For financial advisors
One workspace for every client: their households and accounts, your firm's risk questionnaire, your own model portfolios, up to five portfolios analysed side by side and a tax-aware plan to move from what they own to what you recommend, presented in a branded proposal your client opens from a link. Retirement plans, alerts and an archive of everything you share sit beside them.
Free: 3 proposals and 1 model. Pro: unlimited proposals and models, your firm's branding on every report, and seeing when a client opens a link.
It is the document an advisor brings to a prospective client: what the client owns today, the portfolio the advisor recommends instead, and why the change suits their goals, measured on risk, costs, diversification, income and the tax cost of moving.
Yours. The workspace starts with an empty model library: you add your own models, import them from a CSV or blend them, and a proposal starts from one of them, from the client's current holdings or from scratch. Business Quant supplies the data and the calculations and never suggests what a client should own.
Each portfolio's score runs from 1 to 99 and comes from its volatility over the last three years. The client's score comes from your questionnaire: answers to risk tolerance and risk capacity questions are scored separately and the lower of the two sets the score, with a band of 10 points either side. You can set or override a score with a reason, and every change is kept in the client's risk history.
Yes. Every fund is replaced by its latest holdings from its SEC N-PORT filing, so a client who owns Apple directly and through three funds sees their full Apple exposure, and sector, region and overlap figures reflect what the funds actually hold.
Sales start in tax-deferred and tax-exempt accounts, where they cost no tax. In taxable accounts, lots at a loss are sold first; lots at a gain are sold lowest gain first until the budget you set (realised gains, tax, or how far the result may drift from your model) is used, and look-alike holdings you name can stand in for a model fund. The plan lists every trade with its reason, the short- and long-term gains and the tax, and can be spread over several years.
Yes. A shared proposal is a frozen copy of what you presented, opened from a private link without signing in; you see how often it was opened. A questionnaire link lets a client answer from home, and a lead link can sit on your own website and creates a prospect when someone completes it.
Yes. They include dividends and fund distributions on their ex-dates, adjusted for splits, at constant weights rebalanced daily and before fees. A holding without price history on a given day earns the benchmark's return that day, and each figure says how much of the portfolio had its own history.
No. Business Quant supplies data and calculations; the selections and recommendations are the advisor's. Past performance and simulations do not guarantee future results, and tax figures are estimates from the lots and rates you enter, not tax advice.