Aplicação Certa is an investment advisory firm accredited by XP, headquartered in Porto Alegre and serving clients online across Brazil. It focuses on helping people who already invest understand whether their portfolios suit their needs, with an emphasis on income, security, and transparency. Its free, online Portfolio X-Ray reviews investments product by product, assessing costs, liquidity, maturity dates, returns compared with the CDI benchmark, income generated, and risk. Clients receive a clear diagnosis and practical guidance, with no obligation to open an account, transfer assets, or make changes.

For clients who choose ongoing advice, the firm helps organize portfolios around income goals, liquidity needs, time horizons, and tolerance for risk. It explains product costs and how the advisory firm is compensated, and states that investment transactions require the client’s authorization. Aplicação Certa also offers financial calculators and educational guides covering retirement, living on investment income, advisory fees, business cash reserves, inheritance costs, and investment products.