Institutional ALM for individual investors
The way institutions invest, built for your family.
We use the same asset liability matching approach pensions and endowments use, organized by when you'll actually need your money. Every goal gets matched to an investment built for that time horizon.
- Comprehensive planning first. Your financial plan, goals and needs drive the portfolio, not the other way around.
- A flat fee. No percentage of your assets. Low cost, tax aware, and simple.
- Independent fiduciaries. We're a truly independent fiduciary financial advisory firm.
Defined Duration® Investing
Each goal gets its own time horizon
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0 to 3YEARS
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3 to 7YEARS
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7 to 15YEARS
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15+YEARS
You work directly with Cullen Roche and his team
Cullen founded Discipline Funds and built the Defined Duration® process. He's the author of Pragmatic Capitalism and Your Perfect Portfolio, manages the firm's portfolios, and has over 20+ years of experience in macroeconomics, investment management and financial planning.
- Author of two books
- Manager of the Defined Duration strategies
- SEC registered investment adviser
Who we work with
Households
Custom financial planning, asset liability matching, and investment management with direct access to our team. One flat fee.
Our services →Private wealth ($5M+)
Institutional style ALM, tax alpha harvesting, tax aware alternatives, and estate planning coordination.
Private wealth →Advisors and institutions
Use our planning based ALM process, custom software, and time weighted ETFs in your own practice.
For advisors →Our ETFs
Rules based, time weighted funds built to fill specific time horizons in a portfolio.
Explore the funds →