Sophisticated Wealth Management. Intelligently Connected.

Combining the sophistication of a traditional advisor with modern automation to seamlessly coordinate your investments, planning, and taxes.

SEC-registered fiduciary · Flat fee¹ · No commissions

Investment Philosophy

A disciplined approach seeking to grow wealth over the long term

Investments at Range don't live in a silo — they're managed alongside your taxes, cash flow, and goals.

A portfolio doesn't live in isolation. It sits alongside your taxes, cash flow, and goals. We start with globally diversified portfolios designed to be resilient across market cycles, and tailor them to your specific household. Then we focus on what we can control: fees, taxes, strategic asset location and behavior. Done well, those choices can compound into the return you keep.

Integrated portfolio management

We treat the household, not the account, as the unit of investment. Allocation, asset location, and trading are coordinated across both spouses and across the accounts we manage and those we don't.

Evidence-based investing

We utilize low-cost, globally diversified core portfolios designed to be resilient across market cycles. We tailor these portfolios to each household's specific goals, constraints, tax situation, and liquidity needs.

Compounding what we can control

Markets move on their own schedule. Fees, taxes, and behavior we can manage. We focus where consistent attention has the most impact: lower fees, tax-aware asset location, tax-loss harvesting, and disciplined rebalancing.

The Value Proposition

Six pillars that define how Range invests.

The sophistication of a traditional advisor with the automation of a modern platform — seamlessly coordinating your investments, planning, and taxes.

01

Zero AUM fee¹

Most advisors charge about 1% of everything you've invested with them, every single year. We don't.

In Practice

On a $1M portfolio, a 1% AUM fee is $10,000 a year — and it grows as your portfolio grows. Range doesn't charge on assets, because growing wealth shouldn't be penalized.

Third-party fees may apply and typically range from 0–22 bps.¹

02

Whole-household optimization

We don't manage one account in a vacuum. Your full financial picture is the unit we plan around.

In Practice

Both partners' 401(k)s, HSAs, IRAs, and taxable brokerage accounts are analyzed holistically to inform a single, coordinated strategy - seeking to minimize duplication, overlap, and gaps across your household.

03

Integrated with planning

Investing is connected to taxes, retirement, equity comp, and your household's actual goals.

In Practice

We execute customized portfolio transitions, initiate backdoor Roths, align capital gains budgets with tax projections, and rebalance for life events — coordinated by one team.

04

Tax-smart by default²

Smart tax decisions are baked into how we run the portfolio every day, not bolted on in December.

In Practice

Daily scanning for tax-loss harvesting opportunities, direct indexing, strategic asset location across account types, in-kind ACAT transfers, and automated rebalancing that incorporates customized capital gains budgets.

05

Built for volatility

Evidence-based portfolios designed to hold up across market cycles. No emotional timing.

In Practice

We invest for the long run. Portfolios are globally diversified across regions, sectors, and asset classes — with no short-term market chasing. Automated rebalancing and tax-loss harvesting respond systematically to market moves.

06

Proudly a fiduciary

Range Advisory is legally required to put your interests first.

In Practice

Range Advisory is registered with the SEC as an investment adviser. When we provide investment advisory services, we act as your fiduciary, legally and ethically bound to act in your best interest.

Our Edge

Our edge is what we can control.

Range creates differentiated value through the parts of investing that are controllable: taxes, fees, rebalancing discipline, transition planning, and avoiding avoidable mistakes.

Tax-loss harvesting²

− Selling investments that are down to capture a tax loss, then buying similar ones so the portfolio stays invested. We scan for opportunities daily, throughout the year — not just in December.

Why it matters: harvested losses can offset realized gains elsewhere in your financial life — and with direct indexing, harvesting happens at the individual-stock level, where opportunities appear even in up markets.

Strategic asset location

• Placing each asset type in the account where it's taxed most efficiently — allocating across taxable, tax-deferred, and tax-free accounts as one portfolio.

Why it matters: the same investments, located differently across your household's accounts, can produce meaningfully different after-tax outcomes over time.

Capital-gains-aware transitions

• Moving into your target portfolio on a tax plan, not an expedited timeline. We set an annual realized-gains budget aligned with your tax projection and pair rebalancing trades with harvested losses to stay inside it.

Why it matters: many firms move clients into a model quickly, with transition costs that are loosely enforced. We systematize the budget — with a specific dollar threshold.

Behavioral discipline

• No emotional timing. No short-term market chasing. Automated rebalancing and tax-loss harvesting respond systematically to market moves — and your advisory team is there when headlines get loud.

Why it matters: staying invested through cycles is one of the largest contributors to long-term outcomes — estimated at 1.0–2.0% annually in industry studies.³

Fee reduction¹

• No AUM fee. Low-cost, broad-market index ETFs at the core. Institutional direct indexing passed through at the custodian's rate with no markup.

Why it matters: fees compound just like returns — every basis point you don't pay stays invested and working for you.

Rebalancing discipline

• Automated rebalancing keeps your portfolio aligned to its target allocation — and incorporates your capital gains budget, so staying balanced doesn't create a surprise tax bill.

Why it matters: disciplined rebalancing systematically trims what's run up and adds to what's lagged — the opposite of what instinct usually says to do.

Planning integration

• RSU vests, Roth conversions, large purchases, and life events flow directly into portfolio decisions — because planning and investing live on one team.

Why it matters: when your planner runs a tax projection, the result becomes a portfolio instruction — not a PDF you're left to act on yourself.

