Nearly all Robo Advisors are low-cost, passive ETF managers. These managers historically have all underperformed their benchmarks, which we believe is partially due to their outdated investment allocation process called “Modern Portfolio Theory”.

We manage your portfolios using a next-generation investment allocation process called “Heavy Tail Optimization” which is a fancy way of saying we maximize the amount of return potential in your portfolio, and minimize the amount of risk you need to take to achieve that return. Higher returns, for less risk.