Why I added Model Portfolios to my Financial Compass (and kept it 100% private)

In my last post, I shared how the Allocation Engine helps users figure out where their next dollar should go. The feedback was great, but it led to a predictable follow-up question: "Once the money is in my brokerage, what exactly do I buy?"

Most people don't want to become day traders; they just want a professional-grade starting point. Today, I am launching the Portfolio Architect on WealthLogic.io.

1. Moving from Triage to Architecture We have integrated a set of Model Portfolio Templates based on the industry-standard 3-fund strategy. Instead of complex stock picking, the tool asks for your age and risk tolerance, then generates a precise asset mix:

• Domestic Equity: (Total US Market)

• International Equity: (Total International)

• Bonds: (Total Bond Market)

• Shutterstock

2. The Logic: Heuristics over Hype We use a Waterfall Logic for these models. As a user moves from "Aggressive" to "Conservative," the tool automatically shifts the "ballast" from equities to bonds. It provides specific low-fee tickers (VTI, VXUS, BND) so a beginner can go from "I'm confused" to "I have a plan" in 60 seconds.

3. Privacy by Design (Still) The biggest challenge with portfolio tools is data security. Most platforms want to link your bank account. WealthLogic.io still has no backend database.

• All portfolio math is calculated locally in your browser.

• Your age and risk profiles never leave your device.

• You can download a full Professional Audit Report that includes your new asset mix to discuss with an advisor.

The Goal: To give every beginner a "Model Portfolio" that matches their life stage without charging them 1% in management fees.

[Link to WealthLogic.io]