Effortless & Efficient Management
Pricing
Would you like to potentially cut portfolio management costs by over 75%?
Pricing
Would you like to potentially cut portfolio management costs by over 75%?
Take Firm A: They manage $300 million and employ ten advisors. They currently pay third-party managers 0.5% in fees, which comes to $1.5 million annually.
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Pricing
Would you like to potentially cut portfolio management costs by over 75%?
Pave Pro charges a flat monthly fee per advisor, which could save Firm A over a million dollars a year.
We think that sounds like a good investment, but we’ll let you decide.
We think that sounds like a good investment, but we’ll let you decide.
Workflow
Would you like to streamline your portfolio management?
Workflow
Would you like to streamline your portfolio management?
Take Firm B: They are primed to land a high-net-worth family account, but the family also requires that all three of their children’s accounts be managed. Despite the children’s accounts being much smaller than the parent account, managing them will require the same effort.
Workflow
Would you like to streamline your portfolio management?
Pave Pro enables automated portfolio management that positions accounts of any size to perform well without requiring extra oversight. Simply ingest a client IPS, and Pave will generate, manage, and trade a custom-built portfolio.
You can always manually adjust any client account, but Pave ensures you can allocate your time where it is most valuable
You can always manually adjust any client account, but Pave ensures you can allocate your time where it is most valuable
Personalization
Would you like to easily meet every client's needs, no matter how nuanced?
Personalization
Would you like to easily meet every client's needs, no matter how nuanced?
Take Firm C: They cater to young, high-earning clients with large stock allocations. These clients have a wide range of risk profiles and value-driven investment preferences.
Personalization
Would you like to easily meet every client's needs, no matter how nuanced?
Pave Pro’s technology can balance client risk tolerance, existing holdings, tax situation, and personal preferences. If a client’s needs change, Pave can reallocate and re-optimize their portfolio accordingly.
Pave can help accomplish any client request, no matter how unique, without sacrificing high-quality service. Build the future of your firm with technology you can access today.
Pave can help accomplish any client request, no matter how unique, without sacrificing high-quality service. Build the future of your firm with technology you can access today.
Why Pave Pro
Pricing
Would you like to potentially cut portfolio management costs by over 75%?
Take Firm A: They manage $300 million and employ ten advisors. They currently pay third-party managers 0.5% in fees, which comes to $1.5 million annually.
Pave Pro charges a flat monthly fee per advisor, which could save Firm A over a million dollars a year.
We think that sounds like a good investment, but we’ll let you decide.
We think that sounds like a good investment, but we’ll let you decide.
Workflow
Would you like to streamline your portfolio management?
Take Firm B: They are primed to land a high-net-worth family account, but the family also requires that all three of their children’s accounts be managed. Despite the children’s accounts being much smaller than the parent account, managing them will require the same effort.
Pave Pro enables automated portfolio management that positions accounts of any size to perform well without requiring extra oversight. Simply ingest a client IPS, and Pave will generate, manage, and trade a custom-built portfolio.
You can always manually adjust any client account, but Pave ensures you can allocate your time where it is most valuable.
You can always manually adjust any client account, but Pave ensures you can allocate your time where it is most valuable.
Personalization
Would you like to easily meet every client's needs, no matter how nuanced?
Take Firm C: They cater to young, high-earning clients with large stock allocations. These clients have a wide range of risk profiles and value-driven investment preferences.
Pave Pro’s technology can balance client risk tolerance, existing holdings, tax situation, and personal preferences. If a client’s needs change, Pave can reallocate and re-optimize their portfolio accordingly.
Pave can help accomplish any client request, no matter how unique, without sacrificing high-quality service. Build the future of your firm with technology you can access today.
Pave can help accomplish any client request, no matter how unique, without sacrificing high-quality service. Build the future of your firm with technology you can access today.
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Tale of Three Clients
How Pave Pro can solve even the most specific of client needs.
Client A
Retired American Airlines pilot whose portfolio has a significant allocation of stock from his former employer.
Pave’s Solution:
- Add assets that are complementary with the risk and return profile of AA to create a bespoke portfolio that holistically manages risk to the client's benchmark.
- Actively manage the non-AA assets on an ongoing basis to ensure the portfolio remains well-positioned as AA’s characteristics and market conditions change.
Client B
A high-net-worth individual who bought Apple, Microsoft, Tesla, and Meta stock early and now has a portfolio with a multi-million dollar unrealized gain.
Pave’s Solution:
- Identify if selling the assets will benefit portfolio performance and weigh that against the tax impact of realizing the gains. Only if the benefits outweigh the tax implications will Pave choose to sell the assets.
- Attempt to offset realized gains by realizing losses to mitigate tax impact. Sold assets will be replaced with new assets to maintain a portfolio that aims to maximize returns, control risk to the client’s benchmark, and suit the client’s preferences.
