The AssetLock^® Advantagekirby Mack2026-06-26T20:47:29+00:00

The AssetLock^® Advantage

AssetLock^® monitors the investor’s household portfolio value and AssetLock^® Value, and communicates key changes to both the investor and financial advisor. This approach helps the investor capture portfolio gains and reduce the potential for losses by keeping the portfolio strategy and investor’s risk tolerance aligned.

How AssetLock^® Works

This hypothetical example demonstrates using AssetLock^® on an initial portfolio valued at $100,000. The investor’s Value at Risk score determined a 10% AssetLock^® Threshold desired in the portfolio) making the starting AssetLock^® Value $90,000. If the portfolio experiences growth to a High-Water Value of $146,793, the AssetLock^® Value would then increase to $132,114. If the portfolio then experiences a 10% loss, reaching the AssetLock^® Value of $132,114, the financial advisor and investor will be notified to discuss the possibility of portfolio allocation adjustments.

Asset Lock

AssetLock^®️ is tracking software used to monitor the performance of a client’s household portfolio and predetermine the amount of downside the client is willing to tolerate. The AssetLock Threshold is the maximum percentage of the downside the investor is willing to accept inside the portfolio as determined by Simplicity’s proprietary risk scoring algorithm, which is based on a Risk Tolerance Questionnaire and Value at Risk (VaR) Analysis of the household and model portfolio(s). It is NOT an actual stop order and will NOT automatically sell the individual securities in the household portfolio.

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Six fundamental financial planning considerations include but are not limited to Longevity, Liquidity, Inflation, Market, Mortality, and Taxes.

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Capital Planning LLC. Capital Planning LLC is a separate and unaffiliated entity from Simplicity Wealth.

Our Services

Wealth Management

Seek to grow your assets in accordance with your risk tolerance and financial goals.

Retirement Strategy Planning

Seek to enhance your or your loved one’s potential retirement income through strategies designed for tax efficiency and capital utilization.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Tax-Efficient Planning

Explore tax planning strategies today for potentisl tax efficiency and financial flexibility later in retirement.

Tax-Advantaged Retirement Strategies

Help supplement your retirement income plan by exploring accumulation and potential tax-free distribution strategies.

Social Security Benefit Planning

Learn about the potential benefits you may be eligible and explore strategies designed to seek an increase in your Social Security income.

Income Planning

Work with us to design a strategy that seeks to provide potential income and strives for financial independence throughout your retirement years.

College Funding

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Addressing Inflation Concerns

Implement strategies designed to help lessen the overall risk to your assets from the effects of inflation.

Liquidity Needs Planning

Plan for potential access to your assets to help address life’s unexpected needs.

Schedule Your Time With Us

VaR

Value at Risk Analysis

Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

Value at Risk Analysis

Our Approach

Money is personal.
We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their future lifestyle goals and objectives.

During this process we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) Analysis.

Financial Planning Considerations

The six universal financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.

Longevity

Outliving financial assets as the result of a longer life.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

Value at Risk Analysis

Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

Value at Risk Analysis

02

Apply Discipline

Research and Due Diligence

Simplicity Wealth’s rigorous research process provides a comprehensive suite of reliable investment capabilities and model portfolios. We vet, select, and continuously monitor over 150 asset managers and 1,000 strategies, evaluating them for risk management, diversification, and performance consistency. This disciplined, fiduciary-driven approach is paired with our proprietary risk scoring model, which grounds our clients’ investment expectations in their personal comfort level with market volatility.

Our Investment Planning Process

Our investment planning process helps our clients set clear and achievable financial goals. It allows them to define their short-term and long-term objectives and provides direction in making prudent investment decisions based on universal financial planning considerations, risk tolerance, and time horizons. We strive to provide a planning process that is dynamic and flexible, allowing our clients to adapt their investment strategy as circumstances evolve.

1. Discover:

Gather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.

2. Analyze

Perform a comprehensive financial analysis of the information provided.

3. Plan

Create a custom strategy that aligns with the client’s provided goals and risk tolerance.

4. Implement

Execute the agreed-upon plan.

5. Monitor

Proactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.

Institutional Solutions

Direct Indexing and Tax-Loss Harvesting

Gaining greater control of an index with added tax benefits so that clients may keep more of what they earn.

Through Simplicity Wealth’s automated direct indexing and tax-loss harvesting capabilities, investors will have greater control and flexibility within their replicated index portfolios and will also benefit from offsetting capital gains tax through the strategic selling of securities at a loss.

Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting form a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services

Tax-Optimized Transition

Sophisticated transfer strategies for helping clients reduce or even eliminate tax-burdened legacy positions.

Simplicity Wealth’s tax-optimized transition solution works to help investors alleviate tax liabilities of transferring existing non-qualified funds over to their businesses through a transfer-in-kind, multi-year strategy.

Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting from a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services.

ESG and SRI Investment Options

Investment strategies for helping align clients’’ money with their values.

Simplicity Wealth’s Environmental, Social and Corporate Governance (ESG) and Socially Responsible Investing (SRI) overlay screens offer a comprehensive suite of resources that combine investment intelligence with social awareness – all integrated within the investment platform, helping investors align money with their values.

Stock screener provided by Sustainalytics, a Morningstar subsidiary.

03

Communicate Progress

Our Commitment to You

We strive to provide clarity regarding your income strategy through regular reporting, proactive outreach, and consistent availability of our team throughout our professional relationship.

We A.C.T. to communicate progress on your portfolio.

A

Accessible

Accessible

We understand the importance of being available to you when questions or concerns arise. We will return your phone call or email within 1-2 business days and if the issue is still not resolved, we will schedule a meeting with you at the earliest time possible.

C

Consistent

Consistent

Together we will determine your communication preferences and frequency so that we can be sure to communicate progress on your investments, schedule reviews, as well as provide you with critical market updates throughout the year.

T

Transparent

Transparent

You will have a secure login to your client portal that will allow you to view your entire financial landscape in one location on any online device. Through this portal you will be able to view your accounts and access financial tools, performance reports, balance sheets, key documents and more.