Complex Clients, Simple Solutions, Wealth Management Revolutionized

In 2021, the CFA Institute published a view of what they thought a financial adviser’s workflow would look like in 2038.¹ They envisioned a world without model portfolios where advisers could tailor strategies to their clients' unique needs. This would be done through wealth management software able to build and manage portfolios that account for the most complex client situations in an automated, tax-efficient manner. 

With Pave, the future of wealth management has arrived fifteen years early and is ready for advisers to try today. To understand why Pave is the future of wealth management, let’s use Shelia as an example.

Shelia is a high-net worth individual who bought Apple, Microsoft, Tesla, and Meta stock early. She now has a portfolio riskier than she is comfortable with, which contains millions in unrealized gains. She also wants her adviser to account for her recent commitment to a healthier lifestyle by not investing in alcohol or tobacco products. However, Shelia still wants a portfolio that outperforms the market and minimizes the amount of taxes she will have to pay.

For traditional wealth management tools, Shelia’s situation represents a time-consuming, costly process that will still require compromises within her portfolio. With Pave, advisers are instead able to address this complex situation using an easy, data-driven approach.

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Pave enables an adviser to derisk Shelia's existing portfolio in a tax-efficient way without simply slashing the tech allocation or compromising on her preferred exclusions. To address Shelia’s circumstances and preferences, Pave might:

1. Slightly reduce her allocation to risky tech assets
2. Identify & sell assets that are in the alcohol or tobacco industries, have unrealized losses, or are expected to perform poorly
3. Allocate liquidity to assets that fit Shelia’s preferences and complement the portfolio’s specific risk characteristics to minimize tracking error to the chosen benchmark

This process will generate a set of suggested trades in just a few seconds that can be placed automatically in a single click without leaving Pave. Not only are Sheila’s requests satisfied without compromise, but Pave will also ensure her portfolio continues to be managed accordingly on an ongoing basis without the need for human intervention.

The CFA Institute predicted this level of personalization and adviser empowerment to arrive in the next two decades. However, Pave didn't just meet their expectations early – it has exceeded them.

Stop waiting for the future of wealth management to arrive. Start building it today, with Pave.

To learn more, please reach out by emailing sales@pavefinance.com or pressing the button below. We look forward to speaking with you.

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1. Wealth Management in the Algocen Era: A Speculative Future

2. Testimonial provided by Dre Griggs in August of 2023. Dre is not a current client of Pave Finance, Inc. (“Pave”) or any of Pave’s affiliated entities. Dre is an Independent investment adviser with $300 million in AUM.  No compensation was provided in exchange for this testimonial.

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