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Portfolios designed for
optimal investing outcomes

Meeting life's stages through automated active investing.
A better take on risk and return.

Investment Philosophy
Challenging The Status Quo

We challenge the idea that portfolios can be held based on historical studies of risk (volatility) and return, the founding theory of traditional ("strategic") asset allocation. Looking backward may fail to adequately measure what the market environment will present to an investor in the future. 

Our Investing Approach

We incorporate these two concepts - the inevitability of short-term volatility and the need to protect principal during bear markets - into all of our strategies. We believe that this provides an investment philosophy that aligns itself with the investor's goals over the long-term.

Avoiding Protracted Downturns

We also avoid strategies that take the opposite approach, those that overemphasize short-term fluctuations in an attempt to mitigate "risk". In our view, the real risk to the investor is what our predecessors have termed "permanent loss of capital."Short-term volatility is a prerequisite to generating higher returns. Protracted market downturns are the real enemies of a investment portfolio, drawdowns that can permanently reduce potential growth.

We'll invest your account in our time tested investment strategies that adapt to take advantage of opportunities and reduce risk when needed. We'll automatically reinvest dividends, rebalance your portfolio to keep you in the right mix of investments.

Our strategies are designed to seek various levels of risk. The portfolios are dynamically created based on advanced research into economic, fundamental, technical, and market psychology factors. As these market conditions change, the strategies are re-allocated accordingly in an effort to capture upside market movements and avoid protracted downturns.

How We Invest Your Money

Risk Profile Score
Managing Investment Risk To
Your Personal Score


Determining the right amount of investment risk that is right for you is critical. Mismatched investment risk exposure can result in investors falling into a trap of buying based on euphoria and selling based on fear.

Rather than use age alone to identify the optimal level of risk and mix of investments, Our proprietary risk profile questionnaire measures 3 risk attributes:​

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"I want to sell all my stocks."

"I'm ready to buy stocks."

"I'm too scarred."

"I want to buy more stocks."

An adaptive approach to asset allocation.
Because when investing risk rises, diversification often fails.

Diversification often fails when investors need it most. We believe that successful investing starts with applying a flexible approach to manage risk and avoid significant market downturns. When times are good we like to invest in a handful of the best performing asset classes, for example tech stocks, U.S. mid cap stocks, high yield bonds. During market downturns we shift investments from stocks to bonds and cash in an effort to avoid losses.

When diversification fails...2008

U.S. Fixed Income

U.S. Large Cap Stocks


U.S. Small Cap Stocks


Foreign Stocks



SOURCE: www.callan.comU.S. Large Cap Stocks: Measures the performance of the S&P 500 is a market-value-weighted index of 500 stocks. The weightings make each company's influence on the index performance directly proportional to that company's market value. U.S. Small Cap Stocks: Measures the performance of small capitalization U.S. stocks in the Russell 2000 index a market-value-weighted index of 2,000 smallest stocks in the broad-market Russell 3000 index. Foreign Stocks: Measures the performance of the MSCI ex USA which is an international index that is designed to measure the performance of equities in developed markets in Europe, Middle East, Pacific region and Canada. U.S. Fixed Income: Measures the performance of the Bloomberg Barclays US Aggregate Bond index which includes U.S. government, corporate, and mortgage-backed securities with maturities of at least a year.

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