AssetAllocator.AISign in →

Get and keep your portfolio on track easily.

Keep your whole portfolio balanced and tax-smart — without the guesswork.

AssetAllocator helps you align your portfolio with your risk tolerance and financial goals — and keeps you on track to achieving them. Your money never leaves your brokerage. And no advisor fees!

See how it works Sign in

Invite-only · access is by personal invitation.

Why allocation & rebalancing matter

Your asset allocation is the engine of your long-term returns.

Decades of independent research — from Vanguard, Russell, Envestnet and Morningstar — point to the same conclusion: how your money is allocated and how disciplined you are about rebalancing and taxes matters far more than stock-picking or market-timing. Yet most people set an allocation once and let it drift. AssetAllocator keeps you precise.

~90%

of your long-term return pattern is explained by your asset allocation — not stock-picking or timing.

Vanguard, The Global Case for Strategic Asset Allocation (2017); Brinson, Hood & Beebower (1991)

0.1–0.45% / yr

estimated value added by disciplined, systematic rebalancing.

Vanguard Advisor's Alpha · Russell · Envestnet

up to ~1% / yr

estimated value of tax-smart asset location and tax management.

Vanguard Advisor's Alpha · Envestnet Capital Sigma

~3–4% / yr

total estimated value of a disciplined, low-cost, tax-aware approach that avoids behavioral mistakes.

Vanguard (~3%) · Russell (~3.5–4%) · Envestnet (~3%)

+22.6%

more risk-adjusted retirement income from a Gamma-efficient strategy — about the same as earning 1.59% more every year.

Morningstar, “Alpha, Beta, and Now… Gamma” — Blanchett & Kaplan (2013)

How it works

You decide. We do the math. You stay in control.

You select your risk and return metrics

Tell us your risk tolerance, return objective, and goals — plus how far you'll let things drift before it's time to rebalance, for your whole portfolio and each account.

We provide tax-efficient allocation targets and recommendations

We turn your inputs into target allocations across your accounts — placed tax-efficiently, with bonds steered toward your pre-tax accounts and growth toward your Roth when there's room — then give you the exact buy/sell list to reach them.

You trade your accounts

You place the recommended trades through your own brokerage, on your own schedule. AssetAllocator never touches your money — it stays right where it is.

We keep you on track with alerts

You get an alert the moment your overall mix, or any single account, drifts past the tolerance you set — so you always know exactly when it's time to act.

What you get

Tax-efficient recommendations

Trade suggestions that steer bonds toward pre-tax accounts and growth toward your Roth — so more of your return stays with you.

Drift monitoring

Watches your whole household and every individual account against the tolerances you set, and flags you the moment either wanders off.

Exact rebalancing trades

No vague advice — a clear, printable buy/sell list with dollar amounts and share counts per account.

All your accounts, together

Roth, Traditional IRA / 401(k), taxable and trust accounts — managed as one coordinated portfolio.

Your money stays put

No transfers, no account linking required. Keep everything at Schwab, Fidelity, Vanguard — wherever it is today.

Rebalance reminders

Optional email alerts when it's time to act, so you stay on plan without checking constantly.

Not a robo-advisor. A calculator that respects you.

AssetAllocator doesn't take custody of your money or charge a percentage of your assets. It does the math on the numbers you enter and tells you exactly what to do — you stay in full control and execute the trades yourself. It's a tool to keep a do-it-yourself investor disciplined and tax-smart, not personalized investment advice.

Invite-only — for now.

AssetAllocator is currently available by personal invitation. If you already have an account, sign in to get back to your portfolio.