Spreadsheet chaos
Modeling retirement income with liquidity bucketing takes hours in spreadsheets. Time better spent on planning conversations.
For financial planners
Build portfolios
around the plan.
Turn spending needs, time horizons, and risk profiles into personalized portfolios. Use liquidity-driven investing to connect each allocation to the client’s financial plan.
Book a demo ↗A purpose for each part.
Near termSpending needs
Medium termPlanned expenses
Long termFuture goals
Trusted by leading advisory firms
10min
Complete proposals
90%
Time saved on portfolio construction
15+
Hours saved per week
A clearer starting point
Portfolio work takes time away from planning.
Portfolio construction, compliance docs, and data entry take time from what planners do best.
Compliance paperwork
IPS documents, disclosures, and proposal creation take hours of manual work for every client.
Manual data entry
Held-away assets and PDF statements require re-keying. Planning can't start until all data is entered.
Inside the workflow
Turn financial goals into investment decisions.
Connect the plan to portfolio construction, client proposals, and ongoing reviews.
From statement to holdings.
Vanguard Total Stock Market✓
iShares Core S&P 500✓
Vanguard Total Bond Market✓
Step 01
Start with the household and the goals.
Bring the household’s holdings, spending needs, and priorities into the same conversation.
A purpose for each part.
Near termSpending needs
Medium termPlanned expenses
Long termFuture goals
Step 02
Build around when money is needed.
Use goals-based construction and liquidity bucketing to connect near-term spending and long-term growth with the portfolio.
Step 03
Consider risk and the broader allocation.
Use the client’s risk profile alongside public investments, alternatives, and insurance to shape the recommendation.
✳ AlphaPersonalized proposal
FROM THE MEETING
“We want to retire in five years and help our daughter buy her first home.”
↓
PERSONALIZED NARRATIVE
Two goals. One considered plan.
Your allocation connects nearer-term family support with your retirement horizon.
Step 04
Explain the plan in the client’s context.
Bring meeting notes and goals into a personalized proposal that connects the financial plan to the investment choices.
✳ InvestipalClient portal
MORGAN HOUSEHOLDYour relationship.
All in one place.
Portfolio performanceView report →
Your documentsView →
Client informationReview →
Upcoming conversationPortfolio review
PREPARING FOR YOUR MEETING
Your goals, portfolio, and recent conversations together.
Step 05
Manage onboarding and ongoing reviews.
Move into onboarding, the client portal, and billing. Prepare for the next review with the household’s context in place.
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.
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.
Keep planning at the center.
A portfolio workflow that follows your advice.
Goals-based portfolio construction
Turn spending needs and time horizons into the allocation.
A purpose for each part.
Near termSpending needs
Medium termPlanned expenses
Long termFuture goals
INVESTIPAL / YOUR CONNECTED PRACTICE01 / 03
Personalized client narratives
Connect the recommendation to what the client told you in the meeting.
✳ AlphaPersonalized proposal
FROM THE MEETING
“We want to retire in five years and help our daughter buy her first home.”
↓
PERSONALIZED NARRATIVE
Two goals. One considered plan.
Your allocation connects nearer-term family support with your retirement horizon.
INVESTIPAL / YOUR CONNECTED PRACTICE02 / 03
A connected client relationship
Bring the portal, meeting preparation, and billing alongside the plan.
✳ InvestipalClient portal
MORGAN HOUSEHOLDYour relationship.
All in one place.
Portfolio performanceView report →
Your documentsView →
Client informationReview →
Upcoming conversationPortfolio review
PREPARING FOR YOUR MEETING
Your goals, portfolio, and recent conversations together.
INVESTIPAL / YOUR CONNECTED PRACTICE03 / 03
A few things to know.
How does goal-based portfolio construction work?
Input spending needs by year throughout retirement. The AI automatically organizes assets into time-horizon buckets: stable assets for near-term spending (0-3 years), balanced strategies for medium-term (3-10 years), and growth assets for long-term. Advisors can customize or accept as-is.
Can advisors override the AI's recommendations?
Yes, absolutely. Advisors have full control to adjust allocations, change securities, or modify the strategy. The liquidity bucketing tool models scenarios based on advisor inputs, and the advisor makes all final decisions.
How does statement scanning work?
Upload a PDF brokerage statement, and Investipal AI extracts every holding, allocation, and cost basis in about 30 seconds. No manual data entry required. Works with Schwab, Fidelity, Vanguard, and 100+ custodians.
What compliance documents does Investipal generate?
Investipal generates IPS (Investment Policy Statements) from the risk assessment and portfolio analysis. Documents are pre-filled with client data, portfolio details, and disclosures. Review, customize if needed, and send to clients. They tap accept and signatures are captured automatically.
Does Investipal integrate with major CRMs and custodians?
Yes. Investipal integrates with major custodians (Schwab, Fidelity, Pershing, etc.) and CRMs (Salesforce, Redtail, Wealthbox). The statement scanner works with any custodian. Just upload the PDF.
Goal-Based Portfolio Construction ↗
Match spending needs to time horizons for retirement income and planning conversations.
Alpha ↗
Keep proposal, planning, and operational follow-up work moving inside the same platform.
Billing & Payments ↗
Connect planning work to fee schedules, ACH or card collection, billing history, and admin reporting without another tool.