SpendVest

Spendvest Corp provides online, automated portfolio management services to individual investors through a rules‑based robo‑advisory platform that primarily allocates to equities and ETFs. The firm operates as a solo independent adviser with discretionary authority over client accounts and reported no assets under management or clients as of the brochure date.

The platform’s algorithm maps a client’s spending activity to publicly traded companies and then applies onboarding inputs—financial situation, investment objectives, and risk tolerance—alongside modern portfolio theory and quantitative constraints to set diversification and concentration limits. Portfolios are managed on a long‑term, discretionary basis with allocations adjusted by the algorithm and trades typically batched and executed on a periodic schedule.

Compared with typical independent advisers, Spendvest does not rely on percentage‑of‑assets fees and instead charges a flat subscription collected via an in‑app payment method rather than debiting custodian accounts. The firm also requires clients to use a specified clearing broker, which enforces a minimum trade size and weekly batched executions, does not aggregate block trades across clients, and relies on custodian statements for client reporting.