AssetBuilder

AssetBuilder follows an evidence-based investment philosophy rooted in academic research. Portfolios are designed to capture market returns through broad diversification and factor exposure—specifically targeting small-cap and value premiums. The firm avoids market timing and individual stock selection.

AssetBuilder distinguishes itself by charging a flat annual retainer fee rather than the more common percentage of assets under management. This model is designed to reduce conflicts of interest as a client's portfolio grows. The fee covers investment management, trading, and rebalancing.

Client portfolios are built primarily using low-cost exchange-traded funds and mutual funds. Allocations typically span US equities, international developed and emerging market equities, fixed income, and real estate investment trusts. The firm does not invest in private equity, venture capital, direct real estate, or hedge funds.

Yes, the service is a hybrid model. The core is a direct-to-consumer digital platform for account setup, goal tracking, and automated portfolio management. Clients can also consult with human advisors for planning questions, blending technology with personal guidance.

The firm has not publicly disclosed the names of its current investment committee or managing principals. Its investment methodology is a systematic, rules-based process driven by the firm's proprietary model, rather than discretionary active management.