Robo Advisor Service: Affordable & Hassle-Free Automated Investing

Looking for a low-cost and easy-to-use automated investment service?

  • Our Robo adviser Service is just the thing.


What You Get

  • Cutting-edge automation
  • Unique, objective ETF research
  • Fixed annual fee & zero additional fees

How It Works

  • As a Robo adviser Service client, you will be invested in a broad range of investment strategies developed and managed by our team. Each strategy includes a portfolio of exchange-traded funds (ETFs) and cash allocation. 

Managed in Collaboration - Global Quant Model. Developed by an Independent Third-Party.

To work towards maximizing your Robo adviser returns and ensure the highest quality of service possible, we partner with ETF Global®.

ETF Global® is a leading third-party provider of data, research, proprietary risk analytics, educational offerings, investment decision support applications, and investment solutions for ETFs. They provide us with ETF research and rankings based on a thorough methodology that brings together:

  • Quantitative research
  • Qualitative evaluation
  • Fundamental analysis
  • Behavioral finance
  • Global sentiment
  • Risk management

Our in-house experts then use this insight to model and implement 11 ETF portfolios. A suitability process allows one to select from four taxable and non-taxable allocation models and three income risk model portfolios.

Note that ETF allocation will change automatically based upon the rankings and research provided by ETF Global®. Additionally, trading discretion may occur based on rebalance threshold rules, which can impact wash sale rules and result in taxable gains or capital losses. For more information, please see here.

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We hold your portfolio in a brokerage account under your name with Charles Schwab & Co., Inc. ("CS&Co"), a registered broker-dealer and member SIPC, who provides account custody, trading and support services as a registered broker-dealer.

To operate our automated investment service, we use the Institutional Intelligent Portfolios® Platform (IIP Platform) by Schwab Performance Technologies (SPT), a software provider specializing in solutions for independent investment advisers and an affiliate of CS&Co.

The IIP Platform provides cutting-edge trading and account management solutions for a hassle-free, automated investment process. It goes like this:

  • To start, you need to access our online Robo adviser Service and complete a questionnaire about your investment objectives and risk tolerance. 
  • We use your answers to select an appropriate investment strategy and ETF portfolio for your needs. You will receive our portfolio recommendation online through the platform.
  • Once you review our recommendation, you may accept it or opt for a slightly more or less conservative portfolio. 
  • We use all your information and feedback to make a final decision and select your portfolio.
  • To manage your portfolio on an ongoing basis, we use the IIP Platform’s automated investment engine, which supports automatic rebalancing and tax-loss harvesting (if you meet the eligibility criteria).

Note that we are independent of and not owned by, affiliated with, sponsored, or supervised by CS&Co., SPT, or their affiliates. We are your investment adviser and primary point of contact for the purposes of the automated investment Robo adviser Service. 

We are solely responsible for assessing whether the Robo adviser Service is appropriate for you, developing a suitable investment strategy, selecting a portfolio for your investment needs and goals, and managing that portfolio on an ongoing basis.

Institutional Intelligent Portfolios® is a technology and service platform provided by Schwab Performance Technologies (“SPT”) to provide our clients with an automated investment management service. Charles Schwab & Co., Inc. ("CS&Co"), a registered broker-dealer and member SIPC, provides custody, trading and support services.

Cost-Effective Investment Solutions

Our Robo adviser Service is a wrap-fee program – We sponsor this asset allocation advice program.

This means that as an automated investment portfolio owner, you will only pay a flat annual fee of 0.40% of your account balance. This fee is fixed and non-negotiable. There are no additional brokerage, custody, execution, or consultant fees.

Ready to Join Our Robo Adviser Service?

Getting started with us is easy – simply click the button below to open your brokerage account and enter our specific program key to get started.

Automated rebalancing for accounts funded with $5,000.

Open an account.

We’ve made it simple, independent, affordable, customizable, and welcoming.

Institutional Intelligent Portfolios™ (the Program) is available to our clients who open or maintain brokerage accounts at CS&Co, an affiliate of SPT. Through the Program, we provide you with a range of investment strategies. Each investment strategy consists of a diversified portfolio of exchange-traded funds, as well as an FDIC-insured cash allocation. Through the Program with SPT, we have access to SPT's technology platform and related trading and account management services. This platform enables us to make the Program available to you online and includes a system that automates certain key parts of our investment process, such as determining your investment objectives, risk tolerance, an appropriate investment strategy, and managing your portfolio through automated re-balancing. Hundreds of ETFs that meet certain criteria established by SPT are available to you.

ETF Allocation Model Program

NobleBridge WealthTM Management (NBWM) - powered by ETF Global® - developed a suite of portfolios that are available for you to invest in online or on your mobile device. Our ETF selections for these portfolios are powered by ETF Global®, a leading provider of data, research, investment decision support applications, proprietary risk analytics, educational offerings, and investment solutions for ETFs. Developed over many years, the ETF Global® dynamic, quantitative research models integrate Fundamental Analysis, Behavioral Finance, Global Sentiment, Qualitative Evaluation and Risk Management.

For those who enroll in the Program, within minutes you will receive a recommended portfolio based on a few questions that assess your investment goals and risk tolerance. We will review your portfolio based on our knowledge of your investment goals for the account and will continue to monitor it based on your needs. This service provides discretionary money management for a fee. Portfolio management services are provided by members of NBWM team.

There is no set minimum annual fee and only a $5,000 minimum account size to open or maintain an account in this Program. Clients also may request that NBWM use a tax-loss harvesting strategy so that tax losses are generated to offset potential capital gains in their account, subject to meeting minimum balance requirements (currently $50,000, which is subject to change).

NBWM has chosen to work with SPT, who will provide the technology and platform to help us complete trading, and at our direction, will use software to automatically trade and re-balance portfolios when they drift from the targeted asset allocation by a defined amount. Additionally, each quarter, ETF Global and NBWM will reanalyze each ETF portfolio, update their rankings, and will re-balance your account as needed to ensure it still meets your chosen risk tolerance.  

Portfolios are held in a brokerage account at CS&Co, an affiliate of SPT. 

To get started, visit the Institutional Intelligent Portfolios™ website or download the app. 

These materials have been independently produced by NobleBridge WealthTM Management (NBWM). NBWM is independent of, and has no affiliation with, Schwab Performance Technologies, Inc. SPT, Charles Schwab & Co.,Inc. (CS&Co), or any of their affiliates (together, Schwab). Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. Institutional Intelligent Portfolios® is an automated investment management service for independent advisers sponsored by SPT and available exclusively through independent investment advisery firms like NBWM. NBWM, not Schwab, is responsible for advising you on the Program, including recommending and selecting a portfolio appropriate for you and managing your portfolio on a discretionary basis. Your portfolio will be held in a brokerage account at CS&Co. “Institutional Intelligent Portfolios” is a trademark of Charles Schwab & Co., Inc.