Frequently Asked Questions — Wealtheon AI

About the Platform

Why use science-based investing?

Investment comes with uncertainty. Modern Finance Theory provides proven solutions to construct robust portfolios, yet many investors are prone to numerous behavioral biases steering away from an optimal investment approach. Science and Math, paired with a repeatable proven investment process, are the best ways to reduce uncertainty (risk) in a systematic way while navigating towards a desired outcome (future wealth target / income from capital) and reducing those biases.

What is WealtheonAI?

WealtheonAI is a science-based wealth planning and investing platform that helps you plan, build, and maintain a disciplined long-term investment strategy. We combine institutional-grade portfolio optimization tools—like Strategic Asset Allocation, Monte Carlo simulations, and Mean-Variance Optimization—with AI-powered coaching to make sophisticated financial planning accessible to everyone.

Who is WealtheonAI designed for?

<ul><li><strong>Self-directed investors</strong> who want professional-grade tools without the traditional advisory fees</li><li><strong>Households</strong> planning for retirement, college, or financial independence</li><li><strong>Financial advisors</strong> looking for a powerful platform to manage client portfolios and deliver disciplined investment strategies</li><li><strong>Long-term planners</strong> who value evidence-based, rules-driven investing over market timing<br><br>WealtheonAI is currently <b>optimized for US-based investors</b>. Future versions will include support for European and Asian clients.&nbsp;&nbsp;</li></ul>

How do I get started?

<ol><li><strong>Create your account</strong> — Sign up with email or use single sign-on for quick access</li><li><strong>Complete your risk & goals questionnaire</strong> — Our dynamic questionnaire engine adapts to your answers to build a clear picture of your financial situation</li><li><strong>Link your brokerage accounts</strong> (optional) — Connect your Schwab accounts for real-time position data and automated trade management</li><li><strong>Receive your personalized plan</strong> — Get a Strategic Asset Allocation tailored to your risk capacity, time horizon, and goals</li></ol>

What makes WealtheonAI different from robo-advisors and human advisors?

Unlike typical robo-advisors that use simple questionnaires and cookie-cutter portfolios, WealtheonAI provides institutional-grade tools that were previously available only to large wealth management firms. Aside from supporting the user with developing a detailed, customized financial plan, our platform calculates a finely calibrated risk capacity and Strategic Asset Allocation strategy using mathematical optimization. In the pro plan you are able to access advanced allocation models, reflecting your own opinions about future asset class performance (Black-Litterman model). Retirement planning is done using Monte Carlo simulations. Combined with AI coaching and real-time drift monitoring, you get a truly personalized, science-driven investment experience. You still have access, on a PAYG basis, to talk to a human financial advisor.<br><br>WealtheonAI <b>does not ask you to move your money </b>and can <b>fit your existing allocation</b> (and potential unrealized capital gains) seamlessly <b>into the new target asset allocation</b>.<br><br>WealtheonAI believes that the services provided should <b>scale with AuM only in a very limited way,</b> and instead investors should pay a <b>fair fee for the quality of advice, largely independent of the size of their portfolio</b>, which is another key differentiator to both robo-advisors and human advisors.<br><br>WealtheonAI vehicle recommendations are based on a human-advisor curated investment universe ad the selection is entirely based on a quantitative criteria set defined by the investor. <b>WealtheonAI does not receive incentives from product providers and is independent.</b>

Is there a minimum balance to use WealtheonAI?

There is no minimum balance required to use the platform, however, building and rebalancing investment portfolios using ETFs may be less effective and accurate below about $25k. <br><br>You can start planning and exploring our tools immediately after creating your account. Different subscription tiers unlock additional features as your needs grow.

Mission & Vision

What is WealtheonAI's mission?

Our mission is to democratize sophisticated financial strategies through AI-driven insights, empowering every investor to achieve their long-term wealth goals with confidence and clarity, more efficiently.

What is WealtheonAI's vision for the future of finance?

We envision a future where personalized, institutional-grade portfolio management is affordable and accessible to everyone, powered by the seamless integration of human expertise, comprehensive algorithmic tooling, up-to-date market data, brokerage access, and AI-powered guidance.

Investment Process

How does WealtheonAI build my portfolio?

