If you have less than $100k to invest, you get a robo-advisor that asks you 5 questions and dumps you into one of three cookie-cutter portfolios.

If you have more than $100k, you get a human advisor who charges 1-1.5% annually to... basically do the same thing with a smile and calming voice attached.

Meanwhile, institutional investors get custom strategies built around specific durations, target dates, tax situations and actual investment goals. Not because the math is harder—but because the economics only work at scale. Here's the thing: Both traditional advisors and robo-advisors maximize profit by minimizing choice and directing capital into the bias strategies that generate them additional margins. Both just tweak a risk slider and call it "personalization." But institutional-grade portfolio construction doesn't have to be exclusive to the wealthy. The road was paved by platforms like Plaid, brining API connectivity—platforms and asset aggregation into the mainstream. Modern AI completes the picture by making true personalization economically viable via "micro-advise".

No asset transfers, no new custodians, just sophisticated strategies based on your financial goals executed where you already invest coupled with personalized financial planning & budgeting.

Technical Solution:

We've built our MVP wealth management platform that creates truly personalized portfolios by combining institutional capital market expectations stemming 30+ global asset classes. All available through low-fee publicly available ETFs. Our approach:

- SEC licensed & compliant Registered Investment Advisor - Generates unlimited unique portfolio combinations optimized for risk, return & goal specifics.

- Personalizes to individual goals, not generic risk buckets.

- Learns and improves from every user interaction - Provides institutional-grade sophistication without human bottlenecks

- Removes manager bias for in-house strategies - Uses a "glidepath" approach similar to the US retirement target-date structure to maximize achievement certainty of important life goals (down-payment, retirement, etc)

- Seeks to bring elements of habit forming platforms (like Duolingo) into retail wealth. Business Model Innovation:

-Non-custodial + AI architecture enables subscription pricing ($10/month) instead of AUM fees. Users keep control of assets while getting personalized institutional strategies.

Research Validation:

- Glidepath strategies delivered higher values in 76% of scenarios (T. Rowe Price)

- Global diversification outperformed domestic-only in 96% of 3-year periods (Hübner) - Chance of success metrics for significant life goals like retirement & major milestones are measurably improved via behavioral advantages & sequence risk protection (T. Rowe Price).

Early Results:

-Alpha users report 90%+ cost reduction vs. traditional platforms with superior personalization. Institutional style portfolios achieving goal-specific optimization that would cost minimum 10x elsewhere.

-Base model portfolios have outperformed comparable portfolios from existing market incumbent robo-platforms on both an absolute & risk adjusted basis in H1 2025.

What's Different:

This isn't another robo-advisor using basic mean reversion. It's personalization that helps you understands and discover your specific goals and adapts continuously. Think "personal wealth manager in your pocket" rather than "generic portfolio assignment." All that, in a consumer product platform designed to empower retail investors and keep them engaged.

Next Steps:

Currently in invite-only alpha at www.fulfilledwealth.co. We focused early on the portfolio construction & delivery process and are now building out the consumer-facing aspects of the web application.

Looking for feedback from the HN community on our approaches to financial personalization.