How it Works- Do you Divvy?

When you sign up, you will receive a recommended asset allocation for your investments based on your risk tolerance. In addition, we will provide you with specific, low cost index funds or ETF (exchange traded funds that track an index) that will fit into the recommended allocation model. You continue to invest on your own (we do NOT hold funds or ask you to link your accounts to us) and we send you alerts when you need to rebalance.



Click step 1 to begin
Identify your risk profile.
We ask you a handful of questions and recommend an asset allocation model based on your answers.


Choose your investment model.
You can choose to either use our recommendation or a different model if you'd like.


Create your profile.


Choose billing frequency.
Monthly ($35)
Annually ($360)
When the model  needs to be rebalanced we will let you know.

Simplify Your Investments
Strategy Today

There are a lot of people that don't want to hire a high priced financial advisor (for a variety of reasons). They want to be do-it-yourself investors. Unfortunately, there is so much information out there that often times people don't know where to begin or get caught up in information overload. Investing for retirement doesn't have to be complicated, but it should be done right. We can help provide guidance.

Modern Portfolio Theory

MPT (Modern Portfolio Theory) is a simple, effective investing concept that provides diversification and balance between maximizing returns and minimizing risk. The fundamental idea behind the theory is that the individual assets (stocks, bonds, funds...) are less important than the overall picture of how your assets are allocated across your portfolio.

Take a look at the chart below. It ranks the asset classes by performance annually over a 10 year period from 2005-2014. As you can see, there is very little consistency from year to year which makes it incredibly difficult to predict which asset class will be on top next year, 5 years from now, or 10 years from now.

The next chart shows how various industries within the asset classes performed over the same period. Once again you can see there is very little consistency from year to year.

Now imagine trying to predict the asset class that will perform the best, then the industry that will perform the best within that asset class, and finally the stocks/bonds/funds that will perform the best within the industry. Whew! I’ve got a headache just thinking about it.

In short, attempting to pick the hot stock, bond, or fund right now may sound sexy but in the long run you're better off ensuring you have the right mix of assets for your risk tolerance. And since the individual stocks/bonds are less important than the mix, it just makes sense to go with low cost benchmark funds to makes up your allocation.

Actively managed vs passive index funds and ETFs

Index funds and ETFs (exchange traded funds) track a benchmark, or an index (i.e...S&P; 500) and are passively managed (low cost) to mirror the index. Actively managed funds are managed by a manager (or a team) and try to beat the benchmark by continually reviewing and selecting a subset of assets from the index using research and forecasting. Many advisors tout that actively managed funds are better because you have a team of people constantly researching, forecasting, hedging, and updating the mutual funds to obtain peak performance. Many of them (not all) say that because they get paid more on those mutual funds vs the passive index funds and ETFs. There are some really good mutual funds out there, and some really good fund managers as well...obviously they come at a premium fee compared to the index/benchmark and those fees will eat away at your returns over time. The reality is predicting what the markets are going to do is incredibly difficult and the vast majority of funds out there don't beat the benchmarks in a given year. An extremely small percentage beat the benchmarks year in and year out. And since we know from MPT that the individual assets are less important, why not just go with the benchmarks then at a fraction of the cost?


There are several theories out there regarding rebalancing.... set it and forget it, quarterly rebalance, annually rebalance, twice per year, birthday, periodically.... Those are all arbitrary and mean nothing.

Everyone knows buy low and sell high but unfortunately many people don't do it. Their strategies end up being driven by emotion (they buy high when they are euphoric because the market is going up every day or sell low due to panic when the market is crashing).

We strive to take emotional element out of investing. We suggest rebalancing when you need to instead of at some arbitrary time. Whenever an asset class in your chosen portfolio allocation is +/- 5% of its target allocation threshold, you'll get an alert telling you it is time to rebalance. You then log in to your brokerage account and rebalance. This will also ensure you're buying low and selling high, taking emotion out of the equation. Pretty simple, right?

The Models

We created data science based algorithms to match index funds with the appropriate allotments in each model. We also use the algorithms to track the performance in each model, which trigger the rebalancing events.