How it Works

When you sign up you will be provided 5 index fund/ETF investment models allocated in line with modern portfolio theory. You invest your clients funds in the appropriate model at your chosen custodian. When the models get out of balance you receive an email alert letting you know it is time to rebalance. From there you (or your administrator) execute a block trade for all clients in that particular model.

Our 3-pronged approach to adding value:

* Help you determine how to implement based on best practices
* Identify niche to drive growth in your practice
* Give back- We sponsor your firm with a kids financial literacy program



Click step 1 to begin
Create an account.
Create a username and password.


Choose billing frequency.
You can choose quarterly billing at $349.99/quarter ($1399.96/year) or annual billing at $1199.99/year.


Receive alerts!
When any of the models become out of balance by +/- 5% of the targeted threshold window, you will receive an email alert letting you know it is time to rebalance.

Simplify Your Business Today

As a financial advisor, your value with your best clients is in the relationship, not in the portfolios you've created for them. Unfortunately, many advisors spent way too much time creating and monitoring portfolios. There is so much information out there that often times advisors get caught up in information overload. The industry as a whole has overcomplicated investing. Investing for retirement doesn't have to be complicated, but it should be done right. We can help provide guidance.

Modern Portfolio Theory

As you know, MPT (Modern Portfolio Theory) is a simple, effective investing concept that provides diversification and balance between maximizing returns and minimizing risk. The fundamental idea behind the theory is that the individual assets (stocks, bonds, funds...) are less important than the overall picture of how assets are allocated across a portfolio.

Take a look at the chart below. It ranks the asset classes by performance annually over a 10 year period from 2005-2014. There is little consistency from year to year which makes it difficult to predict which asset class will be on top next year, 5 years from now, or 10 years from now.

The next chart shows how various industries within the asset classes performed over the same period. Once again there is little consistency from year to year.

Now imagine trying to predict the asset class that will perform the best, then the industry that will perform the best within that asset class, and finally the stocks/bonds/funds that will perform the best within the industry. Whew! There are enough variables there to cause a lot of stress. Wholesalers (and many advisors) often present fancy "what ifs" in the form of hypos, but fail to mention that most of their funds won't beat the indexes tracked. Nobody knows what is going to happen in the future.

In short, attempting to pick the hot stock, bond, or fund right now may sound sexy but in the long run you're better off ensuring your clients have the right mix of assets for their risk tolerance. And since the individual stocks/bonds are less important than the mix, it just makes sense to go with low cost benchmark funds to make up your allocations. Save yourself the stress of guessing what the markets will do.

Actively managed vs passive index funds and ETFs

Index funds and ETFs (exchange traded funds) track a benchmark, or an index (i.e...S&P 500) and are passively managed (low cost) to mirror the index. Actively managed funds are managed by a manager (or a team) and try to beat the benchmark by continually reviewing and selecting a subset of assets from the index using research and forecasting. Many advisors tout that actively managed funds are better because you have a team of people constantly researching, forecasting, hedging, and updating the mutual funds to obtain peak performance. Many of them (not all) say that because they get paid more on those mutual funds vs the passive index funds and ETFs. There are good mutual funds out there, and good fund managers as well...obviously they come at a premium fee for the client compared to the index/benchmark and those fees will eat away returns over time. The reality is predicting what the markets are going to do is incredibly difficult and the vast majority of funds out there don't beat the benchmarks in a given year. An extremely small percentage beat the benchmarks year in and year out. Your clients are becoming increasingly aware of this with the incredible popularity of robo-advisors rising. And since we know from MPT that the individual assets are less important, why not just go with the benchmarks then at a fraction of the cost? Do yourself and your clients a favor by providing them with actively managed (rebalancing as needed) passive allocations (index funds/ETF).


There are several theories out there regarding rebalancing.... set it and forget it, quarterly rebalance, annually rebalance, twice per year, birthday, periodically.... Those are all arbitrary and mean nothing.

We take the emotional element out of investing. We suggest rebalancing when you need to instead of at some arbitrary time. Whenever an asset class in one of the models is +/- 5% of its target allocation threshold, you'll get an email alert telling you it is time to rebalance. You (or your administrator) rebalance everyone who is in that model (block trades make this very efficient). This will also ensure you're buying low and selling high for your clients, taking emotion out of the equation. Pretty simple, right?

The Models

We created data science based algorithms to match index funds with the appropriate allotments in each model. We also use the algorithms to track the performance in each model, which trigger the rebalancing events.