What is Allio?

Allio is an easy-to-use app that helps anyone save money and invest for the future—no financial expertise required. Whether you want help saving money for a short-term goal (like a vacation), or investing for the future, Allio has you covered. 

Allio’s mission is to provide financial wellness for all. With our enhanced automated investment portfolios (global macro portfolios built on full-scale optimization, if you want to get technical about it ), Allio is giving the 99% access to the investment strategies of the 1%, allowing anyone to start building wealth.

How does Allio work?

Our team has worked to create the most intuitive and user-friendly financial app on the market. Here’s how it works:

  1. Getting started. After downloading the app, you’ll be prompted to set up a client profile with your name and email address. (Note: we’ll send you a verification email to finalize your profile.)

  2. Portfolio options. Next, we’ll ask what you’d like to do with Allio. Are you interested in saving for a short-term goal, investing for the long-term, or would you like help with both? Based on your answer, we’ll ask you a series of questions to determine your identity (it’s a legal thing), and create the ideal portfolio based on your financial goals, investing time horizon, and risk tolerance.  

  3. Fund your account. Now you’ll have the chance to add money to your account. You can choose to save and invest with round-ups, one-time deposits, or recurring deposits. 

  4. Connect all of your financial accounts (optional). Once you set up your Allio account you'll have the ability to connect all of your financial accounts to create your own personal balance sheet and track your net worth. See more about Holistic Account View.

Is Allio safe?

You bet. You can feel confident saving and investing with Allio. 

Allio (as Allio Advisors LLC) is a registered investment advisor (RIA) with the U.S. Securities and Exchange Commission (SEC). As an RIA, Allio has a fiduciary duty, which means we are obligated to act in our client's best financial interest.

Brokerage accounts on Allio are powered by Alpaca Securities LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Alpaca Securities LLC also serves as a qualified custodian for advisory assets of clients of Allio Advisors LLC. For more information, see the Alpaca Securities LLC disclosures and the Alpaca Securities listing at FINRA's BrokerCheck.

 Keeping your money safe is our highest priority. We protect your account with:

  • State-of-the-art security measures designed to meet or exceed industry standards.

  • 256-bit data encryption

  • Multi-factor authentication

Allio uses Plaid, the leader in frictionless financial account linking, to verify your identity and connect your bank account securely through the Plaid OAuth protocols. We do not and never will store your online banking credentials. 

How do I save for a goal?

When you set up your Allio account, we’ll give you the option to save for a goal. You can save for a vacation, rainy day fund, gift, down payment, security deposit, or a custom goal.

You'll input the amount of the goal and then we'll ask if you want to take more risk to potentially achieve the goal faster. How you answer will determine the portfolio we put you in—with the lowest risk portfolios constructed with absolute minimal risk (think Tips, short-term treasuries, etc.).

We give you an estimation of when you can expect to achieve your goal based on proprietary data forecasting from our expert investment team.

When you achieve the goal, we'll give you the option of withdrawing the money or keeping it saved until you want to withdraw. If you withdraw, we'll ask which goal you want to save for next. 

How do I invest for the long term?

When you set up your Allio account, we’ll give you the option to invest for the long term. 

We'll ask when you'll need the money (less than a year, 1-5 years, 5-10 years, over 10 years). Then you'll get the standard questions about risk tolerance to determine the allowable level of volatility.

You'll also have the option to include our proprietary values-based baskets in your portfolio. Then we'll analyze your responses to determine the composition of your macro portfolio.

What is values-based investing?

At Allio, we believe you don’t have to sacrifice your values to maximize your financial returns, which is why we’ve created proprietary values-based investing baskets, so you can feel good about supporting causes you’re passionate about. 

When you set up your Allio account, you’ll have the option to align a small part of your portfolio with our values-based options. These include Clean Energy, Social Justice & Equity, Made in America, Cancer Research, Water Stewardship, and Animal Welfare.

Allio’s values-based investment options are constructed using a combination of AI and manual analysis to create custom indices that best reflect each value.  

How does the round-ups feature work?

Using Allio’s round-ups feature, you’ll have the opportunity to fund your account with just your spare change. 

Here’s how it works: when you’re choosing how you’d like to fund your portfolio, we’ll ask if you’d like to use round-ups. If you opt in, whenever you make a purchase with your linked account, Allio will automatically save your spare change to your Allio account. So, for example, if that burrito you bought at lunch was $6.50, you just added $0.50 to your Allio account. 

