Investment Management That Adapts As Markets Change
Create confidence in your investments, don't just hope for the best.
Most investment strategies stay the same even when your life (and the markets) are always changing.
Traditional investing is like old cruise control that maintains the same speed regardless of what happens around you.
Our Hybrid Risk-Aware Process is like adaptive cruise control – slowing down when traffic gets worse and re-accelerating once the road clears.
This isn't just about growing your money. It's about giving you the confidence to invest for a lifetime and spend it in retirement without fear.
When paired with our Retirement Income Guardrails, you get a cohesive strategy that helps you enjoy more of what you've worked so hard to build - a retirement road trip with smoother roads and better views.
The Hybrid Risk-Aware Process
Preparation, Not Prediction
When markets get rough, you shouldn’t have to wonder if your investments can handle what’s coming next. We use a rules-based approach that guides how your investments react when tough markets arise.
This isn't market timing or trying to call tops and bottoms. Instead, it's reacting to what markets do with a clear, methodical response plan. No more guessing. No more scrambling after scary headlines.
Custom Underwriting
Your portfolio is designed to face the world of tomorrow, not just what worked best in the past. While most investment strategies are optimized for historical performance, we build portfolios that adjust to whatever the coming decades might bring. This forward-thinking approach is grounded in decades of academic research on adaptive asset allocation and momentum strategies.
Multiple Ways to Win
Your portfolio doesn't rely on just one approach to grow or preserve your money. While most investors understand asset class diversification, we take that a step further and diversify by strategy itself. Through “deep diversification” – not just across different investments but also across different strategies - you can win with good offense and good defense.
Don't Play Favorites
After decades of US economic dominance and falling interest rates, many investors focus only on US markets. We build portfolios that can access opportunities in international markets, commodities, real estate and gold when economic conditions shift.
This flexibility means you're not locked into yesterday's winners when tomorrow's opportunities emerge elsewhere.
Investment Management Designed for Retirement Income
Think of your retirement like a really long road trip. You need two things to get to your destination safely and comfortably: a reliable GPS system and modern safety features.
Your Retirement Income Guardrails act like a GPS - providing clear directions for how much you can spend and automatically rerouting with the end destination in mind. But even the best GPS can't help if someone slams on their brakes in front of you.
That's where our Hybrid Risk-Aware investment approach comes in. It's similar to the safety features of your car.
Older cars have basic protections - seatbelts and airbags – designed to lessen the impact of a crash that's already happened. In contrast, modern vehicles actively aim to prevent accidents from happening in the first place.
The Hybrid Risk-Aware process is built to constantly monitor the environment around your portfolio, ready to adjust before major problems occur.
When these two systems work together, you get a cohesive retirement strategy: clear guidance on what you can spend (Guardrails) powered by investments designed to protect that income (HRA).
The result? You can focus on enjoying your road trip instead of worrying about every traffic jam or bump in the road.
Ready to see how Guardrails and Hybrid Risk-Aware investing work together?
This approach is designed for people who ask themselves...
How do I know if my investment strategy actually fits retirement?
You've been investing the same way for decades, building wealth through regular contributions to your 401(k) plan and steady growth.
But now the game has changed. You're no longer "buying and holding", you're "selling and spending". You want a portfolio designed specifically for the realities of retirement, not just a continuation of what worked during your earning years.
What happens if markets crash around retirement?
You've spent decades building your retirement savings, and now you're finally ready to start using them. But there's one scenario that weighs on your mind:
What if the market crashes around retirement?
You know that major losses during this critical window could force you to delay retirement or potentially return to work, even though you've done everything right. You need an investment strategy that integrates with your retirement income plan, so you can retire when you're ready rather than wait for the perfect market.
Why does my advisor tell me to 'stay the course' when I'm genuinely worried?
You've expressed concerns about market volatility to your advisor, and their response is some variation of "stay the course" or "the market always comes back." While this advice isn't wrong, it doesn't address your actual concerns or give you the assurance you need during uncertain times.
You understand the logic, but you're human - your comfort level changes when markets get choppy. You want an advisor who acknowledges this reality and has an investment approach that reflects changing conditions, rather than hoping you'll have the discipline to stick with a rigid plan when things get scary.
Why can't my portfolio adapt like everything else in my life?
We live in a world where your phone software updates automatically, your car shifts gears as you accelerate, even your thermostat learns your preferences.
Yet your investment portfolio stays the same regardless of what's happening around you.
You can't help but wonder why something as important as your financial future relies on a static approach when everything else has evolved to be smarter and more responsive. You want investments that reflect the changing world you live in, just like everything else you depend on.
Are my investments prepared for an increasingly uncertain world?
Market history shows that investments eventually recovered from past crises, but those charts don't capture how it actually felt to live through uncertain times. You want an investment approach that acknowledges you'll face challenging periods ahead and gives you confidence during those moments, rather than just expecting you to rely on historical statistics when your financial future feels at risk.
Our approach
Discovery & Planning
We begin by understanding your investment objectives, timeline, and priorities. Whether you're planning for retirement, managing existing wealth, or working toward specific financial goals, we develop a clear picture of what you want your investments to accomplish and align our approach with your personal situation.
Portfolio Construction
We build your portfolio using the Hybrid Risk-Aware framework, combining passive investments with trend-following components to create “deep diversification”. This approach gives you multiple ways to succeed regardless of what type of economic environment unfolds.
Monitoring & Adjustment
Your portfolio trades monthly based on market movements and established trends. Our systematic process follows pre-established rules rather than emotional reactions when market conditions warrant changes. You'll always understand exactly how and why your investments are changing.