<p>We follow a structured, evidence-based approach:</p><ul><li><strong>Strategic Asset Allocation (SAA)</strong> — We determine your optimal mix across global asset classes based on your risk capacity, time horizon, and financial goals</li><li><strong>Mean-Variance Optimization</strong> — Using modern portfolio theory, we find the portfolio that maximizes expected return for your level of risk. This is based on actual historical data of investible vehicles.</li><li><strong>Diversification</strong> — Your portfolio is spread across multiple asset classes to reduce concentration risk</li><li><strong>Tax-Efficient Placement</strong> — Assets are located in the most tax-advantaged accounts available to you</li><li><b>Vehicle selection </b>- WealtheonAI recommends vehicles for creating exposure to the various asset classes based on a human expert-curated investment universe. The choice is purely based on the investors selection criteria and a quantitative ranking system. <br><br><b>WealtheonAI does not receive any incentives from product providers.</b></li></ul>

Do you use AI in portfolio management?

<p>Yes, but thoughtfully. AI plays specific roles in our platform:</p><ul><li><strong>Customized AI</strong>&nbsp;investment coach — Your personal investment coach that provides context-aware guidance and answers your financial questions. This is not financial advice but gives tool support and important insights. Also, in interview mode, you may have your AI interview you about key planning parameters to be used by the tool for accurate operation and recommendations.</li><li><strong>AI Concierge</strong> — Helps you navigate the platform and find the right tools for your needs</li><li><strong>Analysis &amp; Monitoring</strong> — AI assists with market data analysis, yield curve interpretation, and portfolio drift detection</li></ul><p>However, all investment decisions follow structured, evidence-based, quantitative models—not AI predictions. All models have been developed by human advisors and industry experts, so has been overall process flow.<br><br>We use AI to <b>enhance your understanding and experience</b>, not to speculate on markets.</p>

Is this active trading?

WealtheonAI follows a long-term, rules-based approach to investing. We <b>do not try to time the market or make frequent trades</b>. Instead, we focus on building a well-diversified portfolio aligned with your goals and rebalancing only when necessary to maintain your target allocation and manage risk.<br><br><br>

How often are portfolios rebalanced?

<p>WealtheonAI supports multiple rebalancing approaches:</p><ul><li><strong>Event-driven rebalancing</strong> — Automatically triggered when your portfolio drifts beyond your target asset class thresholds</li><li><strong>Periodic rebalancing</strong> — Scheduled at regular intervals (monthly, quarterly, etc.)</li><li><strong>Gradual rebalancing</strong> — Spreads trades over time to minimize market impact and tax consequences</li></ul><p>All rebalancing considers tax efficiency, and positions are automatically synchronized with your Schwab account before any rebalancing action.<br><br>If the user does not have a preference, WealtheonAI can <b>optimize the rebalancing frequency</b> based on portfolio size, complexity of the asset class framework, the number of connected accounts etc.</p>

Can I customize my portfolio?

<p>Absolutely. You can adjust multiple dimensions of your portfolio:</p><ul><li><strong>Risk level</strong> — Based on your completed questionnaire and years-to-retirement calculation</li><li><strong>ESG preferences</strong> — Include environmental, social, and governance scores in your optimization</li><li><strong>Income scores</strong> — Factor in income-generating potential of investments</li><li><strong>Tax considerations</strong> — Optimize asset location across taxable and tax-advantaged accounts</li><li><strong>Account selection</strong> — Choose which accounts to include in your analysis and reporting</li></ul><div>The <b>user keeps discretion of their portfolio</b> and can take individual positions / bets as well. Notably, this can be done <b>within the strategic asset allocation</b> set as part of the plan and within other guardrails such as position limits, allowing for a unique approach to risk and portfolio management where users do not want to entirely relinquish control of their assets.</div>

What is Strategic Asset Allocation?

Strategic Asset Allocation (SAA) is an institutional-grade approach to portfolio construction that determines your long-term target mix across different asset classes—such as U.S. stocks, international equities, bonds, and real estate. Unlike tactical approaches that try to time markets, SAA focuses on maintaining a disciplined allocation that matches your risk capacity and long-term goals. This is the same methodology used by pension funds, endowments, and large institutional investors.<br><br>WealtheonAI is currently working on a new feature, dynamic asset allocation, which allows for temporary risk adjustments based on market cycles

What is the "Plan-Build-Maintain" framework?

<p>Our structured investment process follows three phases:</p><ol><li><strong>Plan</strong> — Complete your risk assessment questionnaire, define your financial goals, and receive your personalized Investment Policy Statement (IPS)</li><li><strong>Build</strong> — Construct your optimized portfolio using Strategic Asset Allocation, enter your positions (manually or via CSV upload), and link your brokerage accounts</li><li><strong>Maintain</strong> — Monitor portfolio drift, receive automated rebalancing recommendations, track performance, and get ongoing AI coaching from Jordan AI</li></ol>

Risk & Performance

What returns should I expect?

