Can I customize my robo-advisor's investment strategy?

Personalized investing starts with clear investment preferences. Your robo-advisor lets you define target allocations, sector exclusions, and ethical screens. The knowledge base holds your plan’s rules and definitions, so when you ask the AI to explain an option, the answer comes directly from your own documentation, not the open web.

Goal-based investing means your risk profile should change as your life does. You can adjust risk tolerance anytime from conservative to aggressive. When a major life event shifts your financial goals, the AI agent can compare your current portfolio against the new target, explain the impact, and help you rebalance, all while drawing from your stored preferences and plan parameters.

Real robo-advisor customization goes beyond advice. With custom actions, the AI agent can securely update your risk profile, change contribution rates, or reallocate assets directly inside the chat. You review the change, give a simple confirmation, and the action is applied, no separate app needed. This blends the convenience of self-service with the safety of a documented, audit-ready process.

Every recommendation the agent gives is grounded in your financial plan, prospectus, and preference history. The system answers from your docs, not guesses. That means when you ask about the tradeoffs of tilting toward income vs. growth, you get a personalized, plan-specific response that considers your current holdings, time horizon, and stated goals.

How do I set my investment preferences with a robo-advisor?

Open the chat and tell the agent what you want to adjust. You can set target equity/bond splits, choose portfolio themes, or exclude specific sectors. The agent uses your plan’s knowledge base to surface the available options and then, through a custom action, saves your choices to your account immediately.

Can I adjust my risk tolerance over time?

Absolutely. Risk tolerance isn’t static. Whenever your comfort level or life circumstances change, you can update it. The AI will show you how the shift affects your projected returns and volatility, using your own portfolio data. Once you confirm, a custom action rebalances your holdings automatically.

What happens if my financial goals change?

You just tell the agent your new goal, like saving for a larger down payment or an earlier retirement. The system reads your current allocation and constraint documents from the knowledge base, then recommends an updated glide path. With your approval, a custom action adjusts your target date or asset mix to reflect the new goal.