Investipal
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Portfolio construction

Build portfolios
for each client.

Build portfolios from financial goals, risk profiles, or your own allocations. Include public investments, alternatives, and insurance in a personalized recommendation.

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Trusted by leading advisory firms

Wellington Altus
Raymond James
Everspire
William Joseph
ProsperPlan
Woodgate
Personalized

Goals, risk, and household needs

Flexible

LDI, risk-aligned, or manual allocation

Connected

From allocation to client proposal

A clearer starting point

Client goals need more than a standard allocation.

Traditional allocation ignores the question that matters: "When will I need this money?"

Sequence of returns risk is real

Market drops in early retirement devastate portfolios. A retiree needing $80K next year with that money in equities faces a forced sale during a downturn. Traditional allocation doesn't protect against this.

Bucketing by hand doesn't scale

Mapping spending needs to time horizons, matching assets to liquidity requirements, rebalancing across buckets. That's hours per client in spreadsheets. That doesn't scale to 100 retirees.

Clients need to know how spending will be funded.

"Should I sell?" When near-term expenses are already in stable assets, the answer is simple: "The next 3 years are covered. Stay invested."

Three construction options

Choose your starting point.

Use liquidity-driven investing (LDI), risk-aligned construction, or manual allocation to put your investment approach into practice.

Goal-based construction

A purpose for each part.

Near termSpending needs
Medium termPlanned expenses
Long termFuture goals
Goals → Allocation
Goals-based · LDI

Fund client goals with liquidity-driven investing.

Connect the financial plan to the portfolio with liquidity-driven investing. Use goals, spending needs, and time horizons to organize liquidity buckets and fund the client’s future.

Risk profile
Understand the client.
Before the recommendation.
Portfolio58 / 100
Behavior46 / 100
Risk capacity65 / 100
Questionnaire completeReady for review ↗
Risk-aligned

Risk-aligned: start with the client’s risk profile.

Use the risk assessment and your firm’s scoring to guide construction. Build an allocation aligned with the client’s tolerance and capacity for risk.

Manual

Manual: set the allocation yourself.

Choose the holdings and weights directly. Build the portfolio around your investment approach and the needs of the household.

✳ AlphaPersonalized proposal
FROM THE MEETING

“We want to retire in five years and help our daughter buy her first home.”

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PERSONALIZED NARRATIVE

Two goals. One considered plan.

Your allocation connects nearer-term family support with your retirement horizon.

Client prioritiesPortfolio analysis
Across all three

Include alternatives and insurance.

Include public investments, alternatives, and insurance. Carry the chosen allocation and your reasoning into a personalized client proposal.

In good company

In our clients’ words.

Investipal has completely transformed how we approach client onboarding and portfolio management. The AI-powered tools save us countless hours while delivering better outcomes for our clients.
Pacific Portfolio Advisors
Investipal has been a game-changer for our firm. It really had become an efficiency multiplier for our assistants and back office. It's an indispensable tool for any advisory firm looking to thrive in today's competitive market.
William Joseph Capital Management

A few things to know.

What portfolio construction options does Investipal offer?

Investipal offers three construction options: goals-based liquidity-driven investing (LDI), risk-aligned construction, and manual allocation.

What is goals-based LDI construction?

Liquidity-driven investing (LDI) connects the portfolio to the client’s future spending and financial goals. It uses time horizons and liquidity buckets to organize how those needs are funded.

Can we choose holdings and weights ourselves?

Yes. Manual construction lets advisors choose holdings and allocation weights directly.

Can portfolios include alternatives and insurance?

Yes. Bring alternatives and insurance into the portfolio alongside public investments.