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Nauma
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Optim API
Nauma is a financial planning platform built for people with complex financial lives, helping them navigate equity compensation, concentrated stock positions, high taxes, and complex portfolios spread across multiple accounts.
Unlike traditional advisors who charge high fees based on Assets Under Management (AUM), Nauma delivers fiduciary-quality guidance through technology, at a fraction of the cost. The name itself, "Nauma" ("No AUM"), reflects the company's mission to eliminate biased, asset-preserving models and empower people to plan on their own terms.
With Nauma, users can model major life decisions, such as taking a sabbatical, buying a home, or retiring early, understand the tax implications of RSUs and capital gains, and see their entire financial picture in one place. Alongside advanced planning tools, Nauma offers live Q&A sessions and a supportive community of peers facing similar challenges.
Nauma provides both a DIY path for self-directed planners and a Guided path for those who want extra support. The result: clarity, confidence, and control, without spreadsheets, gatekeepers, or oversized fees.
Disclaimer: Nauma is a technology platform, not a registered broker-dealer or registered investment adviser, and does not provide investment advice. Investing involves risk and investments may lose value. Past performance does not guarantee future results.
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Nauma's answer
Nauma builds financial goal-setting into the projection itself. Instead of one blended forecast, you split your goals into separate pipelines, each with its own accounts, its own start date, and its own finish date. Every pipeline still feeds into a single whole-life projection. That means you can actually see the optimal moment to do things like a Roth conversion, or buy vs. sell a house, instead of guessing. It's not just "run a projection." It's "plan each goal on its own timeline and see how they interact."
Nauma's answer
Most planning tools give you one big projection and call it done. Nauma lets you break your financial life into individual goals like retirement, a home purchase, or funding a sabbatical, each with its own dedicated accounts and its own timeline, then rolls all of it into one lifetime projection. That's what makes timing decisions visible: you can pinpoint the right window for a Roth conversion, or see exactly how selling a house in year 5 vs. year 8 ripples through everything else. Add automated account syncing and an included 1-hour plan review, and you get precision most DIY tools can't match.
Nauma's answer
People whose finances aren't simple: trusts, real estate, stock options and other equity compensation, multiple accounts across different institutions, and tax situations that don't fit a basic calculator. It's less about one job title and more about one pattern. Money that's complicated enough that a generic budgeting app stops being useful.
Nauma's answer
Nauma was founded by engineers who watched the traditional advisor model take 1% of assets a year (about $50,000 annually on a $5M portfolio) while the advice itself barely changed. Worse, that model rewards advisors for keeping money locked up instead of helping clients actually use it: buy a home, start a business, take a sabbatical. Nauma flips that. The name itself is short for "No AUM," reflecting the goal of building the planning tool the founders wished existed: automated, transparent, and backed by real support instead of a percentage fee.
Nauma's answer
Nauma's answer
Based on our record, Nauma seems to be more popular. It has been mentiond 1 time since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.
Hi HN, Iโm Alex. I previously worked as an engineer at Google, and Iโm building Nauma (https://nauma.ai). The idea came from trying to plan my own finances and watching friends in tech do the same. Once you have equity compensation, uneven income, high taxes, and early-retirement decisions, spreadsheets become fragile and hard to use very quickly. It's hard to reason about taxes, timing, and uncertainty at the... - Source: Hacker News / 7 months ago
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