Nothing had gone wrong. That was the problem.

My RSUs had vested the year before. They were withheld at the standard 22% supplemental rate, which was well below what I actually owed at my income. I found out when I filed.

Nothing had malfunctioned. The default withholding rate is the default for a reason, and the reason is not you.

The pattern repeats. Institutional defaults quietly moving money from people who earn well to the institutions holding it. Not through fraud. Through settings nobody chose and nobody explained.

Vestguard watches the calendar. RSU vests, paystub changes, bonus deposits, open enrollment windows, state moves, accounts left at old employers.

When something is coming that has a blind spot attached, we tell you what it is and how it works. Then we stop.

We explain what is happening and why it matters. We show you the trade-offs. We do not tell you what to do.

That is not a limitation we are working around. It is the design. A product that wants to manage your money has a reason to want something for you. This one doesn’t.

Your subscription. That is the whole list.

No assets under management. No tax prep fees. No insurance commissions. No sending your name to a broker. No ads. No selling data.

We are not licensed to give financial advice and we are not planning to be. Every other revenue model would give us a reason to want something for you. This one doesn’t.