The Portfolio Checkup is a one-time $499 educational review of the IRA holdings and answers you provide. It is separate from Premium membership and is not a subscription, an advisory engagement or a fiduciary review.
What it is: a professional written report built from your holdings and your interview answers using the same published calculations the free X-Ray uses, plus IRA-specific considerations to discuss. What it is not: individualized investment advice, a recommendation to buy or sell, a tax or legal opinion, a projection, or a guarantee of any result.
Limitations: results depend entirely on the accuracy and completeness of what you enter. Missing fund data is labelled as missing, never estimated. We do not verify your holdings against your custodian, and we do not execute or arrange any transaction.
Delivery: the report appears in your account. Emailed delivery and saved report history are not connected in this preview and are shown as unavailable rather than implied.
Cancellation and refunds: the Checkup is a one-time purchase. Payment, refunds and cancellations are handled by the shared payment service and are not processed inside IRA X-Ray; the purchase list on your account page is read-only. If you have not yet submitted your interview and want to cancel, use the support page and we will handle it through that service.
Sharing: your holdings, answers and report are not sent to an advisor unless you explicitly request an introduction and consent on that screen.