Investment returns depend on market conditions, your asset allocation, and your time horizon. WealtheonAI does not promise or guarantee specific returns. Our focus is on risk management, diversification, and maintaining long-term discipline—the factors that evidence shows have the greatest impact on investment outcomes over time.

Does WealtheonAI guarantee performance?

No. No investment platform can guarantee performance, and we believe any platform that claims to is being misleading. What we do guarantee is a disciplined, evidence-based approach to portfolio management, transparent reporting, and tools that help you stay the course during volatile markets.

How is my risk level determined?

Your risk capacity is assessed through our dynamic investment questionnaire, which evaluates factors like your time horizon, income stability, financial obligations, investment experience, and emotional tolerance for market fluctuations. We calculate your Years to Retirement (YTR) using both simple and cash-flow-weighted methods to provide a comprehensive risk capacity assessment.

What happens during a market downturn?

<p>Market downturns are normal and expected. As a general matter, we believe do not believe in timing the markets as this is impossible even for most professional institutional investors. Instead we believe in building robust portfolios in line with our investors' risk capacity, and ensure that there short-term cash flow requirements can be met via allocations to lower volatility asset classes.&nbsp;<br><br>Beyond that, our platform helps you navigate them through market downturns:</p><ul><li><strong>Drift monitoring</strong> — Automated alerts when your portfolio deviates from targets</li><li><strong>Disciplined rebalancing</strong> — Systematic rebalancing back to your strategic targets (which often means buying assets at lower prices)</li><li><strong>AI coaching</strong> — Jordan AI provides context and guidance to help you maintain discipline during volatile periods</li><li><strong>Historical perspective</strong> — Yield curve analysis and market data to help you understand the broader economic context</li></ul>

Do you optimize for risk, not just returns?

Yes. This is a core part of our approach. WealtheonAI uses Mean-Variance Optimization and Black-Litterman models (not in basic plan) to find the optimal balance between expected return and risk. We believe managing risk is more important than chasing returns—because staying invested through market cycles is what drives long-term wealth creation.

Taxes

Does WealtheonAI consider taxes in its recommendations?

<p>Yes. Tax awareness is built into multiple layers of our platform:</p><ul><li><strong>Asset location optimization</strong> — We recommend placing tax-inefficient assets in tax-advantaged accounts (IRAs, 401ks) and tax-efficient assets in taxable accounts</li><li><strong>Tax-efficient rebalancing</strong> — Our rebalancing algorithms consider capital gains implications before recommending trades</li><li><strong>Tax efficiency ratings</strong> — Each investment vehicle receives a tax efficiency assessment to inform placement decisions</li></ul>

Does WealtheonAI provide tax advice?

WealtheonAI provides tax-aware insights and optimization tools to help you make more tax-efficient investment decisions. However, we do not provide individualized tax advice, tax preparation, or tax filing services. We recommend consulting with a qualified tax professional for specific tax questions related to your situation.

What is asset location optimization?

Asset location is the strategy of placing different types of investments in the most tax-appropriate account types. For example, bonds and REITs (which generate ordinary income) are typically best held in tax-deferred accounts like IRAs, while index funds and growth stocks (which generate lower or deferred taxes) may be better suited for taxable accounts. WealtheonAI's algorithms automate this analysis across all your linked accounts.

Planning & Goals

What types of goals can I plan for?

<ul><li><strong>Retirement</strong> — Model your retirement readiness with detailed cash flow projections</li><li><strong>Financial independence</strong> — Track your progress toward financial freedom</li><li><strong>Wealth preservation</strong> — Maintain and grow your assets with disciplined strategies</li><li><strong>Custom goals</strong> — Set personalized targets with specific time horizons and funding requirements</li></ul>

Do you run projections or simulations?

Yes. WealtheonAI includes Monte Carlo simulations that run thousands of market scenarios to estimate the probability of achieving your financial goals. These projections account for market volatility, your contribution schedule, and your specific asset allocation. Results show a range of outcomes rather than a single prediction, giving you a realistic picture of your financial future. This simulation also accounts for any cash flows that you are expecting in your future. Further, it assumes a state-of-the-art glidepath, which is logic that assumes investment risk reduction the closer you get to the end of your investment horizon.

