See what's working. Find what's costing you. Know what to review next.
Upload your brokerage, 401(k), IRA, bank, and investment statements. Get a clear X-Ray of your portfolio, costs, risks, retirement readiness, and potential blind spots.
$29 one-time. No login. No bank connection. Send PDFs or a spreadsheet. Payment only after we confirm we can work from your files.
The issues and opportunities that tend to hide inside financial statements.
It finds what deserves attention, and why — organized so you know where to focus first.
Portfolio risk
Excessive concentration and hidden exposure — a single stock, a sector, or employer stock when the file supports it.
Investment costs
What your funds may cost you each year, using published expense ratios on identified holdings.
Hidden overlap
When multiple funds provide similar exposure, so three tickers are not counted as three diversifiers.
Retirement readiness
Whether current savings may support your goals under clearly labeled assumptions.
Tax opportunities
Items worth reviewing — unrealized losses, wash-sale windows — flagged as considerations, not tax advice.
Cash & liquidity
Your cash position, stated yield, and how it compares with a dated public benchmark.
Your Financial X-Ray, explained clearly.
A preview from the sample household. Every figure below is sample data from the full report.
Your most important findings, ranked.
We prioritize findings based on potential financial impact — so you know what deserves attention first. That ranking is analysis, not a claim that every item is the "best" financial decision.
Single-stock concentration
42.7% of invested assets — about $192,917 — in one name. A 20% decline would be about $38,600 on that lot.
401(k) contribution may be below the full-match threshold
Statement shows a 4% employee election versus a 6% match formula. Verify with the plan portal.
Overlapping S&P 500 exposure
SPY, VOO, and FXAIX together are about $112,000 — 24.8% of invested assets — in the same index sleeve.
Investment costs on identified holdings
Asset-weighted expenses on known expense ratios illustrate about $1,850 a year if applied to invested assets.
Sample household. Open the full sample report.
Three steps. You stay in control of your logins.
Upload
Upload your financial statements — PDF or spreadsheet. No Plaid. No passwords. No bank connection.
Analyze
A Chartered Accountant (CPA-equivalent) and FRM extracts and reviews the information in your documents — not a chatbot.
Understand
Receive a prioritized report showing what looks healthy, what needs attention, and what to investigate further.
You pay $29 only after we confirm we can read your files. If we cannot, we say so before you pay.
Don't guess what's happening with your money.
See what a Financial X-Ray looks like — full holdings, dollar impact, and a ranked action list.
Built around your actual financial information.
The report distinguishes what came from your documents from what we calculated. We do not guess what you should buy or sell.
Document-supported facts
Balances, elections, and holdings printed on the statements you send.
Calculated estimates
Percentages, dollar impact, and weighted costs derived from those facts — with the arithmetic shown.
Illustrative projections
Retirement paths and fee-drag examples. Labeled hypothetical. Not a forecast.
Items requiring verification
Match formulas, lots, and plan menus that should be confirmed with HR, a CPA, or the original statement.
Who reviews it
A CA (CPA-equivalent) and FRM — not a chatbot.
Reports are prepared by Madhav Mohta, Chartered Accountant and Financial Risk Manager. You are buying a written second look at your statements — not software access, and not an ongoing advisory relationship.
- Full Financial X-Ray by email
- Prioritized list of items worth reviewing
- Score with the method explained
- No subscription unless you later ask for one
Common questions before buying.
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Financial X-Ray provides educational financial analysis based on information provided by the user. It is not investment, tax, legal or financial advice and does not recommend specific securities or transactions. Calculations and projections depend on assumptions and the completeness and accuracy of uploaded information.