THE PROGRAM

The SkyTails Savings Program

A dedicated savings and growth account built entirely around your pet — not insurance, not a donation, not a generic investment account. Your pet's own financial safety net, personalized and growing every month.

Dog

How your account is personalized

Your savings plan is shaped by two things: your financial profile and your pet's health profile. Together, they determine how your contributions are allocated and invested.

Your financial profile

We look at your income, savings capacity, investment horizon, and risk comfort level to understand what kind of growth makes sense for you.

Income and savings capacity
Investment timeline and goals
Emergency fund readiness
Risk comfort level (short quiz)

Your pet's health profile

Your pet's species, breed, age, and known health conditions affect how likely they are to need care — and how urgently you may need access to funds.

Species and breed risk factors
Age and life stage
Pre-existing conditions
Ongoing health management

Three portfolio types

Based on your profile, your account is placed into one of three investment strategies.

Conservative

Lower risk, stable returns. For pets with significant health needs or owners who prefer reliability over growth.

20% Equities · 60% Bonds · 10% ETFs · 10% Cash

Balanced

A balanced mix of growth and security. Adapts to your pet's life stage and your capacity for moderate risk.

45% Equities · 30% Bonds · 20% ETFs · 5% Cash

High Growth

Maximum long-term growth potential. For healthy, younger pets and owners with strong financial foundations.

68% Equities · 10% Bonds · 15% ETFs · 7% Cash
REGULATORY

Fully regulated and transparent

SkyTails operates under an SEC Internet Advisory License (IAL). All investment recommendations are generated by a deterministic, auditable system — every factor that shapes your account is documented and explainable. Trades are executed by Matty.ai (our Registered Investment Advisor partner) via Alpaca Markets. Your assets are held in custody by BMO (Bank of Montreal).

Ready to get started?

Set up your pet's account in minutes. No credit card, no commitments. See your personalized plan before you decide.

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