(MONEY Magazine) – Individual investors know it's impossible to get a hotshot tech analyst on the phone. But iAnalyst.com purports to offer the next best thing: a staff of junior-level refugees from top Wall Street firms who respond online to questions about stocks for $14.95 a month. Started by former PC Magazine editor Tin Albano, 33, and former hedge fund analyst Yuki Kanaya, 29, iAnalyst was created to handhold smart people who make dumb mistakes, Kanaya says.

Can iAnalyst offer useful, personalized advice to the 60,000 investors that Albano hopes to sign up by the middle of next year? He figures only 5% of subscribers will want to chat one-on-one--most will just read reports and listen in on group chats. "It's like airlines overbooking flights," he says. He'd better be right: It would take 375 analysts working 40-hour weeks to give all 60,000 users 15 minutes of time each week. Right now it has four.

--AMY FELDMAN