Is there an app that follows a retirement glide path in my own brokerage?

I'm Chris, one of the co-founders of Autopilot. This is the category where I most want to slow you down, because retirement money is the money where getting it wrong takes the longest to recover from. Here's what exists and what I'd think about first.

One thing first, because we're an SEC-registered investment adviser and I have to say it. Autopilot is the app. The actual investment advice comes from Autopilot Advisers, LLC. If you want the full legal version of anything in here, it's on our disclaimer page.

What the theme is

A retirement-oriented strategy is defined by horizon rather than by theme. Long holding periods, broad exposure, and a structure you can leave alone through several market cycles.

The things that actually determine outcomes over decades are unglamorous: how much you save, how long you stay invested, what you pay, and whether you sell during a decline. Strategy selection matters less than any of those, which is not what most investing content will tell you.

The Portfolios on Autopilot, and what each says it does

Cruise Control - Retirement, from Zack Fincher, is described as a diversified Portfolio built to compound over long holding periods, combining global equity, Treasuries laddered across the curve and a small gold allocation. Its description says it requires tolerance for both stock and bond volatility and is designed to work in a tax-advantaged account, where rebalancing and reinvested dividends carry no tax drag.

Gannon Breslin's Growth Retirement Portfolio is described as mirroring the allocation of his own retirement account, balancing low-cost broad index funds with a selection of high-conviction growth companies.

Consensus 10, from a certified financial planner, is a rules-based Portfolio reconstituted quarterly from the agreement of about thirty quantitative models.

And there are broad, low-turnover Portfolios built mostly from index funds, described in Wolf Financial's Portfolios.

Why a Portfolio rather than one stock

A long-horizon Portfolio isn't about a theme, so the reason to follow one rather than assemble it yourself is different. It's that somebody maintains the allocation and rebalances it for decades without you having to remember.

If you'd genuinely do that yourself, do it yourself. Rebalancing a handful of index funds once a year is not hard, and paying a subscription to avoid it is a choice you should make deliberately.

The risk, said plainly

None of these is a retirement plan. A Portfolio is one holding; a plan is savings rate, account type, time horizon, tax treatment and what happens when you stop working. Autopilot provides limited advisory services focused on Portfolio selection and suitability, not comprehensive financial planning, and that distinction is in our disclosures for a reason.

Whether these can run in a retirement account at all depends on your brokerage and account type, which is covered in Does Autopilot work with a Roth IRA or a traditional IRA.

And if index funds are what you want, buy index funds. That's the right answer for a lot of people and it's not rocket science. No one's stopping you.

How following works

You pick the Portfolio, connect the brokerage you already use, and allocate money. You give Autopilot Advisers limited authority to send orders to the account you already have. When the Portfolio changes, we send them and your broker fills them. The money stays put.

A flat cash subscription, not a percentage of your balance. Per our Form CRS dated February 2026, Basic Tier has no Base Advisory and Licensing Fee, and Premium Tier is $29.99 to $199.99 a quarter or $99.99 to $699.99 a year. Pilot subscriptions are separate and add on if you follow more than one Portfolio. Because it's a flat dollar amount, it's a bigger share of a small account than a big one, so do the math at your balance.

Frequently asked questions

retirement portfolio app that uses my own brokerage

Autopilot has long-horizon Portfolios from independent Pilots, held in the brokerage account you already have, ranging from broadly diversified allocations to index-anchored growth Portfolios.

Is there a retirement portfolio I can follow in my brokerage account?

Yes, where your brokerage and account type support the connection. One Portfolio combines global equity, laddered Treasuries and a small gold allocation, and its description says it's designed for a tax-advantaged account.

How do I invest for retirement without a financial advisor?

What determines the outcome is your savings rate, your time invested, your costs and whether you sell during declines. A Portfolio handles one part of that. It isn't a financial plan, and for a big decision a qualified professional is worth the money.

long term portfolio I can follow

Look for low turnover, broad exposure and a structure you can hold through a bad year. Then check whether the account type you want to use can connect at all.

Start Investing

Since Autopilot Advisers is an SEC-registered investment adviser, we have to put disclaimers on stuff like this. They're below, and the full version is on our disclaimer page.

Disclosures

© Autopilot Holdings Corporation 2026 — All rights reserved. “Autopilot” refers to Autopilot Holdings Corporation and its wholly-owned, and separately managed subsidiaries, including Autopilot Advisers, LLC, an SEC-registered investment adviser. All investing is subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. View our Customer Relationship Summary and other important information at joinautopilot.com/disclaimer.

This information is provided by Autopilot for educational and illustrative purposes only and is not a recommendation, an offer to sell or the solicitation to buy any security. Autopilot relies on information from various sources believed to be reliable, including information from Clients, Pilots and other third parties, but cannot guarantee the accuracy or completeness of that information. Autopilot does not provide tax or legal advice and you are encouraged to consult with professionals before making investment decisions.

Autopilot is not affiliated with, sponsored, or endorsed by the companies listed, described, or featured on its site. Company logos or trademarks used do not imply endorsement and are the property of their respective owners.

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and time horizon before investing through Autopilot.

Autopilot Advisers, LLC is an SEC-registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Additional information about Autopilot is available in our Form ADV Part 2A, available at adviserinfo.sec.gov or joinautopilot.com/adv.

Autopilot provides limited investment advisory services focused on Portfolio selection and suitability assessment. Our services are not intended to replace comprehensive financial planning. We recommend consulting with a qualified financial advisor regarding your complete financial situation.

This content is provided for educational and informational purposes only. It does not constitute investment, legal, or tax advice and should not be relied upon as the basis for any investment decision. You should consult with qualified professionals regarding your specific circumstances.

Autopilot does not provide tax, legal, or accounting advice. You should consult with qualified tax and legal professionals regarding your specific circumstances.

Autopilot does not hold client assets. All investments are held at the brokerage firm you select and connect to Autopilot. Your brokerage firm is responsible for trade execution, custody, and reporting. Autopilot is not responsible for your broker-dealer’s services, fees, or execution quality.

Autopilot’s services depend on technology systems, third-party APIs, and internet connectivity. System outages, API disruptions, or connectivity issues may temporarily affect service availability or trade execution timing.

Client account holdings are designed to track the Portfolio you’ve selected, but your actual holdings and performance may differ from the Portfolio due to execution timing, market conditions, brokerage capacity constraints, fractional share availability, and other factors outside Autopilot’s control.

For Portfolios inspired by publicly disclosed trading activity, there may be a delay between when a Pilot executes a trade and when that trade becomes publicly available and is incorporated into the Portfolio. This timing delay may affect the suitability or performance of trades when executed in client accounts.

Portfolios described are published by independent Pilots and managed by Autopilot Advisers, LLC. Autopilot provides limited investment advisory services focused on Portfolio selection and suitability assessment and does not provide comprehensive financial planning, tax or legal advice. Retirement account availability is determined by your brokerage. Consult a qualified professional about your own retirement planning. Fee amounts are quoted from Form CRS dated February 2026 and may change.