Both. FINIAT brings quantitative portfolio strategies and advisor technologies into a connected investment experience. The strategies provide the investment framework; technology supports portfolio construction, personalization, and client communication.

FINIAT serves financial advisors, RIAs, and other wealth-management firms looking to strengthen their investment process and client experience. Discuss your clients, objectives, and operating model with the team to evaluate the fit.

Intelligent Allocation® is a set of algorithms, not AI. An advisor defines an ETF universe and minimum and maximum exposure for each ETF. The algorithms then govern ongoing allocations within those parameters. Use a FINIAT strategy, modify one with FINIAT, or define an advisor-built ETF portfolio.

FINIAT primarily manages ETF portfolios. Intelligent Allocation® powers systematic portfolio management, and Amplifi brings security-level and broader portfolio insights into client conversations. Intelligent Indexing is an optional ETF-to-SMA offering for clients with additional customization needs. The advisor connects the relevant capabilities to the client’s plan.

The strategy combines underlying AllianzIM buffered ETF exposures with FINIAT’s allocation framework. A fund’s buffer and cap depend on its outcome period and other conditions; they do not establish a fixed portfolio-level loss limit.

FINIAT is available through Advyzon and Schwab Model Marketplace, with direct trading through Schwab. An Envestnet connection is in progress, and direct-trading connections with Fidelity, Interactive Brokers, and Pershing are planned but not yet available. Confirm strategy availability and account setup with FINIAT.

No. Investing involves risk, including loss of principal. Systematic allocation, diversification, and buffered ETF features do not guarantee an outcome. Review each strategy’s objectives, risks, costs, and applicable disclosures.

No. The algorithms react to market indicators within the selected ETF universe and exposure limits. The philosophy is long-biased: seek market participation, with flexibility to shift toward more conservative holdings as signals change. Downside management is an objective, not a guarantee; defensive positioning can miss upside or a recovery.

Yes. Advisors can define their own ETF universe and minimum and maximum exposure for each ETF, or work with FINIAT to modify a pre-built strategy. Intelligent Allocation® governs allocations within those parameters. This ETF portfolio customization is separate from Intelligent Indexing’s optional conversion to a customized SMA.

No. FINIAT primarily uses ETF portfolios. Intelligent Indexing is an additional, optional offering for clients who need a customized SMA, including HNW and UHNW clients with complex tax considerations, ESG or faith-based preferences, or concentrated employer equity.

An ETF or a portfolio of ETFs. FINIAT’s technology converts that starting investment framework into a customizable separately managed account, with personalization informed by tax considerations, values-based preferences, and existing concentrated holdings.

Amplifi provides AI-driven insights at both the individual security and broader portfolio levels. It helps explain holding movements and performance, higher-level trends, timing, rationale, implications, and the manager’s stated plan in language clients can understand, with advisor review before sharing.

Book a demo with Tom Piazzi to explore FINIAT’s portfolio management and advisor technology, and discuss how they could support your practice.