Adaptive ETF portfolios that
Four portfolio models shift between offense and defense based on systematic signals — backed by over 18 years of validated performance across every market cycle.
Take control of your portfolio with two independent approaches. Our Macro School reads the economy through bond and credit markets. Our Momentum School follows price trends. Both adapt to protect your wealth through all market conditions.
"I'm building wealth. Beat the S&P 500 over full cycles while cutting drawdowns in half."
"I'm protecting wealth. Maximum capital protection — positive in 2008 and 2022."
"Best risk-adjusted returns. Rotates across 9 sectors plus gold, bonds, and Treasuries."
"Employer plan optimized. Lost just 1.7% in 2008 while the S&P 500 lost 36.8%."
Free weekly briefing
One regime score, one insight, one minute. No spam, no sales pitch.
When the Macro School and Momentum School disagree, that's not a flaw — it's a feature. You see more of the market than any single model can show you.
Explore the Two SchoolsThe traditional 60/40 portfolio failed in 2022. Bonds and stocks fell together. Here's what we do differently.
Most investors rely on static allocations that ignore changing market conditions.
The 60/40 portfolio lost ~20% in 2022 when bonds and stocks fell simultaneously.
Emotional decisions and behavioral biases lead to poor timing and permanent losses.
Our regime signal reads credit stress and yield curves to shift defensive before downturns hit.
Our momentum engine evaluates each sector independently and rotates into whatever is rising.
Disciplined, quantitative strategies that eliminate emotional decisions — rebalancing 6-10 times per year.
Every parameter traces to a published academic paper. This isn't curve-fitting — it's research.
Explore the Academic ResearchWhether you're managing your own 401(k), building wealth through an IRA, or protecting a taxable portfolio, our portfolios adapt to changing markets so you're never stuck with a static allocation that failed you in the last downturn.
Three steps. Fifteen minutes per month. That's it.
Bond markets, credit stress, price trends — the system monitors them daily and computes a composite regime score.
Monthly allocations for each portfolio, delivered by email and dashboard. Exact ETF percentages, plain English reasoning.
Log into your brokerage, match the percentages. Done. No charts to read, no decisions to agonize over.
Reduce risk. Protect gains. Stay on track.
Start Your Free TrialOur regime signal weights credit stress as its dominant input — because decades of research show corporate credit markets lead equity declines by weeks to months. Our momentum engine uses per-fund trend filters with cross-sectional ranking, grounded in Faber (2006), Moskowitz/Ooi/Pedersen (2011), and Marshall (2017). No black boxes. No proprietary hand-waving. Published research you can read yourself.
All four strategies validated out-of-sample. Four for four — every OOS Sharpe ratio exceeded its development period.