Personalized Investment Management With a Fiduciary Adviser
Build a diversified investment strategy around your goals, time horizon, risk tolerance, and broader financial plan.
Investing, made personal .
There is no one-size-fits-all investment plan. While automated investing works for some folks, it simply isn't enough for anyone with a complex financial life. That's why we combine smart tools with the personal touch of a dedicated advisor.
Build Wealth
Just looking to invest generally and add wealth over time, no specific goal.
Retirement
Making sure you can retire on your terms and enjoy the golden years.
Kids savings
Helping your child with college tuition or to build wealth of their own.
Major Purchases
Saving for something like a second home, remodel or a wedding.
A better investing experience.
Read our investment strategyWe provide diversified investment portfolios designed around client objectives, risk tolerance, tax considerations, and disciplined rebalancing.
Investment results vary, and investing involves risk, including possible loss of principal.
Investment costs matter over time.
Expense ratios, advisory fees, commissions, and transaction costs reduce the amount left to compound. Cost is one important factor when evaluating an investment, alongside risk, diversification, strategy, tax considerations, and fit with your goals.
No commissions paid to Qmulate
Third-party charges disclosed
Fund expenses considered
Qmulate generally uses diversified, low-cost ETFs and reviews each fund's expenses as part of portfolio construction.
Grow your money at just the right level of risk.
Once we understand your goals, we customize our advice and build a personalized investment plan and portfolio for each one.
When your portfolio is properly risk-adjusted, you're set up to achieve optimal returns, helping you to achieve those goals as efficiently as possible.
We'll fine tune your portfolio by aligning your risk tolerance with your goals.
Your financial life, all in one place.
You can sync and track all your financial data, goals and investment accounts at any time as well as check your performance.
We'll also examine your portfolio and provide tips on how to improve your investment strategy.
The basics
We are available five days a week to answer any questions about your account that you may have. If you want in-depth financial advice, you can an appt by phone.
We also offer quarterly reviews to make sure your investments stay aligned with your goals.
We determine optimal asset class combinations based on a common sense application of Modern Portfolio Theory and is the foundation of our investment strategy. We then optimize the portfolio for downside risk at each level of expected return, mixing assets to minimize the risk taken and equalize portfolio composition by sector, size and style.
Qmulate will create and manage a cost-conscious, globally diversified portfolio of index-based exchange-traded funds across 12 major asset classes, tailored to your risk and time horizon. Index strategies may have lower turnover than actively managed funds, which can help limit taxable distributions in some accounts.
We're committed to providing you with a great financial experience. If you're not completely satisfied, we'll do everything we can to make it right.
We charge a blended asset-based advisory fee on assets we manage. We do not earn commissions, markups, 12b-1 fees, or similar transaction-based compensation for recommended securities.
As fiduciaries, we hold your best financial interests above all else.
1. Individuals who get professional assistance in managing their 401(k) accounts on average can earn 3.32% higher annual returns.
Source: Vanguard, Putting a value on your value, February 2019.
Supported Account Types: Individual | Joint | Trust | Traditional, Roth & SEP IRAs | 401(k) & 403(b) Rollovers | Solo 401k | College Savings (529s) | UGMA/UTMA