The Problem

There’s a gap between financial planning and asset management. Plans and portfolios are not aligned.

*185 RIAs respondents at a GMO client webinar

Do you observe a gap between the Plan and the Portfolio?

Do you observe a gap between the Plan and the Portfolio?

Redefining Risk is the Key to
Linking the Portfolio to the Plan

Portfolio Construction is the Crucial Moment of Action

Why is this an important problem?

We need to move beyond focusing on the investment problem and focus on the investor problem.

Clients are complicated, markets are chaotic, and advisors are caught in between. 

Making matters worse, Modern Portfolio Theory - which defines risk as volatility - must be revised to the task.

Today, most assets are outsourced into cookie-cutter portfolios where risk is based on volatility and untethered from the financial plan. 

Consequently, advisors need more confidence that their clients are in the right portfolios.

The Solution

Build hyper-personalized portfolios based on minimizing the risk of “not having what you need, when you need it.”
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Redefine risk
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Build viable Battle Plans
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Construct hyper-personalized portfolios

Risk ≠ volatility.

Risk is not having what you need when you need it.

Framing risk this way bridges the gap between financial planning and asset management.

A viable Battle Plan appropriately balances the long-term and the short-term.

  • Client Profile addresses Required Return and traditional notions of “risk” (i.e., volatility). Required Return is based on Goals and cash flows, which can be imported from standard financial planning tools.
  • Custom Glide Paths are a device to assess long-term viability. They are not a prescription, as market conditions and client circumstances warrant periodic changes.
  • Next-gen Monte Carlo simulations account for crucial long-term differences between stocks and bonds and offer clients meaningful choices that illustrate long-term and short-term tradeoffs.

At its core, Nebo is a portfolio construction engine.

Nebo constructs portfolios - Asset Class and Factor allocations - that seek to minimize the risk that the client does not have what they need or want when they need or want it.

Nebo is fully open architecture:

  • Investment schema reflects your investment philosophy and implementation.
  • While we make available our market views, we do not impose them. You can use ours, your own, or third parties.

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Redefine risk


Build viable Battle Plans


Construct hyper-personalized portfolios
Better Decisions. Better Portfolios.
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Nebo deepens the understanding - of both advisor and client - and provides tools to implement this understanding.

This process reduces harmful emotions that get in the way of better decisions.

Nebo does this by framing two critical questions:

  • What does the client need, and when do they need it?
  • What do I - the advisor - need to believe to own this portfolio for this client?
  • What do I need to believe about the client?
  • What do I need to believe about the markets?

This framing naturally addresses key behavioral issues leaving advisor and client well-prepared with a viable Battle Plan for long-term success, a robust methodology for handling tactical issues, and well-prepared to weather the inevitable market storms emotionally.

Why Our Customers Love Nebo


Increase confidence

Simplify and clarify portfolio structure; reduce fear and anxiety; improve satisfaction

Improve efficiency

Eliminate spreadsheets; smoother client interactions, streamline investment operations


Scale your business; increase wallet share; close business faster

Differentiate your firm

Operationalize gaols-based investing; cutting edge approach to risk; alignment with your client

Reduce regulatory risk

Document the relationship between the plan and the portfolio

Build better portfolios

Nebo is a custom asset management platform that helps you build better portfolios. The key insight is to redefine risk – not as volatility – but as "not having what you need, when you need it."
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