AI-composed portfolios
Every portfolio is composed by AI from global markets, asset classes, and macro signals. The intellectual work happens upstream; you receive the match.
Find my portfolio →
What we do
Four things that set Afinitiv apart.
Institutional-grade AI behind every portfolio. Registered advisor approval behind every release.
Registered advisor approval
Every portfolio composition is reviewed and approved by a registered investment advisor before it's offered to clients. AI does the breadth; humans give the sign-off.
See the method →Transparent fees
One simple percentage of assets under advisement. No commissions, no kickbacks, no hidden product fees. Brokerage costs pass through at custodian cost.
See accounts →Every account type
Individual, Traditional IRA, Roth IRA, SEP IRA — all four access the same matched portfolios. Open the one that fits your tax situation.
Compare accounts →
How it works
A simple path from questionnaire to your matched portfolio.
Answer a few questions. See your match. Open an account with our custodian. We monitor the portfolios from there.
01
Tell us about you
Risk tolerance, experience, and your circumstances. A few minutes of questions, no fluff.
02
See your match
We compare your responses against our portfolios — each AI-composed and advisor-approved — and surface the closest fit. Review it before you commit.
03
Open with our custodian
Review the advisor agreement and disclosures, then complete account opening with Interactive Brokers, who hold your assets.
04
Stay matched
Afinitiv monitors the portfolios continuously. Any update to a portfolio's composition is approved by a registered advisor before it's rolled out. You receive plain-English updates that explain the why.
SEC
Registered investment advisor since incorporation
24/7
AI-driven portfolio composition — continuous, not periodic
100%
Of portfolio compositions approved by a registered advisor before they reach client accounts
Account types
Four ways to access matched portfolios.
All four account types access the same set of AI-composed, advisor-approved portfolios.
For everyday
investing
investing
Individual account
An individually owned investment account. Add or withdraw any time. Best for putting savings to work over the long term without retirement-account rules.
Retirement
Pre-tax
Pre-tax
Traditional IRA
Tax-deferred. Contribute pre-tax dollars; pay tax on withdrawals in retirement. Annual cap: $7,000 ($8,000 at age 50+).
Retirement
Post-tax
Post-tax
Roth IRA
Contribute after-tax dollars; growth and qualified withdrawals are tax-free. Income limits apply. Same $7,000 / $8,000 caps.
For the
self-employed
self-employed
SEP IRA
Higher contribution ceiling — the lesser of $69,000 or 25% of net earnings — with pre-tax contributions.