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.
- 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)
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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.
- 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]
Keeping this '100% private' with no backend is a quiet but powerful statement. Building a tool that intentionally forgets its users' secrets is a rare form of respect — it shifts the weight from the database to the individual's own agency. I've been building with the same philosophy: the most vital context should remain in the private sphere.
Thank you. Privacy and zero data retention are our core principles. Financial data is too sensitive to risk leakage or misuse, so we keep everything local. Best of luck with your venture, and I hope our users value the philosophy!
Question for the IH Community: When it comes to asset allocation, do you prefer the simplicity of a 3-fund portfolio, or do you find yourself drifting into "thematic" ETFs (Tech, AI, Crypto)?