Range Investment Management
Combining the sophistication of a traditional advisor with the automation of a modern robo to seamlessly coordinate your investments, planning, and taxes.
Range Investment Management puts a professional team in charge of investing your money, keeping it coordinated with the rest of your financial plan, and actively working to lower your tax bill.
Range does not take a percentage-of-assets fee like many advisors do, so more of your money stays invested and working for you.
Range's approach is designed to create value through:
Together, these can represent an illustrative potential annual benefit of 3.2% to 5.6% on after-tax returns.
Most advisors charge around 1% per year. On a $1 million portfolio, that is about $10,000 annually, and the cost rises as the portfolio grows.
Range does not charge on assets because growing wealth should not be penalized.
Third-party fees may apply and typically range from 0 to 22 bps.
Range does not manage one account in isolation. An investment plan can incorporate accounts held inside and outside of Range, including both partners' 401(k)s, HSAs, IRAs, and taxable brokerage accounts.
Investments are coordinated with tax planning, retirement modeling, equity compensation, and a household's unique goals and circumstances.
Range can execute customized portfolio transitions, initiate backdoor Roths, align capital gains budgets with tax projections, and rebalance for life events.
Range scans daily for tax-loss harvesting opportunities and uses direct indexing and hybrid portfolios where appropriate.
The investment team also considers strategic asset location, in-kind transfers, tax-aware charitable activity, and automated rebalancing that incorporates customized capital gains budgets.
Range uses evidence-based portfolios designed to optimize risk-adjusted returns across market cycles.
The goal is systematic investing, not emotional timing or short-term market chasing. Automated rebalancing and tax-loss harvesting respond to market moves in a disciplined way.
Range Advisory is an SEC-registered RIA and is legally bound to put members' best interests first.
Range collects no commissions, no hidden markups, and no product kickbacks.
A portfolio does not live in isolation. It sits alongside your taxes, cash flow, and goals.
Range starts with globally diversified portfolios designed to be resilient across market cycles, then tailors them to each household. From there, the team focuses on what can be controlled: fees, taxes, strategic asset location, and behavior.
Done well, those choices can compound into the return you keep.
Range treats the household, not the account, as the unit of investment.
Allocation, asset location, and trading are coordinated across both spouses and across the accounts Range manages and those it does not.
Range uses low-cost, globally diversified core portfolios designed to be resilient across market cycles.
These portfolios are tailored to each household's goals, constraints, tax situation, and liquidity needs.
Markets move on their own schedule. Fees, taxes, and behavior are areas we can manage.
Range focuses where consistent attention can have the most impact: lower fees, tax-aware asset location, tax-loss harvesting, and disciplined rebalancing.
For a high-tax-bracket investor, Range estimates an illustrative potential annual benefit of 3.2% to 5.6% from:
On a $1 million portfolio over 10 years at an 8% baseline return, this can translate to approximately $500,000 to $1.4 million in additional accumulated wealth through compounded fee savings, tax management, and behavioral coaching benefits.
These figures are illustrative and not guaranteed.
Robos optimize accounts they custody. AUM-fee RIAs optimize what they are paid on.
Range treats the entire household as one portfolio across taxable, retirement, equity compensation, and held-away accounts.
With no AUM fee, Range's advice on 401(k) rollovers, asset location, and consolidation is not biased by what Range gets paid on.
Range's economics are aligned with the member's.
RSU vests, Roth conversions, large purchases, and life events flow directly into portfolio decisions.
Robos cannot do this, and traditional RIAs often do it sporadically.
Range can execute backdoor Roth and account retitling work for members.
These actions are handled on members' behalf by the investment team.
Range supports daily, algorithmic tax-loss harvesting at the lot level.
Similar functionality can cost 25 to 75 bps at some other providers. Range passes through the custodian's institutional rate of 12 to 22 bps with no markup.
Range sets a realized gains budget each year, aligned with a member's tax plan.
Rebalancing trades can be paired with harvested losses to help stay within that budget.
Members have around-the-clock access to their portfolio through RAI.
Traditional RIAs often limit high-level strategy to quarterly check-ins, and robos generally offer no personalized context. RAI can provide immediate answers on rebalancing, exposures, and contributions whenever members need them.
Range can manage:
Range can also coordinate around:
Important Disclosures:
The information contained in this communication is for informational purposes only and may not be relied on as legal, tax, regulatory, or investment advice.
Range Advisory, LLC is an SEC-registered investment adviser. Registration with the SEC does not imply any level of skill or training. All investments involve risk, including the possible loss of principal.
All figures are for illustrative purposes only and are not guaranteed. Additional pricing information can be found at www.range.com. Range defines a high-tax-bracket investor as individuals making $250,000 or more.
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