We spent years building sophisticated portfolios and tools for pension funds and were frustrated that we didn’t have access to the same solutions for our own personal investment portfolios, at an affordable price.
We built our platform to change that. For everyone.
Our goal is to deliver the power of these ‘Big Guy’ strategies to individual investors like you – online and at low cost.
FutureSafe delivers institutional-grade investment solutions to all investors.
What does this mean to you?
First, we provide access to the most sophisticated factor-based strategies that academic studies suggest are likely to out-perform the typical industry benchmarks such as the S&P500.
Additionally, in our managed service implementations (the “Optimal” package, which starts at a $250k minimum investment), these strategies are directly implemented through hundreds of stocks in your brokerage account. Because we do not use any wrappers such as ETFs or Mutual Funds for stock-based strategies, you hold a sophisticated, scientifically and broadly diversified portfolio of hundreds of stocks and avoid the multiple layers of fees you are probably paying right now.
Second, we offer a fully-automated goals-based risk control panel that allows you to set an upside target and a loss-limit that acts as a safety net for your account. Our engine then manages these dynamically for you, with the goal of maximizing the chances of hitting your upside target without ending up below where you have set your SafetyNet. We implement this transparently in your account by allocating a dynamically computed portion of your account to a portfolio of US Government Treasuries, immunized to minimize the effect of interest rate changes. We are unaware of any retail platform that permits that level of personalized risk control.
Third, our fees are fair and flat fee – you can choose between a flat monthly subscription fee starting at just $1 a month.. You will have full access to all our sophisticated Goal-Based Upside Targets and the ability to set a SafetyNet, designed to work even if interest rates go against you and bond prices start to fall. Additionally, accounts are FREE for account values under $10,000.
FutureSafe offers various levels of automated investing including a Robo-Advisor style platform along with all the power of an intelligent Goal-Oriented investment engine that is designed to maximize your upside while securing your SafetyNet.
Some folks like to think of as a “Next Gen” Robo Advisor that is designed to bring sophisticated goal based investing algorithms online, rather than an online rehash of old-school retail strategies built from traditional old-school retail products
We charge a flat fee starting at just $1/month (free for accounts less than $10,000 in account balance) which includes high-performance ETF portfolios with custom upside target and SafetyNet goals.
For our managed service clients, we charge a flat monthly fee of $50 per month (with a $250,000 minimum account balance) which probably covers (i) everything you expect it to cover, (ii) a bunch of things you might not have expected it to cover.
Here’s what our flat monthly $50 fee covers:
In the United States, the Securities and Exchange Commission (SEC) regulates investment advisers and their investment adviser representatives.
FutureSafe is offered by Optimal Asset Management, which is an SEC-registered Investment Advisor, with over $700M discretionary assets under management (primarily pension plan assets in institutional separately managed accounts).
Here are a couple of important SEC filings with relevant facts about our business:
Our form ADV filing is here:
And our part 2 Brochure here:
In addition, Optimal is a fiduciary to our clients. This fiduciary standard of care means that Optimal is legally obligated to always act in your best interest, and not ours.
The most important thing to understand is that FutureSafe does not actually hold your assets. We act as an advisor on your account, which is always held at a FINRA-regulated third party, which performs custodial, clearing and account-keeping such as Apex Clearing Corporation.
For instance, even your account statements will clearly reflect the fact that they were prepared by the FINRA-regulated third party, not by Optimal.
We act as advisors, which means that we take on the responsibility of trading the holdings within your account in accordance with the risk preferences you set through the risk control panel.
Specifically, your money and assets are held in your brokerage account titled in your name, and are always segregated from all other client accounts. Furthermore, your assets are SIPC insured up to $500k, for each type of account you open. The details are all spelled out here.
For the US equity portion of your managed service account (i.e. the “Optimal” package), your money is directly invested in US stocks. We do not use any ETFs, mutual funds or expensive outside managers for US Stocks. As a result, managed service clients will never incur any pesky layers of embedded or hidden management fees for this portion of the account.
For safe bond exposure you will hold ultra-low-cost US Treasury Bond ETFs or other inexpensive instruments.
Our interactive risk control panel allows you to set a “SafetyNet” and “upside target” for your account over a desired time horizon. This panel connects to the Goal Optimizing Outcome Shaping Engine (that we lovingly refer to as GOOSE®) which then calculates a mix of stocks and bonds that maximizing the chance of hitting your upside target account level without going below your downside floor account level. This engine is regularly monitoring your account to help you reach your goals.
FutureSafe allocates assets like the big institutions do, aiming to ensure that you have the highest possible exposure to equities for upside, while minimizing the risk that you lose more than you can afford for your investment goal (e.g. like a down payment on your new home).
Asset allocation is automatically and directly based on the risk levels you set in GOOSE.
Here is how risk control works in practice:
If you choose to simply invest in one of the equity portfolios and disable your GOOSE risk control settings, the account will have zero allocation to US Treasury Bonds.
There is no lock up. It is always your money, in your account, legally titled to you at all times and never co-mingled with anyone else. You can allocate/ de-allocate to strategies, adjust risk controls and transfer cash in and out of your account on any day at no extra cost.
This is exactly one of the reasons why you have chosen to investment with FutureSafe.
Through FutureSafe’s intuitive and groundbreaking GOOSE® process you can set your downside floor. Our systems and portfolio management team’s overriding goal is to keep you above this floor at the end of your investment horizon.
Yes, you will receive quarterly account statements and trading confirmations. Forms like your 1099 are also available via your web-portal.
Go to https://invest.futuresafe.io . It takes about 5 minutes to create an account. Please reach out to firstname.lastname@example.org if you need help.
Most transfers happen painlessly through an automated all-electronic process known as an ACATS transfer. We do not charge a fee for an ACATS transfer.
We know that transfers of some 401k and IRAs can on some rare occasions be a hassle depending on where the assets are coming from (we’re not naming names, but we know who you are!). To makes these rare cases as painless as possible, we offer a complementary transfer-concierge service that is experienced in these account transfers, and can usually handle most of the hassle for you electronically. Email us at email@example.com.
You can also directly link your bank account to your FutureSafe account allowing you to transfer money in and out without incurring any processing fees, or of course, just wire the money in.
If you open a new account through us, you can open almost any type of account, including (rollover) IRA’s, Roth, individual or joint accounts, or trust accounts. The account opening process is usually entirely digital and happens within the browser (except for Trusts, which sadly involves a few extra hoops that we’ll help you with).
Most accounts can be approved immediately online, provided that we can verify your identity and you can pass our identity theft protection checks. In rare cases, you might be asked to provide additional documentation, which you can send us through our secure upload process.
There are no account minimums for our “Micro” package.
For managed service (“Optimal” accounts) our minimum investment is $250,000.
Accounts below $10,000 are always free.
Yes! FutureSafe’s automated tax loss harvesting algorithm is set to harvest available stock losses as part of its standard portfolio rebalancing process. The algorithm evaluates each separately managed client account to determine the total extent of realized gains in the portfolio. Its objective is then to maximize an offsetting loss that might be available in the form of unrealized losses by selling stocks that have gone down in value. These stocks are replaced by a basket of stocks that behaves similarly to the sold stock positions. The algorithm will also look to re-establish the sold positions (or similar risk exposures) back after 30 days (in compliance with the IRS “wash sale” rule).