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You’re already saving for retirement We’ll help you create a plan

Our approach to investing is to focus on what’s best for you.

If you’re like most people, you probably have a lot of different financial accounts ­­ for things like retirement, checking, savings, stocks, and maybe even some CDs or bonds.

Diversifying your investments and keeping fees reasonable are two major keys to a long-­term financial plan that helps you reach your goals. But it was hard to get a clear picture of how you were doing across all of your accounts... until now.

We help you create a better investment strategy for your future. Tell us about yourself and what investments you have today, and our powerful recommendations algorithm will get to work. We’ll create an investment plan for all of your accounts that’s tailored to your age, risk tolerance, portfolio size and holdings, time to retirement, and more.

Our strategy is based on industry-­wide best practices like minimizing fees, diversifying portfolios globally, and minimizing taxes.

Below is real data showing how our recommendations compare with the average portfolios that clients held before switching to us. The right mix of investments in your portfolio can help you maximize growth while minimizing risk.

Age
Risk Tolerance

Average {{ age }}-year old’s Portfolio

Our Recommended Portfolio

Total
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Diversification and asset allocation do not guarantee profit or protect against loss. The ‘average portfolio’ displayed is based on aggregate diversification data for the un-optimized accounts of FutureAdvisor basic service users that: [linked] their accounts with us between December 1, 2014 and December 1, 2015; accessed their account at least two times; did not manually report assets in excess of $10,000,000; did not manually report annual income in excess of $999,999; and were at no time FutureAdvisor Premium product users. The [target portfolio] displayed is provided for illustrative purposes only and is not indicative of any particular investment. It is intended to demonstrate FutureAdvisor’s diversification principles and is based on your present age, stated risk tolerance, and an expected retirement age of 65.

Diversification is just one of many factors that should be considered when evaluating how to optimize your portfolio and whether to invest.

Want to see what we recommend for your situation?
Our advice is free. Getting started is simple.

1. Tell us about yourself and your household goals

Tell us the story of your current investments, taxes, time horizon, and goals. Our proprietary software links directly to your existing accounts, so our recommendations match up exactly to your holdings.

2. We analyze your finances right where they are

Tell us what you have by linking your accounts to our dashboard, or entering your holdings manually. This allows us to understand where everything is, and link that up with performance data. Our proprietary algorithm considers how well suited these holdings are, so you know what to keep and what to change, and why.

3. We provide recommendations and explain the why behind each

These recommendations are based on independent analysis and Modern Portfolio Theory, a Nobel Prize-winning theory focused on long-term investing. We don’t try to beat the market -- we attempt to protect your portfolio against volatility and help you reach your retirement financial objectives.

Ready to optimize your retirement?

You can follow our 9 best practices and enact our recommendations on your own. The recommendations will update as you trade and the market shifts. Our free service is available for you to use for as long as you’d like.

Get started for free

Retirement Advice

1. Tell us about yourself and your household goals

Tell us the story of your current investments, taxes, time horizon, and goals. Our proprietary software links directly to your existing accounts, so our recommendations match up exactly to your holdings.

2. We analyze your finances right where they are

Tell us what you have by linking your accounts to our dashboard, or entering your holdings manually. This allows us to understand where everything is, and link that up with performance data. Our proprietary algorithm considers how well suited these holdings are, so you know what to keep and what to change, and why.

3. We provide recommendations and explain the why behind each

These recommendations are based on independent analysis and Modern Portfolio Theory, a Nobel Prize-winning theory focused on long-term investing. We don’t try to beat the market -- we attempt to protect your portfolio against volatility and help you reach your retirement financial objectives.

Ready to optimize your retirement?

You can follow our 9 best practices and enact our recommendations on your own. The recommendations will update as you trade and the market shifts. Our free service is available for you to use for as long as you’d like.

Get started for free

Let us take your portfolio to the next level for you with full­-service wealth management

Prefer to hire us to handle the legwork and capture additional benefits for you? We can also serve as your portfolio manager, monitoring your investments daily. We serve as a fiduciary to our managed clients, which means we act in your best interest, instead of ours, under penalty of law. We’ll take strategic action when markets shift to help you reach your long­term goals, and deliver a range of benefits to your portfolio:

  • Holistic

    By considering all of your goals and investments together, our analysis allows you to work towards all of your goals with all of your accounts

  • Tax-Efficient

    Through advanced asset analysis, we place the right investments in the right accounts, and evaluate each trade’s impact on your portfolio before it goes through

  • Consistent Monitoring

    We check in on your portfolio every day, keeping it on track as markets move and rebalancing opportunities occur

  • Experts

    A team of financial advisors and service specialists are available any time you have questions

  • Tax-Loss Harvesting

    When markets shift, we can capture “paper losses” to offset gains elsewhere in your portfolio

  • 401(k) Advice

    We can manage some 401k plans, and advise on others

As your portfolio manager, we’ll make sure your portfolio is optimized every day, across all of your accounts, without you having to lift a finger.

We manage your investments to help you retire comfortably

Our portfolio backtest shows the value of our Managed service. If you started with $100,000 here's how we would have done:

  • FutureAdvisor
  • Traditional Financial Advisor
Risk Tolerance

Back tested returns are hypothetical and do not reflect actual investment results.
They do not represent the investment performance or the actual accounts of any investors, and this performance pre-dates the inception of the FutureAdvisor firm. The performance results were derived from the retroactive application of a model developed with the benefit of hindsight and not with real money at stake. No representation is being made that any account will or is likely to achieve results similar to those shown. Actual results may differ significantly from the hypothetical returns being presented. Past performance is not indicative of future results. Differences in account size, age of clients, risk tolerance, timing of transactions and market conditions prevailing at the time of investment may lead to different results.

The back tested performance reflects the simulated performance of a hypothetical model portfolio of Vanguard ETFs. Each representative ETF was selected based on its asset class exposure, risk tolerance, expense ratio and duration. The securities in these hypothetical portfolios were selected with the full benefit of hindsight, after their performance over the period shown was known. It is not likely that similar results could be achieved in the future.. The results shown are net of the FutureAdvisor management fee of .5% and do not include transaction costs.

These results are then compared with the performance of a “traditional financial advisor,” which is represented by the performance of a peer group of investment managers with similar risk tolerance and investment duration using the ARC Private Client Index for the Balanced Equity risk-profile. This comparison is provided only for informational purposes. There can be no assurance that the performance of the ARC Private Client Index during the relevant time period would have been representative of the performance of a traditional investment adviser implementing an investment strategy similar to that of FutureAdvisor. As a result, this may not be a meaningful comparison and should not be relied on in making an investment decision.

If your funds are at Fidelity or TD Ameritrade, we can manage them where they are

Not at Fidelity or TD Ameritrade?

We’ll help you take care of the paperwork to simply move funds over to one of these two trusted custodians “in-kind,” in a tax-efficient way.

Interested in learning more? Get started here to see what we recommend for your portfolio, situation, and goals.