Portfolio Manager - Who We Are - Jemstep

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General Questions

Jemstep Portfolio Manager is an easy-to-use online investment guidance and management service that helps individual investors optimize their investment portfolios to maximize returns without undue risk.

Investing is complex and intimidating to most people, and many are unsure how to go about it. Often, they’re afraid they’ll make the wrong decisions and end up losing money. But it doesn’t have to be that way. Everyone should be able to invest for a secure retirement—safely and simply, no matter how much money of investing experience they have.

Jemstep Portfolio Manager makes it so. Based on the research of Nobel Prize-winning economists and the experience of multi-billion-dollar institutional investment managers, Jemstep’s portfolios are designed to help investors achieve higher returns than their existing portfolios, while reducing the drastic fluctuations that can occur when markets move up and down. These portfolios have been back-tested against the S&P 500 over 14 years and have delivered higher returns with less risk. In recommending what investments to sell and buy, Jemstep’s patented investment evaluation technology helps investors minimize taxes, reduce fund fees, and select top-quality investments. The result is a specific, transparent Action Plan for you: exactly what to buy and sell to achieve your goal without undue risk. Jemstep’s investment recommendations are technology-based and data-driven. We receive no fees from any of the funds we evaluate or recommend. So you can trust Jemstep Portfolio Manager’s guidance to be transparent and objective.

Jemstep Portfolio Manager helps you retire with more money without exposing your savings to undue risk.

It’s easy. You simply answer a few questions about your investment goals, time horizon for achieving them, financial situation and savings rate, and preferences regarding risk and investment fees. Jemstep tells you exactly what to do to invest safely and successfully. Jemstep Portfolio Manager automatically monitors your holdings and the market, alerting you when it’s advisable to rebalance or replace assets and recommending your best options among mutual funds and ETFs.

With Jemstep, you continue to buy and sell assets in your usual way: online if you have an online brokerage account, or through your broker or financial advisor. So there’s no need to make changes to your current financial relationships. If you have a broker or financial advisor, you can use Jemstep Portfolio Manager to evaluate his or her advice and recommendations, quickly and easily.

No. Jemstep Portfolio Manager is for everyone. Whatever your level of investing experience, Jemstep’s mission is to help you become a smarter, more informed investor. Our guidance does more than simply identify the best asset allocation and investment choices for your unique goals and situation. We also explain, in terms you can understand, exactly why the portfolio and individual assets we recommend are the best choices for you. The purpose of Jemstep Portfolio Manager is to give you both control and reassurance concerning your financial future. You make your own investment decisions; Jemstep Portfolio Manager gives you the information you need to make good decisions.

A Basic Account is free. With it, you get an analysis of your current asset allocation along with Jemstep’s recommended allocation for your situation and goals, four sample buy and sell recommendations for improving your portfolio and reaching your goals faster, and a simple way to track all your retirement accounts in one place. With a Premium Account, you also get Jemstep’s detailed Action Plan for building, managing, and optimizing your ideal portfolio … continuous tracking of your progress toward a secure retirement … and instant alerts and guidance when it’s time to rebalance or change investments – all for a flat monthly fee based on the total value of the investment accounts you link to your Jemstep account. (If your investment assets are less than $25,000, a Premium Account is free.) Click here to see pricing details.

Jemstep is a privately owned company with headquarters in Los Altos, California. Led by a team of experts with over 100 years’ combined experience in finance management, and technology innovation and development, Jemstep tracks more than $2 billion in assets for private clients.The founders created the company with the express purpose of giving “everyday” investors a trustworthy source of unbiased, transparent, and personalized investment guidance.

Jemstep’s mission is to empower you to reach your financial goals, starting with a secure retirement nest-egg, without undue risk.

Jemstep is a Delaware corporation and a Registered Investment Adviser (RIA) under the rules and regulations of the Securities and Exchange Commission.

No. As a Registered Investment Advisor, Jemstep has a fiduciary duty to serve your interests and your interests only in the investment advice we provide you. Jemstep Portfolio Manager's asset allocation models are based on proven financial and statistical methods, and our fund evaluations are absolutely objective. We do not accept paid listings or sponsorships that influence our portfolio guidance or investment recommendations in any way, nor do we factor subjective user reviews into the guidance we provide. When Jemstep Portfolio Manager identifies your best asset allocation and investment options, you can be sure our guidance is based only on your goals and situation and objective, verifiable market data.

Jemstep Portfolio Manager’s guidance is wholly transparent. Your recommended asset allocation includes an explanation of why that balance of investments is best for you. Likewise, each of Jemstep’s specific investment recommendations also comes with a clear, easy-to-understand explanation of why the recommended fund is one of the best options for you based on your goals and situation.

Three years in the making, Jemstep Portfolio Manager’s patented technology was created by investors for investors. All the members of our team have faced the same challenges as you in trying to navigate the complex, often confusing world of investing. With the support of professional advisors and seasoned financial industry experts, we created Jemstep Portfolio Manager with the goal of helping ordinary people make better investment decisions. Our methods and services have been evaluated and approved by leading economists, financial advisors, actuaries, and investment professionals.

We are independent and unbiased; we have to be, because Jemstep Portfolio Manager is registered with the Securities and Exchange Commission (SEC) as a Registered Investment Advisor (RIA). As such, we have a fiduciary duty to serve your best interests and your interests only in the services we provide you.

Absolutely not. We are bound by a strict privacy policy in compliance with all federal and state laws.