Luum Wealth VS Codegres.org

Luum Wealth's answer

Next.js App Router with React and Tailwind CSS for the web app, and marketing site. Clerk for authentication, Stripe for billing, SnapTrade for read-only brokerage connections, and the Bank of Canada Valet, Statistics Canada and US Federal Reserve H.10 feeds for rates, inflation and FX. AI features run on Anthropic's Claude API. Hosted on AWS.

Luum Wealth's answer

Luum is a portfolio analytics and tax-record layer for Canadian retail investors. It connects read-only to your brokerages and brings TFSA, RRSP, FHSA and non-registered accounts held at different institutions into one view, converted to one currency. Four things set it apart. It looks through your ETFs to the companies they hold, so two funds holding the same names cannot hide a concentration. It measures your portfolio against the index and against the plan you set, funded with your real contributions on the dates you made them, because a percentage return flatters you when you have been adding money into a rising market. It tracks drift from targets you set by asset class, region, sector and security, and computes the what-if trades that would move you back toward target; you place any trade yourself, at your brokerage. And it keeps an adjusted cost base pooled per taxpayer across every account and brokerage, through years of partial sales, which is a number no single brokerage can compute. Luum is not a broker, not a custodian, not a registered adviser and not tax-filing software: it holds no money, has no order path, makes no recommendations and files nothing. Your data is stored in Canada and analysis is educational only.

Luum Wealth's answer

Choose Luum when the job is analysing your investment accounts against the targets you set, across every brokerage at once. Against an aggregator like Wealthica, Luum is narrower and deeper: investment analysis and a tax record rather than a dashboard of every account you own. Against Passiv, Luum measures and never places a trade. Against Sharesight, Luum is Canada-first: registered-account context, CAD and USD converted per transaction date, and ACB pooled across institutions. Against Greenline, your data arrives through read-only brokerage sync instead of manual entry. Against Wealthfolio, Luum is hosted and done for you rather than local and self-maintained. Against a spreadsheet, it is the record that does not go quietly wrong. The Starter plan is free forever with no credit card required. Luum's own comparison pages state the case where each of those tools is the better choice, so you can decide on the job you need done rather than on a ranking.

Luum Wealth's answer

Self-directed Canadian retail investors who hold more than one account, usually across more than one institution: a TFSA at one brokerage, an RRSP at another, a taxable account somewhere else, often with holdings in both Canadian and US dollars. They have a plan they want to measure themselves against and a cost base they need to get right for the CRA, and no single login shows them the whole picture. Luum is available in Canada and covers Canadian and US exchanges. US account types and USD billing are built but not offered yet.

Luum Wealth's answer

The founder is a retail investor with accounts scattered across banks, brokerages and account types: a TFSA here, an RRSP there, a taxable account somewhere else. They wanted two things at once, a close-up view of every holding and a wide view of how it all added up against the plan they had set for themselves, and could not find a tool that did both without spreadsheet gymnastics. So they built one: a master Google Sheet, maintained by hand for years, recording every trade, every dividend and every new account. It worked, if working means hours of manual entry never recovered. Eventually they stopped patching the sheet and built the app instead, and have run their own portfolio through it for the past year. Luum is the tool they wanted: read-only connections to their accounts instead of copy-pasting statements, a defined strategy instead of a gut feeling, and no advice, ever. If they needed it, other investors juggling multiple accounts probably do too. (Luum publishes this under the byline "Founder, Luum Wealth" and does not use a legal name.)

Luum Wealth's answer

• Luum is a product for individual Retail investors, not businesses, and publishes no customer list or testimonials.
• The founder has run their own portfolio through it for the past year.