Oxnard Robo Advisor constructs a globally diversified, low-cost ETF portfolio engineered to match your risk tolerance, investment horizon, and financial objectives — then rebalances, tax-loss harvests, and reinvests dividends automatically. All for just 0.25% annually with no account minimum.
Built on Modern Portfolio Theory and engineered with factor-based tilts, our robo advisor delivers institutional-quality portfolio construction — minus the expense ratios, performance fees, and account minimums charged by traditional wealth managers.
Answer a 5-minute questionnaire covering risk tolerance, time horizon, income stability, and goals. We generate an optimized asset allocation across 8–12 low-cost ETFs.
Drift-based rebalancing triggers when allocations move beyond 5% bands, using dividend flows, new contributions, and selective sells to minimize transaction costs and tax impact.
Daily scans across every ETF holding harvest realized losses to offset gains and up to CHF 3,000 of ordinary income per year — historically adding 1.2%–2.1% to after-tax annual returns.
Deploy the robo advisor inside Traditional, Roth, SEP IRAs, and taxable brokerage accounts — with asset location optimization to maximize after-tax wealth across the entire household.
From capital preservation to aggressive growth to income generation to ESG — select a portfolio profile that aligns precisely with your objectives, then let our algorithms handle the rest.
Our flagship investment strategy. Broad global diversification across U.S. total market, international developed, emerging markets, short- and intermediate-term Treasuries, TIPS, corporate investment-grade bonds, and short-term government securities. Seven risk profiles from Conservative through Aggressive Growth, calibrated to your exact timeline.
Our proprietary TLH+ algorithm scans every taxable portfolio daily across all ETF holdings, harvesting tax losses whenever assets decline meaningfully below their cost basis. Losses carry forward indefinitely and offset up to CHF 3,000 of ordinary income annually. Investors in the top marginal brackets typically see 1.2% to 2.1% higher after-tax returns per year.
Invest with purpose without sacrificing expected returns. Our ESG Impact Portfolio allocates to screened MSCI ESG Leaders indices, low-carbon transition leaders, and green bond ETFs — while maintaining the same global diversification, smart rebalancing, and tax-loss harvesting of our Core portfolio. Fossil fuels, tobacco, controversial weapons, and predatory lending are excluded.
Engineered specifically for retirees and near-retirees. Our Income portfolio employs a liability-driven investing approach with short- and intermediate-term bond laddering, high-dividend equities, preferred securities, and a dynamic withdrawal rule calibrated to your annual Required Minimum Distribution schedule and longevity risk.
A single, flat advisory fee of just 0.25% per year. No ticket charges. No trading commissions. No wire fees. No account minimums. No surprises on your quarterly statement.
| Feature |
Core Portfolios
Start
|
TLH+ Tax Optimization
Start
|
ESG Impact
Start
|
Income / Retirement
Start
|
|---|---|---|---|---|
| Advisory Fee | 0.25% / year of AUM | 0.25% / year (included) | 0.25% / year (no premium) | 0.25% / year |
| Minimum Account Size | CHF 0 — open with any amount | CHF 10,000 taxable for TLH+ | CHF 0 — open with any amount | CHF 25,000 recommended |
| Underlying ETF Expense Ratio | 0.05% – 0.09% weighted avg. | 0.06% – 0.10% weighted avg. | 0.08% – 0.14% ESG weighted avg. | 0.07% – 0.13% weighted avg. |
| Smart Rebalancing | ✓ Drift-based 5% thresholds | ✓ + cash-flow-aware logic | ✓ Drift-based 5% thresholds | ✓ + withdrawal sequencing |
| Tax-Loss Harvesting | Quarterly monitoring only | ✓ Daily — automated TLH+ | ✓ Daily — ESG-aware TLH | Daily — tax-deferred first |
| Dividend Reinvestment | ✓ Automatic | ✓ Smart — to underweights | ✓ Automatic | ✓ Optional pay-out mode |
| Human Advisor Access | Phone & chat support (no CFP®) | Phone & chat support (no CFP®) | Phone & chat support (no CFP®) | CFP® phone review annually |
| Financial Planning Tools | Goal-based savings calculator | Goal-based + tax planning | Goal-based + impact report | RMD + retirement income plan |
| SIPC Protection | ✓ Up to CHF 500,000 | ✓ Up to CHF 500,000 | ✓ Up to CHF 500,000 | ✓ Up to CHF 500,000 + excess |
| Best For | Beginners & long-term accumulators | High-income taxable investors | Values-aligned investors | Retirees & near-retirees |
Answer a short suitability questionnaire, verify identity electronically, fund by ACH, wire, or ACATS transfer, and we build your optimized ETF portfolio within one business day. Oxnard Wealth Advisors, LLC operates as a fiduciary SEC-registered investment adviser — your interests always come first.
Investment advisory services offered through Oxnard Wealth Advisors, LLC, an SEC-registered investment adviser and fiduciary. SIPC insurance up to CHF 500,000 (CHF 250,000 for cash). Excess SIPC through Lloyd's of London up to an aggregate CHF 37.5M. Diversification and asset allocation do not guarantee a profit or protect against loss. Past performance does not guarantee future results.