MADE FINANCIAL DESIGN

Chris Madeira, the founder and CEO, serves as the firm's chief investment officer and lead portfolio manager. His prior roles at BlackRock and Charles Schwab focused on the design and delivery of retail-investment products, not on fundamental securities analysis, so the firm's investment approach relies on rules-based ETF portfolios rather than single-stock selection.

It is all three, legally bundled. The firm is a SEC-registered investment advisor that manages client assets directly and also operates an in-house product-design and engineering team that builds consumer-facing investment applications. The RIA license allows it to manage its own book of retail clients; the design studio serves external asset managers and banks.

Yes. A core part of the firm's business is developing white-label digital investment experiences — including robo-advisory platforms, goal-based planning modules, and direct-indexing interfaces — for external RIAs, banks, and asset managers. Because the firm uses these same tools to manage its own advisory clients, the products are pitched as battle-tested before a client deploys them.

The firm constructs portfolios primarily from low-cost ETFs using factor-based and goal-oriented allocations. The strategy emphasizes automated rebalancing and tax-loss harvesting delivered through digital interfaces, consistent with Madeira's design-philosophy background at large retail-investment platforms.

No public evidence suggests the firm operates as a family office or manages a single pool of private wealth. It is structured as an independent RIA and consultancy, serving multiple retail advisory clients and institutional design customers.