You can also choose to 2x or 3x your round-ups with our round-ups multiplier feature. So your $6.50 burrito could yield $1.00 or $1.50 saved to your account. 

Once the amount saved hits $5.00 we’ll invest it for you. 

Enabling round-ups is a fantastic way to enable small, passive savings to help you reach your financial goals.

How does tax optimization work?

Allio deploys advanced automatic tax harvesting tailored to your individual economic situation

Based on your personal financial situation, Allio can utilize tax-loss harvesting strategies designed to reduce your tax bill and help you keep more of your money. 

Tax-loss harvesting is a tax management strategy that involves selling a selection of losing investments each year to offset realized capital gains. Typically, the strategy also involves replacing those losing positions with similar investments so that the overall composition of your portfolio remains virtually the same. This allows you to enjoy a reduction in taxes without needing to sacrifice your overall investment strategy or target asset allocation.

Tax-loss harvesting doesn’t make sense for everyone, which is why Allio can also utilize tax-gain harvesting strategies. Tax-gain harvesting is a tax management strategy that involves selling assets in order to realize a capital gain. This will trigger capital gains taxes in the year in which the asset is sold. 

Tax-gain harvesting makes the most sense when you find yourself in a lower tax bracket than you expect you will be in in the future. This is why tax-gain harvesting can be a powerful tool for younger investors who are in the earlier stages of their career.

Learn more about tax harvesting strategies here >  

What is Holistic Account view?

With Allio, you can keep an eye on your net worth with Holistic Account view. Think of it as your own personal balance sheet in the palm of your hand. 

See all of your assets and liabilities in one spot by connecting your bank accounts to see cash on hand, any investment portfolios you may have, any credit cards, as well as loans. 

Can I select my own stocks or ETFs?

No, not at this time. Our portfolios are 100% automated — created for our clients by our expert team based on their financial goals, risk tolerance, and investment time horizon. See our Investment Process for more info. 

Can I invest in crypto?

You can opt-in to including crypto as a part of your investment portfolio. Crypto exposure is provided through ETFs, which invest in crypto futures. 

What alternative investments are available in Allio’s macro portfolios?

Allio’s macro portfolios are constructed using a combination of traditional asset classes (stocks and bonds), as well as alternative investments including real estate, emerging markets, crypto, and gold. 

Do I have to be an accredited investor to use Allio?

No. Both non-accredited investors and accredited investors can start investing with Allio or leverage the round-up feature for passive savings.

Which devices does Allio run on?

Currently, Allio runs on Apple iOS devices (i.e. iPhones) and the mobile application is available within the Apple App Store. We are launching Allio on Android (offered through Google Play) in our next release.

Who can sign up for an account?

Any U.S. Citizen over the age of 18 years of age can set up an Allio account.

What is the minimum investment to open an account?

Our clients can start investing with as little as $5. And, when you opt-in to Allio’s round-up feature, we’ll save your spare change and invest it for you once you hit $5.

How do I transfer or withdraw funds from Allio?

Here’s how to withdraw funds: 

  1. After you’ve signed into your account, tap the Transfer button and select ‘Withdraw’

  2. Select the portfolio (Core or Goal) you’d like to withdraw funds from

  3. Select the ‘Withdraw’ option 

  4. The FROM and TO fields will be pre-populated

  5. Enter the dollar amount you’d like to withdraw

  6. Tap 'Continue' to review your withdrawal

  7. If you’re satisfied with the details tap ‘Initiate Transfer’

  8. You will see the new pending withdrawal at the bottom of the Transfer page

There are a couple of things to keep in mind about withdrawals. 

Timing

It can take anywhere from 3-9 business days for withdrawals to transfer to your external account.

Non-cash withdrawal requests placed before 11am PT on a market day typically will be processed the same day. If your request was made after 11am PT on a market day, Allio will sell shares the following day that markets are open. 

Investments

If the markets are down, non-cash withdrawals will liquidate shares and lock in any losses.

Tax Implications

Non-cash withdrawal requests are sell orders. There are possible tax implications if you withdraw. You can find more information on www.irs.gov, or by consulting with a tax professional.

Need help?

If you have questions or need any help please reach out to support@alliofinance.com and our team will get back to you shortly.

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