Kubera has given me a top down view of my entire net worth, not just my portfolio. It helps me track all of my assets and debts no matter how small or in what form. I have no other tool that gives me this visibility. New features are constantly being added which gives me a positive feeling about any current gaps it has. The account authentication methods are very diverse which is great since some banks better integrate with Yodlee over another or vise versa. I also really appreciate the method to pass this info in my death to a loved one. So far I am a customer for life!