Client C
Climate-conscious investor who wants to invest in the energy sector without investing in specific companies.
Pave’s Solution:
- Intake the list of assets a client does not want to invest in. Pave will then build a custom portfolio of individual stocks that exclude the listed assets while remaining diversified across sectors.
- Ensure the portfolio suits market conditions and client risk tolerance on an ongoing basis by automatically adjusting selected assets and their weights to achieve an optimal mix of underlying risk and return factors.
Client A
Retired American Airlines pilot whose portfolio has a significant allocation of stock from his former employer.
Pave’s Solution:
- Add assets that are complementary with the risk and return profile of AA to create a bespoke portfolio that holistically manages risk to the client's benchmark.
- Actively manage the non-AA assets on an ongoing basis to ensure the portfolio remains well-positioned as AA’s characteristics and market conditions change.
Client B
A high-net-worth individual who bought Apple, Microsoft, Tesla, and Meta stock early and now has a portfolio with a multi-million dollar unrealized gain.
Pave’s Solution:
- Identify if selling the assets will benefit portfolio performance and weigh that against the tax impact of realizing the gains. Only if the benefits outweigh the tax implications will Pave choose to sell the assets.
- Attempt to offset realized gains by realizing losses to mitigate tax impact. Sold assets will be replaced with new assets to maintain a portfolio that aims to maximize returns, control risk to the client’s benchmark, and suit the client’s preferences.
Client C
Climate-conscious investor who wants to invest in the energy sector without investing in specific companies.
Pave’s Solution:
- Intake the list of assets a client does not want to invest in. Pave will then build a custom portfolio of individual stocks that exclude the listed assets while remaining diversified across sectors.
- Ensure the portfolio suits market conditions and client risk tolerance on an ongoing basis by automatically adjusting selected assets and their weights to achieve an optimal mix of underlying risk and return factors.
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How Pave Pro Works
Pave Pro harnesses a proprietary approach that combines cutting edge technology with a system that managed billions while powering one of the best performing strategies at a major Wall Street firm.
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Asset Scoring
Pave generates risk and return scores for over 9,000 assets on a weekly basis. These scores identify an asset’s underlying characteristics, giving Pave Pro nuanced insight into its expected performance and risk profile as well as how it will complement other assets.
Portfolio
Construction
Construction
Pave’s portfolio construction system analyzes the current and expected state of the market, then uses our proprietary asset scores in concert with client preferences to create an optimized asset allocation tailored to market conditions as well as a client's financial goals and personal values.
Active
Management
Management
Pave Pro evaluates client portfolios monthly and makes adjustments when changes occur to certain assets or broader market conditions. All recommendations aim to improve client portfolios by maximizing expected return while controlling risk to the client’s benchmark.
Tax
Optimization
Optimization
In the case of taxable accounts, Pave Pro weighs performance and tax implications when gauging changes to client portfolios. When possible, losses are realized to offset gains. Sold positions are then replaced with assets that aim to optimize the portfolio’s net return.
Asset Scoring
Pave generates risk and return scores for over 9,000 assets on a weekly basis. These scores identify an asset’s underlying characteristics, giving Pave Pro nuanced insight into its expected performance and risk profile as well as how it will complement other assets.
Portfolio Construction
Pave’s portfolio construction system analyzes the current and expected state of the market, then uses our proprietary asset scores in concert with client preferences to create an optimized asset allocation tailored to market conditions as well as a client's financial goals and personal values.
Active Management
Pave Pro evaluates client portfolios monthly and makes adjustments when changes occur to certain assets or broader market conditions. All recommendations aim to improve client portfolios by maximizing expected return while controlling risk to the client’s benchmark.
Tax Optimization
In the case of taxable accounts, Pave Pro weighs performance and tax implications when gauging changes to client portfolios. When possible, losses are realized to offset gains. Sold positions are then replaced with assets that aim to optimize the portfolio’s net return.
Powering the Next Generation of
Portfolio Management
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© Copyright 2024 Pave Finance, Inc. All Rights Reserved
4 Source: Vanguard; Pave performance is actual performance of the Islay affiliate Systematic Alpha investments, LLC. Please see disclaimers at the end for more details
The above material is for educational purposes only and not an offer, solicitation, or recommendation. Investing is speculative and involves risk, including the possible loss of principal. Performance herein is from Pave affiliate, Systematic Alpha Investments, LLC (“Systematic Alpha”). Systematic Alpha is a registered investment adviser. Such registration does not imply any level of expertise by the registrant. Performance assumes the reinvestment of all interest, capital gains, dividends, and fees and expenses of 0.5% charged on an annualized basis. Past performance is no guarantee of future results. Performance results may vary on an investor-by-investor basis.