What is an Investment Policy Statement (IPS)?

An Investment Policy Statement is a formal document that outlines your investment objectives, risk tolerance, constraints, and the rules governing how your portfolio will be managed. WealtheonAI generates personalized IPS documents with ESIGN Act and UETA-compliant electronic signature capability, so you have a clear, documented investment plan.

Can I track my progress over time?

Yes. Your dashboard provides real-time portfolio monitoring, performance tracking, and progress toward your financial goals. You also receive automated reports—including newsletters, yield curve analysis, and compliance summaries—delivered directly to your email on a schedule you choose.

Accounts & Integrations

Can I link my existing brokerage accounts?

Yes. WealtheonAI integrates directly with Charles Schwab through their official API. Once linked, we can pull your real-time positions, account balances, and enable automated trade management. Your money stays at Schwab—we simply connect to help you manage it more effectively.

Does WealtheonAI manage my money directly?

WealtheonAI is a planning and portfolio management platform. We provide optimized trade recommendations and can execute approved rebalancing trades through your connected Schwab account. Your assets remain at Schwab at all times—we never hold, move, or withdraw your funds.&nbsp;<div><br></div><div>You maintain full ownership and control of your accounts.</div>

Where is my money held?

Your money is held at your custodian—Charles Schwab. WealtheonAI is a software platform that connects to your brokerage to help you plan and manage your investments. We never custody, hold, or have the ability to transfer your funds. Schwab provides SIPC protection on your brokerage accounts.

Can I enter my portfolio manually?

Yes. You can enter your holdings manually, and our system will automatically fetch instrument data (current prices, asset class, sector information) for each position. You can also upload your portfolio in bulk using a CSV file for faster entry. All you need is ticker symbol, quantity and average cost of the purchase of the position. The last item is required to calculate unrealized capital gains on the position which is required for tax optimizing the implementation of the target portfolio.

How do I connect my Schwab account?

WealtheonAI uses Schwab's official OAuth 2.0 authentication to securely connect your account. You'll be redirected to Schwab's website to authorize access, and your credentials are never shared with us. Our platform also includes proactive token management to maintain a seamless connection with automatic background refresh.<br><br>You must also enable ThinkOrSwim on the Schwab platform to enable trading through the WealtheonAI platform. Note that trading Mutual Funds is not possible via the broker connection. The implementation plan might require you to enter those trades manually with your broker.

Security & Privacy

How is my data protected?

<ul><li><strong>Encrypted connections</strong> — All data is transmitted using HTTPS/TLS encryption</li><li><strong>Secure authentication</strong> — We support OAuth 2.0 single sign-on and encrypted password storage using bcrypt hashing</li><li><strong>Session management</strong> — Comprehensive session tracking with automatic expiry of inactive sessions after 30 minutes</li><li><strong>Database security</strong> — PostgreSQL with parameterized queries to prevent SQL injection</li><li><strong>API security</strong> — Schwab API tokens are managed with proactive refresh and comprehensive audit logging</li></ul>

Can WealtheonAI move money without my permission?

No. WealtheonAI cannot withdraw, transfer, or move your funds. Our integration with Schwab is designed to provide portfolio analysis, trade recommendations, and approved rebalancing actions only. You maintain full control of your accounts at all times.

Do you sell my data?

<b>We do not sell, share, or distribute your personal or financial data to third parties.</b>&nbsp;<div><br></div><div>Your information is used solely to provide you with personalized portfolio management and planning services within the WealtheonAI platform.</div>

Is my brokerage account insured?

Your brokerage account at Schwab is protected by SIPC (Securities Investor Protection Corporation) insurance, which covers up to $500,000 in securities. This protection is provided by your custodian (Schwab), not by the WealtheonAI software platform. Schwab may also carry additional excess insurance beyond SIPC limits.

Pricing

Can I upgrade or downgrade my subscription

Yes, you can upgrade or downgrade your subscription anytime. Immediately after upgrade or downgrading, you will have access to the features as per your new plan.<br><br>If you up- or downgrade mid-month, there are no pro-rated reimbursements for times not used under your old plan. Therefore it is generally advisable to to make plan changes shortly before the end of your subscription period.

How much does WealtheonAI cost?

