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Pricing

Start free. Pay only when a Blueprint is what you came for.

The IQ Score is free and ungated — take it first. Paid tiers unlock the exact ETF allocations, full analytics, and the retirement bucket system. Annual-first for Year 1; monthly billing opens at Year-2 renewal.

Free · no credit card

The ETF Portfolio IQ Score

An ungated 8-question self-assessment — no dollar amounts. You’ll get your IQ Score, the Blueprint archetype that best fits your general profile, that archetype’s full performance summary, and the open-source-credibility hook.

Take the free IQ Score

Paid subscription tiers

Explorer

Pick Your Blueprint

$249/yr

Year 1 annual-only · $29/mo from Year 2

The front door, for the investor who already knows the construction they want.

  • One Blueprint of your choice — exact ETF tickers and percentages, US or Canadian.
  • Full backtest data — returns, volatility, max drawdown, Sharpe/Sortino, recovery periods.
  • Step-by-step implementation guide per brokerage.
  • IQ Diversification Score and the full Drawdown Catalogue.
  • First-Hour Setup Guide, Drawdown Survival Kit, and community forum access.
Start with the free IQ Score
Most popular

Builder

Compare & Combine

$699/yr

Year 1 annual-only · $79/mo from Year 2

All four Blueprints and the full analytics suite — for understanding the whole landscape, or running several across accounts.

  • Everything in Explorer, for all four Blueprints (US and Canadian).
  • IQ Factor Fingerprint, Attribution Report, and IQ Stress Test (Monte Carlo).
  • The Rebalancing Signal — cohort-based quarterly trade lists.
  • Side-by-side comparison, rolling-return analysis, and cross-portfolio correlation.
  • The Asset Location Map plus the Currency Hedging and Rebalancing bonuses.
Start with the free IQ Score

Decumulator

The Retirement Bucket System

$1,799/yr

Year 1 annual-only · $199/mo from Year 2

Everything in Builder, plus the bucket allocator built for the decumulation job no target-date fund covers.

  • The Decumulator Bucket Allocator — all four Blueprints combined, matched to one of 5 profiles.
  • Asset-Location Illustrator — a generic, illustrative example by account type.
  • Walk-Forward Validation and the full Correlation Matrix Explorer.
  • Custom Blueprint Builder — test any ETF combination against the standard Blueprints.
  • Sequence-of-Returns Risk Guide, ETF Due-Diligence Checklist, and Founding-Member badge.
Start with the free IQ Score

Be first when the founding cohort opens

The paid checkout isn’t open yet. Founding enrollment runs October 5–18, 2026, capped at 50 members. Leave your email and you’ll be first in line — or start free with the IQ Score meanwhile.

No dollar amounts, ever. Unsubscribe anytime. Education, not advice.

Year-2+ monthly billing ($29 / $79 / $199 a month) becomes available at renewal.

The Founding Charter · Oct 5–18, 2026

A founding rate that never rises — not a discount.

The founding price is the list price. What joining early gets you isn’t money off — it’s a rate that’s locked for as long as you stay, plus a real say in what gets built next. Here is exactly how it works, with nothing hidden.

The lock is real because the increase is real

Explorer is scheduled to rise to $299 in 2027. Founders never pay the increase — the rate you join at is the rate you keep. The lock matters only because the increase is named and scheduled, so we name it.

A 50-seat founding cohort

The first cohort is capped at 50 members — a real limit on how many people one engineer can onboard well, not a counter invented to rush you. A smaller cap applies if the founding list stays small at launch.

A dated window, no fake timers

Founding enrollment opens Monday, October 5, 2026 and closes Sunday, October 18, 2026 at 11:59 pm. Real calendar dates — no resetting countdown clocks, no “ends at midnight” theatre.

For context, not comparison

A 1–2% annual fee on a $250,000 portfolio is $2,500–$5,000 every year, forever — often for what is, underneath, a model portfolio. Explorer is $249, once a year, and you own the decision and the trades.

What founding members keep

  • Lifetime rate-lock — your founding rate never rises while your membership stays active.
  • Founding-Member badge & roadmap influence — a vote on the next archetype and the next jurisdiction we build.
  • Accumulator first-access — first in line, at locked founding pricing, when the Accumulator ships.
  • Office Hours with a bank-Treasury systems engineer — a general methodology AMA. This is educational discussion of how the engine and the Blueprints work; it is never a personalized portfolio review or individual investment advice.
Start with the free IQ Score

The founding cart opens October 5. Until then, take the free IQ Score and you’ll be first in line when founding enrollment opens.

The two-tier guarantee

Risk-free to try, confidence-backed to keep.

Tier 1 · Unconditional

30-Day Full Refund

Try ETFWealthIQ for 30 days. If you don’t find it valuable for any reason whatsoever, email us and we’ll refund 100% of your payment. No questions. No hoops.

Tier 2 · Confidence

The 90-Day Confidence Guarantee

Implement any Blueprint, check in through one quarterly rebalancing cycle, and if after 90 days you don’t feel significantly more confident about your investment approach, we’ll extend your membership 90 days free.

This is a confidence guarantee, not a performance guarantee. ETFWealthIQ never promises investment returns.

Pricing questions

Why is Year 1 annual-only?
The core value is delivered quarterly, at rebalancing. A full annual cycle captures all four rebalancing events before you make a renewal decision — and it matches the behavior the service is built around: implement, hold, rebalance quarterly. Monthly billing opens at Year-2 renewal as a flexibility option for proven subscribers.
Is this investment advice?
No. ETFWealthIQ is an educational publisher. The Blueprints are illustrative model portfolios presented for educational purposes — not personalized recommendations. We’re not a registered investment adviser, portfolio manager, or financial planner. For decisions about your own situation, consult a qualified financial professional.
What’s actually open source?
The backtesting engine — Boutquin.Trading — is MIT-licensed and public, along with the construction models, covariance estimators, and validation tools. You’re paying for the curated Blueprint configurations and the delivery layer on top, not for the math, which you can audit for free.
Can I move up a tier later?
Yes. Explorer is the front door; Builder adds all four Blueprints and the full analytics; Decumulator adds the retirement bucket system. Most investors start with the free IQ Score, then choose the tier that matches what they want to do next.

The first step is free.

Take the IQ Score, see the archetype that best fits your general profile and the backtest behind it, and decide from there. Founding enrollment opens at launch.

Start with the free IQ Score

Important disclaimers

Educational content only. ETFWealthIQ provides financial education only. Model portfolios are illustrative examples presented for educational purposes and are not personalized investment recommendations. ETFWealthIQ is not a registered investment adviser, portfolio manager, or financial planner. Past performance of model portfolios does not guarantee future results. Before making any investment decision, consult with a qualified financial professional who understands your individual circumstances, goals, and risk tolerance.

Backtested results. All historical performance data represents backtested results computed by open-source software (Boutquin.Trading) using actual historical index and ETF return data. Backtested performance is hypothetical and does not represent actual trading. The source code used to generate these results is publicly available for audit. Actual investment results may differ materially. Past performance is not indicative of future results.

Canadian investors. This educational content does not constitute investment advice under Canadian securities law. The provision of investment advice in Canada requires registration with provincial securities regulators, which ETFWealthIQ does not hold.

Open-source software. The Boutquin.Trading backtesting engine is open-source software provided under the MIT License. It is a general-purpose research tool. Use of this software to make investment decisions is at your own risk. The software authors and ETFWealthIQ are not responsible for any losses incurred.