B-Online Portfolios
B-Online Portfolios

low cost investing, welcome to B-Online Portfolios

No Commissions, No Account Service Fees, No Advisory Fees

Simple, Smart Investing

We partnered with Charles Schwab to offer a low-cost investment management platform so you can begin investing for your goals now.

Making sure you're invested correctly.

As an expert professional resource in our community we take pride in offering a low cost, online solution to investing.  Our dynamic portfolios were created to help meet the ever changing needs of investors in any economic landscape. With our carefully selected portfolio models, including a tax loss harvesting solution and tax free fixed income offerings, we have developed a platform to fit the personalized investments needs of all investors.  

Why pay commissions and fees just to invest?

Some investors have the complexities that justify the need to pay an advisory fee to a fiduciary advisor, however for others, they just want to invest in a  prudent, diversified portfolio that's low cost. Combining years of investment management experience, innovative technology, and no transaction fee, low cost Exchange Traded Funds (ETF’s) we are able to provide the client with these professional portfolio strategies for NO COMMISSIONS and NO ADVISORY FEES.  Also clients can take comfort in knowing their assets are being held by Charles Schwab & Co, an SPIC insured broker dealer. 

Sophisticated Investing

Multiple Portfolios

We have 12 unique diversified models of ETF's ranging from a very conservative 10% equity allocation to an Aggressive 90% equity allocation.

Automatically Rebalanced

Our cutting-edge technology monitors and rebalances your portfolio to help keep you diversified and on track.

Tax Efficient

If an investment declines in value, our automatic tax-loss harvesting may help you offset the taxes on investment gains. *Please make sure to consult your independent tax advisor.

FAQ

Is it really free of advisory fees and commissions?

Yes, we don't charge an advisory fee, not 1% or 2%, literally 0%.  You also don't pay transaction fees or commissions. 

By hand-selected low-cost ETF's the portfolio models average internal expense ratio is less than .20%.

Why is your firm offering it for free?

We are a fiduciary wealth management firm that believes in doing what's in the best interest of our clients.  Though the technology is awesome, it is still solely an online digital investment management platform. If at some point in the future you actually need a human advisor we hope you allow us the opportunity to discuss our advisory services with you. These services do cost something since people do need to get paid.

How does it compare to other digital investment solutions?

Other platforms may require investing in their own proprietary funds. We do not do this. We've filtered through over 900 funds to hand-select the funds that have passed our due diligence process regardless of their firm affiliation.

Also, other platforms may require that you hold upwards of 15% or more in cash. Our portfolios will never have more than 4% of your portfolio in cash. This means you'll have 96% of your portfolio fully invested in your investment allocation.

Is it easy to setup?

Totally! If you can setup a Facebook account or buy something on Amazon, you can do this.  We've simplified it down to 4 steps:

  1. Click HERE and enter the code "CYK7"
  2. Answer an investor profile questionnaire (IPQ). This gauges an individual's risk capacity, risk willingness, goals and preferences.
  3. Once the investor profile has been completed the next step is going through the account opening process.
  4. Finally, we review the recommended portfolio and are able to make adjustments and confirm before any money is invested.

What can you invest for?

No matter what the investment goal or objective is, B-Online Portfolios were designed to help get you there.  

Clients can:

  • invest for retirement
  • save for a vacation
  • build long-term wealth
  • set and adjust a target deposit amount to help reach financial goals

Is there a minimum and who can I call for help?

Yes, Charles Schwab requires a minimum of $5,000 to have an account on the platform.

For assistance please call Schwab's 24hr dedicated support team at 

1-877-805-3399

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Contact Us

Drop us a line!

Find out about our financial advising services

Call us to schedule a free virtual consultation to discuss our additional financial planning and investment management services.

B-Online Portfolios

200 Kentucky St., Ste. C, Petaluma, CA 94952, US

(707) 595-6556