Third Party Manager for Independent Financial Advisors

PlanRock provides investment model portfolios for independent financial advisors and their clients through the Charles Schwab Institutional Platform.

Business professionals working on investment strategy

PlanRock investment portfolios help provide a solution to reach a specific goal and objective, not just a one size fits all. PlanRock’s objective is to create an E3 environment (cost efficient, tax efficient and investment efficient) when it comes to investment management.

We strive to keep our investment cost low (average 0.26%) so the overall cost will be competitive and beneficial for the client. We focus on ETFs (Exchange Traded Funds – traditional and strategic beta) to reduce potential 1099 capital gain exposure due to internal turnover. And we help develop and produce value through a positive risk adjusted return for your clients. Please see our Investment Portfolio Management page for more information.

PlanRock provides the following investment model portfolios for only 0.35% management fee. This fee not only includes portfolio management, extensive research, and rebalancing; it also includes the PlanRock Comprehensive Financial Planning tools for you and your clients. See our PlanRock Comprehensive Planning Tools page for more information.

PlanRock offers over 30 professionally managed investment models. The investment models are as follows:

High Dividend – domestic, global, conservative through aggressive

Model Objective

  • 3% – 4% qualified dividend
  • Cash flow for clients near or in retirement
  • Growth of principal similar to the broad market over time
  • Lower volatility than the broad equity market.
  • Cap weighted and strategic beta (smart beta)

Low Volatility – domestic, global, conservative through aggressive

Model Objective

  • 25% to 40% lower volatility than the broad equity market
  • Growth of principal similar to the broad market over time
  • Cap weighted and strategic beta (smart beta)

Broad Market – domestic, global, conservative through aggressive

Model Objective

  • Meet or beat the broad equity market return short-term and long-term
  • Cap weighted and strategic beta (smart beta)

Broad Market Plus – domestic, global, conservative through aggressive

Model Objective

  • Meet the broad equity market return short-term and long-term
  • Beat broad market returns over the long-term (must include market declines)
  • Take advantage of market declines by increasing leverage at -10%, -20%, -30%, etc.
  • Cap weighted and strategic beta (smart beta)

Values Based (Faith Based) – domestic, global, conservative through aggressive

Model Objective

  • Include funds that do not buy companies that contribute to abortion, pornography, alcohol, gambling, etc.
  • Growth of principal similar to the broad market over time
  • Strategic beta (smart beta) and active management

ESG (Environmental, Social, Governance – known as socially responsible) – domestic, global, conservative through aggressive

Model Objective

  • Include funds that buy or do not buy companies with an emphasis on climate change, natural resources, pollution, social opportunities, human capital, corporate behavior, etc.
  • Growth of principal similar to the broad market over time
  • Strategic beta (smart beta)

Alternative

Model Objective

  • Growth of principal low to negative correlation to the broad market over time
  • Lower risk and return characteristics than the broad equity and bond market
  • Strategic beta (smart beta) and active management

Income – domestic, global

Model Objective

  • Interest rate sensitive awareness – Current short to intermediate term focus
  • Lower correlation and risk to the broad bond market with the use of alternative fixed income
  • Investment grade quality
  • Strategic beta (smart beta) and broad market

Please contact PlanRock at support@planrock.com or 800-677-6025 for more detailed information.