Coming H2 2026
Digital Advisor
An online, automated investment management platform designed to provide investment advice and account management through a convenient digital experience.
Overview
The Digital Advisor is an online, automated investment management platform, sometimes referred to as a “robo-advisor.” It is designed to provide investment advice and account management through a web-based or mobile interface, with limited or no direct interaction with an investment adviser representative. The platform is provided through Altruist or other qualified custody platforms.
Clients using the Digital Advisor complete an electronic questionnaire designed to gather information about their financial situation, investment objectives, time horizon, and risk tolerance. Based on this information, the platform generates a recommended asset allocation and manages a portfolio of exchange-traded funds (ETFs) and/or other securities consistent with that allocation. Clients may update their responses at any time, which may result in adjustments to the recommended portfolio.
How It Works
A streamlined, technology-driven approach to investment management.
Complete a Questionnaire
Tell us about your financial situation, investment objectives, time horizon, and risk tolerance through a guided online questionnaire.
Get a Portfolio
Based on your responses, the platform generates a recommended asset allocation and builds a diversified portfolio of exchange-traded funds (ETFs).
Automatic Management
Your account is monitored on an ongoing basis. The platform automatically rebalances your portfolio as needed to maintain your target allocation.
Dashboard Access
Track your portfolio, view performance, and update your preferences anytime through a web-based or mobile interface.
Personal Advisor vs. Digital Advisor
Two ways to work with Rubric Advisors: choose the service that fits your needs.
Relationship Style
Personal Advisor
Ongoing, one-on-one relationship with a dedicated advisor; highly personalized planning
Digital Advisor
Primarily digital platform access with advisor support as needed
Financial Planning
Personal Advisor
Ongoing planning integrated with your portfolio: your goals, risk profile, cash flow, and tax picture. In-depth standalone financial plans (retirement, estate, business succession, insurance, education) are available through our separate hourly Financial Planning & Consulting service.
Digital Advisor
Streamlined planning focused on investments, savings goals, and risk profile
Investment Management
Personal Advisor
Custom portfolio design, tax-efficient strategies, ongoing monitoring and rebalancing
Digital Advisor
Model-based portfolios of ETFs, automated rebalancing, and a digital dashboard
Tax & Estate Coordination
Personal Advisor
Coordination with tax and estate professionals; advanced planning strategies
Digital Advisor
General tax-efficient investment approach, if needed
Client Meetings
Personal Advisor
Regularly scheduled meetings (quarterly/annual) and as needed
Digital Advisor
Primarily virtual, on-demand meetings
Ideal For
Personal Advisor
Clients seeking a holistic, ongoing relationship with personalized planning and advisory support
Digital Advisor
Clients comfortable with a digital-first experience who want professional oversight at a lower cost
Goal-setting and risk assessment are part of every advisory relationship. Detailed standalone financial plans and single-topic consultations are offered through our Financial Planning & Consulting service, billed at $250 per hour. See our Form ADV Part 2A & 2B for full details.
Important Considerations
The Digital Advisor provides a convenient, technology-driven way to access investment advice. It is important for clients to understand the following:
- The service relies on the accuracy and completeness of the information provided by the client.
- Investment advice is generated using algorithms and model portfolios; it may not incorporate all possible factors relevant to a client’s financial circumstances.
- Alternative investments such as hedge fund-of-funds, venture capital funds, secondary private company shares, private equity, and private credit are not offered as part of the Digital Advisor.
- Clients have access to Rubric Advisors’ representatives for questions, but the level of personal interaction will be more limited than with the Personal Advisor service.
Get Started
Interested in Getting Started Now?
The Digital Advisor is launching in H2 2026. In the meantime, our Personal Advisor service is available today, offering comprehensive, fiduciary wealth management tailored to your goals.
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