Built for people whose income doesn't follow a straight line
Fidelity Heritage Union started with a simple observation: most financial tools assume a steady paycheck. We build for the people who don't have one.
Why we exist
Independent workers, freelancers, and small business owners face a planning problem that most financial software ignores: income that varies week to week and month to month. Standard budgeting tools, credit models, and cash-flow forecasts are built around fixed salaries, which makes them unreliable — or simply unusable — for anyone whose earnings fluctuate.
Fidelity Heritage Union was created to close that gap. Rather than adapting spreadsheet templates meant for salaried employees, we built our platform from the ground up around variable income patterns, using historical data and predictive analysis to help people plan with more confidence.
- Designed specifically for non-linear income, not adapted from salary-based tools
- Focused on practical capital allocation decisions, not just tracking spend
- Built with continuous input from the independent workers who use it
Helping variable earners plan with clarity, not guesswork
We believe financial planning tools should reflect how people actually earn — not force them into models built for a different kind of work. Our mission is to give independent workers the same level of forward-looking insight that has historically been reserved for predictable income streams.
Our values
These principles shape how we build the platform and how we work with the people who rely on it.
Straightforward analysis
We present data and projections in plain terms, avoiding jargon that obscures rather than informs a decision.
Built around real income patterns
Every feature starts from how variable income actually behaves, not from a generic budgeting template.
Careful with capital decisions
We treat allocation guidance with the seriousness it deserves, favoring measured insight over speculative promises.
Shaped by ongoing feedback
The platform evolves based on direct input from the independent workers and small businesses who use it day to day.
The people behind Fidelity Heritage Union
Fidelity Heritage Union is built by a small, focused team working across data analysis, product design, and financial planning. We work closely with the independent workers and small business owners who use the platform, using their feedback to guide what we build next.
Curious how Fidelity Heritage Union works?
See how predictive data analysis can support your capital allocation decisions.
Request a demoFidelity Heritage Union provides data analysis and planning support and does not constitute financial advice.