In a few simple steps, you can create a core account that is diversified, tax-efficient, and easy on your wallet.

The fees are exactly the same as our other fees. Please see the fee schedule page for details.

There is no minimum amount required to start investing in the Wealth Builder Program.

Diversification: Asset allocation spreads investments across various asset classes (such as stocks, bonds, and real estate) to reduce risk. Different asset classes often perform differently under the same economic conditions. By diversifying, investors can mitigate the impact of poor performance in one asset class with gains in another, reducing the overall volatility of the portfolio.

Risk Management: It allows investors to manage their risk tolerance effectively. By allocating investments according to one’s risk appetite, financial goals, and time horizon, investors can aim for optimal returns while keeping the risk at a manageable level.

Maximizing Returns: Proper asset allocation can help investors maximize returns by capitalizing on the growth potential of various asset classes. For example, equities have historically provided higher returns over the long term compared to bonds, but they come with higher volatility. Allocating assets according to personal goals and market conditions can enhance the portfolio’s growth potential.

Adaptability: Asset allocation isn’t a set-it-and-forget-it strategy. It allows for adaptability to changing market conditions and personal circumstances. As financial goals, risk tolerance, and the economic landscape evolve, reallocating assets can help investors stay on track toward their goals.

Discipline: A strategic approach to asset allocation can help investors maintain discipline during market volatility. It encourages a systematic approach to investing, such as rebalancing the portfolio to its target allocation, which can prevent making impulsive decisions based on market highs and lows.