SigFig provides a cloud-native platform that uses algorithmic risk profiling and tax-aware asset allocation to create and continuously rebalance diversified ETF portfolios for retail investors. The system automates tax‑loss harvesting, goal tracking, and compliance reporting, and offers a white‑label API and dashboard that enable banks, broker‑dealers, and fintechs to embed the same advisory functionality into their own services.
Funding
Funding not disclosed
Founders
Product
Problem
Individual investors often lack access to affordable, data-driven portfolio construction that accounts for personal risk tolerance, tax considerations, and long‑term financial goals. Meanwhile, financial institutions and fintech platforms struggle to embed intelligent advisory capabilities into their existing services without extensive development effort.
Solution
SigFig delivers a cloud‑native wealth management platform that combines algorithmic risk profiling, tax‑aware asset allocation, and continuous portfolio rebalancing. Users input their financial objectives and risk preferences, after which the system generates a diversified investment mix optimized for after‑tax returns. The platform automatically monitors account balances, executes tax‑loss harvesting, and adjusts holdings to maintain target allocations. For enterprise partners, SigFig offers a white‑label API and dashboard that integrate these intelligent advisory functions into brokerage, robo‑advisor, or banking applications, enabling firms to provide personalized advice at scale while remaining compliant with regulatory standards.
Target Audience
The primary users are retail investors seeking automated, tax‑optimized portfolio management, and financial institutions—including banks, broker‑dealers, and fintech platforms—that want to embed intelligent advisory capabilities into their product suites.
Features
- AI‑driven risk assessment questionnaire that maps user inputs to a calibrated risk score
- Tax‑efficient portfolio construction with automatic tax‑loss harvesting and capital‑gain optimization
- Real‑time automatic rebalancing across a broad set of ETFs and index funds to maintain target allocations
- Goal‑tracking module that visualizes progress toward milestones such as retirement, home purchase, or education funding
- Secure API and embeddable white‑label UI for enterprise partners to integrate advisory services into existing platforms
- Compliance engine that enforces fiduciary standards, KYC/AML checks, and audit trails for all transactions
- Data encryption in transit and at rest, with role‑based access controls and SOC 2 Type II certification
- Multi‑account aggregation that consolidates holdings from disparate brokerages for a unified view