revocable, scoped token tied to your user id. The token (encrypted with AES-256 at rest), your holdings and dividend snapshots, and the rules you configure are stored against your account; retention is identical across Free and Pro tiers. See our privacy policy for the authoritative window and how to request deletion.

Question 4

How does the free trial work for Pro?

Accepted Answer

Start a 14-day free trial by creating an account and choosing either Pro plan — monthly or annual — at signup. No charge for two weeks; no card required for the Free tier. From the dashboard you can downgrade, cancel, or switch tiers before the trial ends and you won’t be billed. After the trial, the tier you picked continues at its listed price (Pro Monthly $12/mo, Pro Annual $99/yr, Founding Member $79/yr locked for the first 100 users).

Question 5

What happens if I cancel or downgrade my paid plan?

Accepted Answer

Cancellation is in your dashboard and stops the next charge immediately — no support ticket, no waiting on us. Your account drops to Free at the end of the current billing period: one connected brokerage, email digest, drift alerts, the reinvest queue, and CSV imports stay on. Connected brokerages over the Free limit pause sync (no data is deleted) and resume when you re-subscribe or remove one. Founding Member is locked at $79/year for life; downgrading forfeits that rate.

Feature	YieldPulse Pro	YieldPulse Advisor Edition	Generic robo-advisors
Control of individual holdings	Yes — every position stays on your brokerage, and the buy/sell button is always yours to press.	Per-client visibility into individual holdings across multiple portfolios.	No — they're the portfolio manager; you pick a risk profile, they pick the holdings.
Automated dividend reinvestment	Yes — DRIP is a default rule; choose taxable vs. cash by account, and YieldPulse queues reinvestments to follow your plan.	Review dividend and reinvestment activity portfolio by portfolio in one advisor workflow.	Partial — DRIP is typically on by default with no per-account control or pause.
Treasury-rotation automation	Yes — when your cash allocation exceeds the threshold you set, YieldPulse rotates the excess into Treasuries on a schedule you choose.	Track treasury-rotation activity across client portfolios with cross-portfolio visibility.	No — most robo-advisors don't sweep idle cash into Treasuries on your behalf.
Daily Slack and email summaries	Yes — daily digest by email, plus Slack-channel alerts on trades, drift, treasury rotations, and dividend events.	Cross-portfolio reporting for daily activity with advisor workflow support.	No — Betterment and Wealthfront email periodic summaries; they do not post to Slack.
Tax-aware behavior inside retirement accounts	Yes — YieldPulse sees that an account is an IRA or 401(k) and skips the taxable-only actions, so dividends stay where they belong.	Per-client visibility into account-type-aware behavior across multiple portfolios.	Partial — robo-advisors collect dividends but don't offer account-type-aware automation you can configure.

Free during beta. Pro when it ships. Cancel any time.

Free

Pro

Advisor Edition

Questions that come up at checkout.

How YieldPulse is different from Betterment and Wealthfront.