BondLadder

BondLadder is a web + mobile robo-advisor focused on one thing most robo platforms ignore: building and maintaining simple, low-risk fixed-income ladders (T-bills, CDs, Treasuries, and high-grade bond ETFs) for cash management and near-term goals. Users set a target amount, time horizon, and liquidity needs; the app proposes a ladder, executes purchases via a brokerage connection, and automatically reinvests maturities while keeping a cash buffer. It tracks yield-to-maturity, duration, and concentration limits, and provides plain-English explanations of what changed and why. An AI layer helps translate goals into ladder structure, summarizes rate moves, and flags when a ladder no longer matches the user’s timeline. This is not a “beat the market” product; it’s a disciplined automation tool for people who want predictable cashflows and fewer mistakes.