<p>We offer four subscription tiers to fit your needs:</p><ul><li><strong>Basic — $19/month</strong> — Core portfolio planning tools, risk questionnaire, and basic reporting</li><li><strong>Advanced — $39/month</strong> — Full optimization suite, Monte Carlo simulations, and AI coaching</li><li><strong>Pro — $79/month</strong> — Everything in Advanced plus automated rebalancing, tax optimization, and advanced analytics</li><li><strong>Enterprise — Custom pricing</strong> — For advisory firms with multi-client management, RBAC, compliance tools, and white-labeling<br></li><li>PAYG <b>human financial advisor access</b> for a typical professional services rate</li></ul>

Are there any hidden fees?

No. Your subscription fee covers full access to your plan's features. WealtheonAI does not charge commissions on trades, does not take a percentage of assets under management, and does not receive compensation from product providers. Any brokerage transaction fees charged by Schwab are separate and standard to your brokerage account.

Can I cancel anytime?

Yes. You can cancel your subscription at any time from your account settings. There are no long-term contracts or cancellation penalties. Your account data remains accessible even after cancellation, though premium features will no longer be available. If you cancel mid-month, you will still have access to all subscribed functionality until the end of the subscription period.

How does WealtheonAI make money?

WealtheonAI generates revenue solely through subscription fees. We are a fee-only platform—we do not receive commissions, referral fees, or compensation from any investment product providers. This means our recommendations are free from conflicts of interest and aligned entirely with your best interests.

Do you offer a free trial?

New users can explore the platform and complete their risk assessment questionnaire before committing to a subscription. Contact us for information about trial periods and special offers for new subscribers.

Legal & Regulation

Is WealtheonAI a registered investment advisor?

Yes. Please also refer to our legal disclosures and regulatory information available on the platform. The regulatory status of financial platforms varies by jurisdiction and service model. We recommend reviewing our terms of service and any applicable regulatory filings for complete information about our registration and compliance status.

Is the information on WealtheonAI financial advice?

WealtheonAI provides educational tools, portfolio analysis, and investment planning resources. The platform is designed to help you make informed investment decisions using evidence-based methodologies.&nbsp;<div><br></div><div>The company aims and providing customized financial recommendations and advice to individual investors and therefore generally falls under the strict regulatory regimes governing such activities. WealtheonAI is fully compliant with respective regulations (see also regulatory disclosure page).</div>

How does WealtheonAI handle compliance?

Our platform includes built-in compliance features including automated compliance reporting, audit trails for all trade recommendations and executions, Investment Policy Statement generation with electronic signatures, and comprehensive session and activity logging. For advisory firms using our Enterprise tier, we provide additional compliance dashboards and client meeting documentation tools.

Support

Can I talk to a human advisor?

Yes. Our philosophy is that you should pay a fair price for services received. That is why for individual human advisor conversations you are able to pay as you go. We charge typical market rates for such professional services, but there are differences based on your subscription level. See out pricing page for further information.&nbsp;

How do I contact support?

You can reach our team through the Contact / Support page on our website, or through the in-app support features. We also provide an extensive Education Center and Blog section with articles, guides, and podcasts to help you get the most out of the platform.

Does WealtheonAI have educational resources?

<p>Yes. We provide a comprehensive learning experience:</p><ul><li><strong>Education Center</strong> — A library of articles and guides on investing, portfolio management, and financial planning</li><li><strong>AI Blog</strong> — Regularly updated content on market insights and investment strategies</li><li><strong>Podcasts</strong> — Audio content generated from our newsletters for on-the-go learning</li><li><strong>Customized AI Coach</strong> — Personalized, conversational guidance available anytime within the platform</li><li><strong>Yield Curve Analysis</strong> — Educational tool showing current and historical Treasury yield curves with AI interpretation</li><li><b>Portfolio Newsletters (Market color) </b>- This gives you a summary of key positions in your portfolio and key trends of the past 7 days.&nbsp;</li><li><b>Macroeconomic updates</b> - You can subscribe to regular macroeconomic updates, providing economic indicators, interpretations, and call to action and review your allocations, if needed</li><li><b>Compliance updates</b>&nbsp;- you will receive reports if your portfolio deviates from your self-defined guardrails and preferences, you will be recommended action items to achieve compliance</li><li><b>Podcasts</b> - Updates are available as podcast delivered to you via e-mail. This allows you to make best use of your time in your car on the way to work to receive relevant information about your portfolio</li></ul>

Can I leave WealtheonAI at any time?

Yes. You can cancel your subscription at any time with no penalties or lock-in periods. Your brokerage accounts and investments remain yours at your custodian (Schwab). WealtheonAI is a software service—leaving the platform does not affect your underlying investments in any way.