Hourglass Financial Planner BETA
Follow the three steps below to build an ALM-aligned portfolio using the HourglassFP tool suite.
The Defined Duration Tool Suite is for educational and informational purposes only and does not constitute investment advice.
If you’d like to see how we use the HourglassFP workflow with clients, contact us.
Contact Us
This is the basic version of HourglassFP. If you're a financial advisor who would like access to HourglassFP PRO please contact us.
Contact Us
HourglassFP BASIC Asset-Liability Matcher
Use this income statement tool to quantify near-term liabilities and organize them into time buckets (0–3, 3–7 years) to anchor the plan. This builds the foundation for our financial plan by quantifying our most predictable future expenses and liabilities.
Step 1 - Asset-Liability Matcher
HourglassFP BASIC Risk Assessment Profiler
Generate a quantified risk score using objective financial metrics to guide portfolio construction. This tool helps ensure we don't have asset-liability mismatches that can create uncertainty and behavioral risks.
Step 2 - Quantitative Risk Assessment Score
HourglassFP BASIC Portfolio Builder Tool
Combine your liability buckets and risk score to produce a Defined Duration, ALM-aligned asset allocation. This outputs a sophisticated, but lean portfolio customized to your financial plan and matched to customizable assets.
Step 3 - Portfolio Builder
What HourglassFP Can Do For You
0–3 yrs
T-Bills
Cash & reserves
3–7 yrs
Bonds
Safe growth
7–15 yrs
Multi-asset
Diversifiers & growth mix
15+ yrs
Stock
Growth and inflation protection
Your plan, perfectly timed.
We all think in time horizons across our financial lives. Good financial planning matches assets to specific goals to give people clarity about how much they'll have and when.
- HourglassFP systematically matches assets to goals.
- HourglassFP does your risk profiling for you.
- HourglassFP communicates the portfolio's purpose.
Holistic Planning
Keep the natural advisory workflow—unify the output.
Planning, budgeting, profiling, and allocation flow into one output you can explain and document. The visuals reinforce the story you already tell. The result:
- A differentiatiated, efficient and systematic process.
- Better client communication and understanding of asset goals.
- Better relationships and better business.
Ready to put HourglassFP to work?
Are you ready to create financial plans that connect the dots from investable assets to financial goals?