How We Help

Economist William F. Sharpe has said figuring out how to invest and spend in retirement is the hardest financial problem. The solution is not difficult; it must be tailored to each client’s unique constraints and needs. Our software, SmartIncome, enables you to solve the problem for each of your clients. SmartIncome determines how much income your clients’ assets can deliver, creates spending plans and asset allocations, and rebalances the assets to keep your clients on track. All you have to do is help your clients come up with realistic income goals, aided by our software, and we do the rest.

SmartIncome helps financial advisors set up plans for their clients. Then each month the system calculates whether to rebalance or withdraw assets, and if necessary, sends trading instructions to the custodian to keep the client on track to meet his or her goals. Our analytics system displays performance relative to your clients’ goals, so that your clients can truly understand their investments’ performance, gain a long-run perspective, and see the benefits of hedging risk.

SmartIncome sits on top of your technology stack. (See graphic above.) Our system performs goal-based financial planning, portfolio management, rebalancing, benchmarking, and performance analysis. The software helps communicate with your clients before and after your meetings so that your time can be used most efficiently, permitting you to grow your business. The system includes a read-only client portal so that your clients can directly view some basic metrics and information at any time.

SmartIncome is built upon third-party data integration and aggregation services, a customer relationship management (CRM) system, and a custodian. You choose your preferred vendor for each of these functions, whether all-in-one or separate companies.

Want to see more?  Contact us to arrange a full demo.