– A Robo-advisor is a low barrier to entry and a low cost solution that uses a sophisticated algorithms to determine your recommended mix of financial assets based on your goals and risk appetite. However, there are limitations:

(1) lack of personalization,

(2) lack of investment strategies or options,

(3) lack of empathy – no one to manage emotional rollercoasters, and

(4) little to no human interaction. If you are looking for flexibility, customization, and/or a human touch, consider partnering with an investment manager. As an added benefit, Otium can help combine your financial plan (includes tax mitigation + estate planning) with your portfolio to meet your objectives more efficiently.

First, we take the time to understand your timeline, risk tolerance and capacity, and most importantly, your objectives.

Second, we research and employ globally focused exchange traded funds to build and diversify portfolios.

Third, we identify your target asset allocation to set expectations of a realistic rate of return based on your personal risk profile.

Fourth, we recognize the difficulty in choosing consistent winners, so through diversification of asset types, sectors, we can mitigate the risk of loss.

Fifth, we believe the easiest way to boost returns is by keeping costs low.