Communication & Review
Every month, you receive an email update explaining recent market performance, any changes to your portfolio, and how our investment process is working. You can schedule virtual meetings whenever you want to discuss your account or have questions - we respect your time and only meet when you find it valuable.
Why choose us for investment management? Because you and your advisor should be in alignment.
I didn't build this investment approach to "sell" to clients. The reality is, I built it for my own investment needs first. After a decade in the business and earning advanced credentials, I wasn't satisfied with the static approaches that require (or hope) you'll stick to them when times get tough.
Whether you're 25 or 85, losses hurt. I feel that pain too. Which means that reducing the impact of large, sustained drawdowns matters to all of us. That's why I developed this approach.
I wanted the confidence that comes from a process designed to help me live the best life possible - not just chase some benchmark that doesn't pay my bills or fund my retirement.
What does this mean for you?
As your advisor, my personal investments follow the exact same rules and strategies as yours. When your portfolio trades, my portfolio trades. Same signals. Same process. Same platform.
In short, my financial future depends on this process working. Not just for my business, but for my personal wealth too.
This isn't a product I'm selling. This is the investment philosophy I've chosen to run my own money because I believe it offers the best combination of growth potential and risk management that I've found.
When you work with us, you never have to wonder if I truly believe in what I'm recommending. My financial security is directly in alignment with yours. We're in this together.
Disclaimer: this alignment reflects our internal investment philosophy, but should not be interpreted as a performance guarantee or assurance of suitability for all investors.
Frequently Asked Questions
What does this actually cost?
Our investment management is based on an annual asset management fee that decreases as your account size grows:
$1 - $250,000 (0.75%)
$250,001 - $500,000 (0.70%)
$500,001 - $750,000 (0.65%)
$750,001 - $1,000,000 (0.60%)
$1,000,001 - $2,000,000 (0.55%)
$2,000,000+ (0.50%)
This fee covers ongoing portfolio management, monthly trading based on market conditions, and for clients taking retirement distributions, integrated monitoring through our Guardrails system.
The fee is automatically deducted from your investment accounts monthly in arrears based on your average account balance. Additionally, there are underlying investment expenses (typically 0.20% or less annually) for the index-based building blocks we use in your portfolio.
How much money do I need to work with you? Are there any minimums?
We don't have any investment minimums. One of our guiding principles is making financial advice more affordable and accessible to everyone.
That said, we do our best work for people with >$500k in total household retirement assets.
Otherwise, we love to work with happy, motivated people who value having professional support while they focus on the experiences and people that matter most to them.
Do your retirement planning and investment services work together?
Yes, they're designed as an integrated system. Your Retirement Income Guardrails determine sustainable spending levels, while our Hybrid Risk-Aware investments help protect and grow the assets funding those withdrawals. You can start with either service, but they're most powerful when working together.
What makes this different from robo-advisors or target-date funds?
The biggest difference is adaptive vs. static approaches.
Robo-advisors typically build an allocation based on a risk tolerance questionnaire and leave it unchanged. Target-date funds follow a predetermined path using only one data point - your age.
Our approach is built to respond to changing market conditions in real-time using multiple factors: your financial resources, retirement timeline, and current market trends. As market conditions shift, your portfolio allocation changes accordingly rather than staying locked into a static allocation or predetermined glide path.
Additionally, we integrate investment management with retirement distribution monitoring. You're not just accumulating assets - you're building a system designed to support your retirement paycheck.
Where is my money held?
Your investments are held at Altruist Financial LLC, a FINRA-regulated broker-dealer and SIPC member. Your accounts receive the same regulatory protections as any major custodian.
You'll have full access to your accounts through Altruist's client portal and mobile app.
What makes Altruist unique is their integrated platform designed specifically for RIAs like us, which means we can spend more time working directly for you rather than on administrative tasks. Learn more here: https://altruist.com/client-hub/
Altruist provides independent custodial services. Christensen Group Financial does not guarantee custodial protections and is not responsible for Altruist’s policies or procedures.
What happens to my existing 401(k) and retirement accounts if I work with you?
To provide our integrated retirement income and investment monitoring, accounts need to be with our custodian, Altruist. We'll help evaluate whether consolidation makes sense for your situation compared to what you’re doing now. Many clients find it simplifies their financial life, but we also respect that you might prefer to keep some accounts separate.
What if this approach underperforms index funds for several years - when would we make a change?
This question touches on something fundamental about how we think about investment success. Our goal isn’t to beat the market – it’s to help you reach your destination with less stress along the way.
We believe that money is a tool to help you make the most of your life. Your life shouldn’t be a tool to make the most money.
If beating an index is your primary concern, we're probably not a good fit for you.
If you want an investment approach designed to give you clarity and peace of mind so you can focus on what matters most to you, then we should talk.
What if I want to stop working together?
You can end our services at any time with no termination fees or lengthy notice periods. We believe you should feel empowered to make decisions that are best for your money. All we ask is that you send your request in writing, and we'd appreciate a brief conversation—not to convince you to stay, but to learn how we can better serve people in the future.
Start Your Investment Strategy Review
SCHEDULE A CONVERSATIONAll investments involve risk, including the potential loss of principal. Our investment strategy is designed to manage risk but cannot eliminate it or guarantee success. Past performance is not a guarantee of future results. Please consult your financial advisor to determine if this approach is appropriate for your specific circumstances.
Our strategy is structured to adjust based on market trends and rules-based signals. However, like any investment approach, it involves assumptions and may underperform static or index-based strategies during certain periods.
Investment advisory services provided through Christensen Group Financial, LLC, a registered investment adviser with the SEC and a wholly owned subsidiary of Christensen Group Inc. For more information about our services and regulatory filings, please see our Form ADV Part 2A
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