cutting-edge technology with a human touch
intellicents bionic advisor™
Applying what we’ve learned over 30 years of managing retirement plan money to you.
Security selection & asset allocation
Individualize advice & planning
Benchmarking risk, return, and cost
Fiduciary best-interest standard of care
Service level choice
smart people + great technology
Our intellicents bionic advisor™
services are designed to provide you the level of personal planning and investment advice from our financial professionals that fits your needs. You will work with a dedicated intellicents advisor in the creation and implementation of a customized bionic advisor portfolio.
Our intellicents bionic advisor™ enables us to combine our financial expertise with the power of an automated investment management platform that builds, maintains, and monitors your portfolio.
a simpler way...
You complete a short questionnaire based on your goals, risk tolerance, and timeline
We build you a diversified portfolio of Exchange Traded Funds (ETFs) or mutual funds
We help you complete the account opening and funding process
Your portfolio is monitored daily, and automatically rebalanced when needed
Invest for retirement, your kids’ college education, starting a new business, that dream vacation, or a major purchase. You can start with as little as $5,000.
At intellicents, we believe every investor deserves a financial plan as unique as they are. Our financial management professionals can put together a comprehensive financial plan that takes into account all aspects of your financial life - budgeting, insurance/risk management, tax planning, employee benefits, estate planning - which can act as a road map for making your dreams real.
Having a plan can help you be more confident that you are prepared to weather the ups and downs along the way.
meet vs. beat the market
With intellicents you have the choice of active or passive investment management strategies. The difference lies primarily in their stated goal and the approach used to reach it.
Active investment management strives to outperform specific benchmarks like the S&P 500. On the other hand, passive investment management attempts to replicate the return of a specific benchmark or index.
With active management, investment managers are hired based upon the perceived value they can add above and beyond the benchmark; while passive management stresses low cost, tax efficiency, and the concept of market efficiency. There is no consensus which approach provides superior results. It’s our job at intellicents to find and continually monitor the managers for each strategy.
Our goal is to define the characteristics of each approach in an effort to help you determine which best suits your needs and preferences. Before making a decision, it is important for you to consider your expected time horizon, tax and cost sensitivity, ability to tolerate performance variation, and other factors. These factors vary from one investor to the next and solutions can be just as unique, ranging from a purely passive to purely active approach or a combination of both.
a diversified portfolio
The intellicents bionic advisor™ uses an advanced algorithm and the professional insights of the intellicents investment solutions team to build and manage your portfolio. You will get a diversified portfolio composed of low-cost ETFs or mutual funds, all handpicked by our intellicents investment solutions investment professionals.
Portfolios include up to 16 asset classes across stocks, bonds, real estate, and commodities, as well as an FDIC-insured cash component... so they are truly diversified. And we monitor their performance on an on-going basis to make sure the ETFs and mutual funds continue to provide consistency and diversity.
Every intellicents bionic advisor™ portfolio has a target asset allocation - a combination of stocks, bonds, real estate, commodities, and cash determined by stated goals, risk tolerance, and time horizon. Overtime, contributions, withdrawals, gains, and losses cause a portfolio to stray from the original target and become unbalanced, potentially exposing you to more risk. When that happens, it’s time to rebalance by buying underweight and selling overweight asset classes.
intellicents bionic advisor™ monitors your portfolio with daily check-ins, and automatically rebalances it across all asset classes to keep your investments consistent with your selected risk profile.
One of the most effective tools for offsetting investment-related taxes is tax-loss harvesting. It involves selling a security that has lost value in order to offset the gain of another, and then replacing with a similar security to keep your allocations on track.
Tax-loss harvesting can be a complicated and time-consuming strategy; so for a long time it was only available to the wealthiest investors. But now, with an intellicents bionic advisor™ account of $50,000 or more, tax-loss harvesting can be handled automatically once you enroll in this service.
controlling cost... the one sure way to improve investment performance
Low cost, tax efficient investing
Low cost investment managers
Paperless technology that reduces
your cost of investing
No custody fees
No trading fees
Fiduciary best-interest standard of care
Choice of services, thereby paying
only for what you actually need
Full fee transparency and disclosure
part robot... all human.
We’ve combined the best elements of people and computers to give you more.
Our intellicents bionic advisor™ services are a combination of cutting edge technology and highly-compassionate humans, with just the right amount of personal insight and programmed sophistication to help guide you to the destination of your dreams. It takes an individualized approach to understand your unique needs, and makes it easier for you to set goals and reach targets. It’s a smarter way to manage your investments.