The GDX360 Difference

Generating Advisor Alpha

GDX360 can give RIAs and advisors a different way to generate alpha for clients

Are your advisors generating alpha for clients?

Clients choose an advisor for a variety of reasons. They stay because the advisor provides ongoing value with a personalized experience.

It’s not what clients earn (returns). It’s what they keep (after-tax wealth).

 

Research by Morningstar and Vanguard shows how advisors can add ongoing value (alpha). GDX360 offers your firm’s advisors the opportunity to use two pieces of low-hanging fruit that may help clients keep more of what they earn:

  1. Household-based portfolio management & asset location strategies focused on reducing trading costs and taxes
  2. Tax-efficient withdrawal strategies designed to minimize taxes
How your advisors can capture alpha for clients while scaling their advisory business

How your advisors can capture alpha for clients while scaling their advisory business

Here’s the challenge: finding ways to scale highly customized strategies used with each client’s situation.

Wouldn’t it be great if you could capture added value for your clients AND scale your business at the same time?

You can with GDX360.

Wealth Approach

Total Wealth Framework

Traditional Way
Asset allocation determined primarily by risk tolerance based on a static questionnaire. Often ignores other household assets and human capital.

Wealthcare Way
Asset allocation is a choice clients make based on resources, risk tolerance, goals and desired lifestyle. These resources may include household assets and human capital in the form of future savings resulting from earnings.

Dynamic Withdrawal

Traditional Way
Rule-of-Thumb-based “4% Initial Withdrawal Rate” that grows with inflation. No adjustments for changes in resources, markets or life events.

Wealthcare Way
Dynamic withdrawals are one of five levers clients can use to make the most of their life. Comfort Zone integrates your client’s withdrawal plans, retirement, legacy, savings, and investment plans. We adjust these levers as needed when market or life events move clients out of their Comfort Zone.

Asset Location/Withdrawal Sourcing

Traditional Way
Each client account has the same asset allocation target. This approach typically increases trading and tax costs from account level rebalancing.

Wealthcare Way
A client’s entire household has an asset allocation target. Assets are located in each account based on the tax treatment of each investment and the tax treatment of the accounts. This can improve tax efficiency and reduce rebalancing transactions.

Total Value Added (BPS): 144

Figures are from Morningstar's study* and not based on the GDX360 process.

Total Wealth Framework

38

Dynamic Withdrawal

54

Asset Location/Withdrawal Sourcing

52

*Blanchett, Kaplan. August 2013. “Alpha, Beta and Now…Gamma” Journal of Retirement.

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