Portfolio models built on transparent methodology
Explore model portfolios constructed using defined assumptions, risk bands, and allocation logic—designed to illustrate portfolio structure, trade-offs, and outcomes under different market scenarios.
The advisory flow is designed for a clean, auditable path from inputs to portfolio proposals. Everything is algorithmic, repeatable, and documented.
- The client completes a structured questionnaire: goals, horizon, risk tolerance, liquidity needs, and constraints.
- The system converts those answers into a machine-readable profile and a risk band, with clear flags where inputs are inconsistent.
- An allocation engine proposes a portfolio across traditional and digital assets, aligned to the profile and available strategies.
- An AI layer generates a full narrative: why this mix, what the tradeoffs are, and how the portfolio behaves under different scenarios.
The result is not "black box" advice. It is a proposal with an explanation that can be reviewed, challenged, and adjusted by the client and by supervisory programs.
- Inputs, logic, and outputs can be logged for books & records.
- Advisors and firms can overlay their own policies, model menus, or constraints.
- Clients remain responsible for whether and how they implement any suggested strategy.
Cali Advisory is built for a world where portfolios span traditional and digital exposures. The advisory system is designed to support diversified allocations across:
- U.S. & global equities via funds and ETFs.
- Core and satellite index exposures.
- Investment-grade bonds and Treasuries.
- Cash and short-term instruments for liquidity.
- Listed real estate and REIT strategies.
- Select crypto assets with clear, documented theses.
- Exposure sizing tied to risk tolerance and capacity.
- Scenario-aware hedges and defensive tilts.
- Structures that keep digital risk segmented and visible.
- The ability to exclude categories entirely, based on firm or client policy.
Cali Advisory uses AI where it's strongest: turning data and models into explanations. The system can:
- Describe the role of each sleeve in a portfolio.
- Explain concentration, diversification, and key risk drivers.
- Compare candidate portfolios in plain language.
- Outline what could go right and what could go wrong.
Those narratives are not "advice on top of advice" – they're contextual descriptions of how the proposed portfolio behaves. Firms can reuse this language in:
- Client reports and review packages.
- Internal committee materials.
- Model documentation and oversight artifacts.
- Training content for advisors and analysts.
Portfolios don't stay aligned to their targets forever. The advisory engine is designed to monitor:
- Drift away from target weights beyond defined bands.
- Volatility spikes and stress in key exposures.
- Changes in client profile or constraints over time.
When conditions cross thresholds, the system can propose rebalances or adjustments in narrative form:
- "Your portfolio has drifted X% from target; rebalancing would restore your risk profile."
- "Given the updated goal/horizon, a more conservative allocation may be appropriate."
- "Here are the main tradeoffs if you keep the current allocation unchanged."
Exact pricing and implementation models will depend on how institutions integrate Cali Advisory – as a direct-to-client experience, as part of a supervised advisory program, or as infrastructure behind existing portals.
- Subscription-based planning and monitoring tiers.
- Per-account or per-household pricing for firms.
- Model menus tailored to firm-approved universes.
- APIs to embed allocation logic into existing portals.
- Co-branded or private-label experiences.
- Advisory logic separated from execution and custody stacks, so firms stay in control of implementation.
Cali Advisory (DBA) is being structured to operate as an Internet Investment Adviser under SEC Rule 203A-2(e). When registration is complete, advisory services will be delivered exclusively through an interactive, algorithmic system that provides portfolio proposals, risk assessments, and related explanations without the involvement of human adviser personnel.
- All individualized investment advice will be generated by software models, delivered online, and supported by audit-ready inputs and outputs.
- Cali Advisory personnel do not provide personalized investment advice, recommendations, or portfolio management outside the platform.
- Books and records, model documentation, and advisory logic will be maintained in accordance with the requirements for federally registered advisers.
Registration as an Internet Investment Adviser becomes effective upon acceptance of Cali Advisory (DBA)'s Form ADV by the U.S. Securities and Exchange Commission. Until that time, all investment-advice descriptions on this page are illustrative of the intended advisory model and do not constitute active investment-advisory services.
If Cali Advisory (DBA) offers advisory services to retail investors, the firm expects to prepare and deliver a Form CRS (Client Relationship Summary) in accordance with applicable SEC requirements. A finalized Form CRS, if required, will be made available alongside the firm's Form ADV and other disclosures.
Cali Advisory is being designed to operate as an Internet Investment Adviser (SEC Rule 203A-2(e)), where advice is delivered exclusively through an interactive system and is generated algorithmically rather than by human "client contact personnel."
- Advisory services, when offered, will be provided by Cali Advisory (DBA), a Registered Investment Adviser, once registration is effective and subject to the terms of its Form ADV and client agreements.
- Investing involves risk, including the possible loss of principal. No system can eliminate risk, predict markets, or guarantee outcomes.
- Any portfolios or strategies described are illustrations of how the engine can be used, not a recommendation for any specific person or institution.
- Cali does not provide tax, legal, or accounting advice. Clients should consult their own advisors on those topics.
- Where digital assets are involved, additional technological, regulatory, and liquidity risks may apply; those must be considered before any implementation.
For more details about the planned advisory program and how it will be documented, see Form ADV & disclosures (coming soon).
If you're exploring an Internet Investment Adviser model or want to understand how AI-driven portfolios could fit into a supervised advisory program, Cali can help design and implement the right approach.