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Daniel Satchkov

13 May 2015

The Main Weakness of Robo-Advisors and How You Can Capitalize

Wealthfront brought the Markowitz optimization algorithm to the masses and in many ways the company is a symbol of the democratization of risk management that’s now going on… Let’s use Wealthfront’s questionnaire as an example. I absolutely do not mean to pick on Wealthfront here; rather I am using them as an example as one of the leaders in the industry. Here are the questions that Wealthfront asks… Read the rest of the article in the Journal of Financial Planning Blog HERE

Daniel Satchkov

27 Feb 2015

Why Risk Management Isn’t Like Silly Car Shopping

This article by RiXtrema President appeared on ThinkAdvisor.com I like to use car shopping as an analogy to the investing process. Let’s imagine what it would it be like to buy a car with a view only to targeting our tolerance for risk and forgetting why we are tolerating risk. Car Shopper: “I am considering these two cars, can you explain to me the difference between them? Car Salesperson: “Sure thing. The one on the left will give you a whiplash when hit from behind and the airbag will break your nose. The one on the right will actually break a number of bones, including a collar bone and will...

Daniel Satchkov

24 Feb 2015

How ‘robo’ platforms for advisors should and should not be used

Michael Kitces, as is usual for him, asks some relevant and tough questions. You can read his recap of the T3 goings on HERE, but the key question that he raises is as follows: “Most advisors don’t have a high volume of prospective clientele coming to their websites, where their key problem is figuring out how to accept and onboard those clients in an efficient purely digital manner (with “robo” tools).” So, are ‘robo’ platforms for advisors like Advisor BioniX solving a problem that most firms simply do not have? We believe that Michael is right and advisors should not count on converting any (much less many) users directly from...

Daniel Satchkov

19 Feb 2015