FAQ

The five questions we'd hear before you click “start trial.”

Plain-English answers to the most-asked objections — who this is for, what the $19/month actually covers, where Quillwright sits on the fiduciary spectrum, how cancellation works during the trial, and what happens to your data. No legalese, no fine print, no “are you sure?” flow.

• Who is Quillwright really for?

  Quillwright is built for DIY investors in the $25K–$500K retirement range who already understand the basics (RMDs, Roth conversions, asset allocation) but don't want to babysit a spreadsheet every weekend. It is not a CFP, not a financial advisor, and not a robo-advisor; it is an always-on agent that watches your accounts and tells you, in plain English, when something is worth doing. If you need bespoke estate-planning or complex tax structuring, you need a human advisor — Quillwright is the layer that runs between checkups.
• What does the $19/month actually cover — and what does it not?

  One flat $19/month subscription unlocks every paid surface: the agent dashboard, the quarterly plain-English plan, harvest alerts, allocation-drift alerts, and the proactive rebalance view. Payments for order flow are not accepted and there is no platform fee on top of your broker's own commissions. Quillwright does not bundle tax filing, estate planning, or one-on-one advice calls — those are out of scope by design so the price stays flat and the agent keeps doing the work it's good at.
• What is Quillwright's actual fiduciary / registration status?

  As of today Quillwright is a software product, not a registered investment adviser. The agent surfaces plain-English observations about your accounts — what is drifting, what is harvestable, when a Roth conversion would pencil out — but it does not pick specific securities for you and it does not file on your behalf. For personalized advice tied to your full picture (estate, business, cross-border tax), use a registered fiduciary. The agent's job is to make you a sharper client of that advisor, not to replace one.
• How do I cancel if I change my mind during the free trial?

  Cancel from the in-app Settings page on the subscription card — two clicks, no email, no 'are you sure' survey, no phone call. If you cancel during the 7-day free trial you are charged nothing at all. If you cancel after the trial converts, your access continues through the period you already paid for and you are not billed again. There are no cancellation fees and no pro-rated clawbacks; the next $19 simply does not run.
• How is my data handled and stored?

  Your accounts are connected read-only — Quillwright cannot place trades, cannot withdraw, and cannot move money. Holdings, balances, and the notes you add in-app are stored in the same region as the database and encrypted at rest. Authentication uses signed sessions issued by the auth module and never shared with third parties; emails are sent through Polsia's authenticated email proxy and never routed through a third-party tracker. You can export or delete your data at any time from Settings; deletion is permanent and propagates within 30 days.