Our Story
Built by Retirement Investors, For Retirement Investors
We are retirement-plan veterans and quantitative researchers who got tired of watching colleagues not manage their retirement accounts during uptrends and downtrends. We developed an easy to use system to mange your 401k.
What We Stand For
Rigorous Research
Every signal in our model is backed by peer-reviewed academic literature and decades of live-market validation.
Full Transparency
We publish our methodology openly. You should understand the rules driving your allocation — not just follow them blindly.
Easy to use and affordable
We charge a flat annual fee. We have no financial incentive to recommend any particular fund or product.
Our story
We developed our 401k tool because we are 401k investors just like you. And for years we watched as we stood by helplessly when our accounts lost lots of value, or stayed too cautious when markets rebounded, ignoring gains. Over the years we developed a model with hundreds of hours of research behind it to take away the emotion and come up with a clean, easy to use system. We subscribed to professional services that cost a lot more money to compare performance, and after many months of testing (and back testing) we came up with a model with equivalent performance at a fraction of the price. With a little regular tending, your 401k "garden" should flourish for the long term.