24/7 AI-powered insights⁵

• Instant, around-the-clock access to your portfolio via RAI — immediate answers on rebalancing, exposures, and contributions whenever you need them, alongside your human advisory team.

Why it matters: no waiting for a quarterly check-in to understand what's happening in your accounts.

Quantifying the Benefits

Where the Value Comes From

These controllable levers are not abstract — they can translate into measurable after-tax dollars for members.

Potential Annual Benefit³

+2.3% to +5.6%

Where the value comes from

• No AUM fees
• 0.25% – 1.0%
• Lower-cost ETFs
• 0.10% – 0.36%
• Active tax-loss harvesting
• 0.88% – 1.88%
• Tax-aware asset location
• 0.05% – 0.30%
• Staying invested through cycles
• 1.0% – 2.0%

Disclosure: assumes a high-tax-bracket investor.⁴ Illustrative ranges, not guaranteed.

Portfolio Construction

How your portfolio gets built.

A disciplined, four-step process — from your whole household down to the personal details that make the portfolio yours.

1

Whole Picture

Household

• Partner 1
  • 401(k)
  • HSA
  • IRA
  • Taxable Brokerage
• Partner 2
  • 401(k)
  • HSA
  • IRA
  • Taxable Brokerage

↓

One Household Portfolio

2

Scope

Move what you want. We coordinate around everything else.

Some accounts we manage directly. Others we advise on and coordinate with. Together they make up one household portfolio.

Examples of accounts we manage

• Brokerage accounts
• Traditional and Roth IRAs
• Rollover IRAs
• Solo 401(k)s

Accounts we advise on and coordinate with

• Outside brokerage accounts
• Employer 401(k) plans
• Unvested RSUs and stock options
• 529 plans, HSAs, deferred comp and pensions

3

The Core

Range starts with a disciplined core portfolio designed to give every member a strong investment foundation — low-cost, globally diversified, and built from broad-market index ETFs. No stock picking. No market timing.

Pick a risk level
Illustrative

• 0/100
• 10/90
• 20/80
• 30/70
• 40/60
• 50/50
• 60/40
• 70/30
• 80/20
• 90/10
• 100/0

80/20
Equity /Fixed Income
Equities

• 80%
• US Large-Cap 35.2%
• US Mid-Cap 9.6%
• US Small-Cap 6.4%
• International Developed 20.8%
• Emerging Markets 8.0%

Fixed Income

• 20%
• US Treasuries 7.0%
• Municipal Bonds 5.0%
• Investment Grade Credit 5.0%
• International Bonds 3.0%

Built from low-cost, broad-market index ETFs. Illustrative blended expense ratio: ~0.04%

This allocation is provided for illustrative and educational purposes only. It is not a recommendation, not an actual client portfolio, and not a representation of past or expected performance. Actual portfolios are customized based on each household’s objectives, risk tolerance, constraints, tax situation, liquidity needs, account type, and other relevant facts, and may differ materially from the allocation shown.

Institutional direct indexing, no markup.² Daily, algorithmic tax-loss harvesting at the lot level. Range passes through the custodian's institutional rate of 0–22 bps with no markup.

4

Personalization

Every member starts with the disciplined core, then we customize it to your financial life — appreciated securities, employer stock, concentrated positions, capital gains budgets, and compliance restrictions. The core stays consistent; personalization is what bends it to fit.

• Appreciated securities
• Concentrated employer stock
• Custom tilts
• Capital gains budget
• Direct indexing sleeve
• Compliance restrictions

Illustrative example

A member with concentrated employer stock from RSU vests

The core stays disciplined. We can replace the standard large-cap exposure with a direct indexing sleeve that excludes the employer's stock to offset the concentration — reducing single-stock risk and unlocking tax-loss harvesting at the individual holding level, while the rest of the portfolio stays the same.²

Why Range, Specifically

What Range does that the rest of the category doesn't.

1

Household-level optimization

Automated platforms optimize accounts they custody. AUM-fee advisors optimize what they are paid on. Range treats the entire household as one portfolio across taxable, retirement, equity comp, and held-away accounts.

2

Structural fee alignment

With no AUM fee,¹ our advice on 401(k) rollovers, asset location, and consolidation is not biased by what we get paid on. Our economics line up with yours.

3

Planning and investments in one team

RSU vests, Roth conversions, large purchases, and life events flow directly into portfolio decisions — coordinated by one team, not handed off between firms.

4

Backdoor Roth and account retitling, executed for you

Done on members' behalf by the investment team — not a checklist you're left to complete on your own.

5

Institutional direct indexing, no markup²

Daily, algorithmic tax-loss harvesting at the lot level. Range passes through the custodian's institutional rate of 0–22 bps with no markup.

6

An annual capital gains budget, enforced through rebalancing

We set a realized gains budget each year, aligned with your tax plan, and pair rebalancing trades with harvested losses to stay inside it — systematically, not sporadically.

7

24/7 AI-powered insights⁵

Instant, around-the-clock access to your portfolio via RAI — immediate answers on rebalancing, exposures, and contributions whenever you need them, alongside your human advisory team.

In Summary

Five things to remember.

1. Start with a disciplined, diversified core portfolio.
2. Add edge through what we can control: fees, taxes, and behavior.
3. Treat the whole household as one portfolio.
4. Customize on top of the core — capital gains budgets, compliance restrictions, and your specific preferences.
5. Wealth management at Range means investments don't exist in a silo. They're integrated with taxes, retirement planning, estate planning, and your personal goals.