4 Alpha
4 Alpha is an actively managed, undiversified, low-turnover equity investment strategy in which clients typically directly own stocks.
4 Beta
4 Beta is a diversified, low turnover equity strategy in which clients typically own ETFs.
ADB
Average Daily Balance
Addepar
A comprehensive wealth management platform that aggregates and analyzes financial data, providing advisors with a complete view of client portfolios, including access to their monthly statements.
ADV2A
ADV2A
Form ADV Part 2A, often called the "Firm Brochure," is a mandatory disclosure document that registered investment advisers (RIAs) must provide to clients. It gives a comprehensive overview of the advisory firm, including its services, fees, conflicts of interest, and overall business practices.
ADV2B
ADV2B
Form ADV Part 2B, commonly referred to as ADV 2B, is a brochure supplement that provides disclosures about the individual investment advisor representatives (IARs) who work with clients on behalf of an advisory firm.
AUM
Assets Under Management
Charles Schwab
A major brokerage and custodial platform used for managing investment accounts.
CTA
Call to Action
DocuSign
An electronic signature solution used to securely send, sign, and manage documents electronically.
FGAM
Financial Gravity Asset Management (FGAM): A registered investment advisor providing a turnkey asset management platform for investment portfolio management.
FGEM
Financial Gravity Enhanced Markets (FGEM): An independent marketing organization (IMO) managing agents and assisting clients with annuities and life insurance solutions.
FGFOS
Financial Gravity Family Office Services (FGFOS): A registered investment advisor and fractional family office offering financial planning and investment advisory services.
FGLS
Financial Gravity Legacy Services (FGLS): An advanced planning firm that specializes in handling complex cases by utilizing legal instruments like trusts and implementing enhanced wealth strategies to optimize and transfer wealth in a highly tax-efficient manner.
FGTS
Financial Gravity Tax Services (FGTS): A tax services firm specializing in tax returns, strategic tax planning, and tax projections.
Fidelity
A major brokerage and custodial platform used for managing investment accounts
Firelight
A digital e-application and workflow platform used to streamline insurance and annuity product sales and processing.
FOD
Family Office Director
FOP
Family Office Partner
IAR
Investment Advisor Representative
IFOD
Independent Family Office Director
IMO
(Independent Marketing Organization): A company formed by independent life insurance agents, serving as a bridge between insurance carriers and independent agents.
Incomize
A tool designed to simplify retirement income planning by helping advisors create income strategies that align with client goals and timelines, for Legacy and Business Planning it is a cornerstone.
Intake Risk Category
Risk Category filled out by client on their intake form
IPS
IPS
An Investment Policy Statement (IPS) is a formal, strategic document created between a financial advisor (or portfolio manager) and a client that outlines the rules and guidelines for managing the client’s investment portfolio.
MFO
Multi Family Office
MRC
MyRIACompliance
NIGO
Not In Good Order - This term refers to documents, applications, or transactions that are incomplete, inaccurate, or otherwise do not meet the required standards for processing.
Pontera
A secure platform that enables financial advisors to manage and trade within held-away retirement accounts on behalf of their clients. It allows retirement savers to receive professional guidance on their 401(k) investments without needing to transfer assets.
QCD
Qualified Charitable Distribution
Real Risk Number
This term is often used in conversation, and usually refers to the Real Risk Tolerance
Real Risk Score
The risk of the underlying security, when aggregated by weighted average of a portfolio's holdings is the portfolio's real risk score.
Real Risk Score Category
The correlating risk category determiend by the real risk score
Real Risk Target
The risk of the asset allocation aligned closely to the Real Risk tolerance chosen by the client
Real Risk Tolerance
This is the number representing the risk a client is willing to take with their portfolio (from the Risk Meter)
Real Risk Tolerance Category
The correlating risk category determined by the real risk tolerance
RIA
Registered Investment Advisor
RightCapital
A powerful financial modeling and planning platform that offers tools for retirement, tax, insurance, education planning, charity strategies, and much more in a client-friendly format.
Risk Meter
A risk assessment tool that evaluates a client's risk tolerance and provides a visual representation to guide investment decisions based on behavioral science.
RMD
Required Minimum Distribution
Simplicity
A financial product distribution and marketing company that supports advisors with tools, products, and services—often focused on insurance solutions.
TAMP
Turnkey Asset Management Program
Tax Architect
A tax planning software that models sophisticated tax scenarios and strategies to help optimize after-tax income for clients, best for Legacy Planning and Business Planning.
TBP
Tax Blueprint (TBP): A personalized tax savings strategy designed to help clients and businesses implement effective tax-saving measures.
TMA
Taxes First, Then Math Analysis
TMN
Tax Master Network (TMN): A tax strategy firm offering customized tax blueprints to help clients and businesses optimize tax savings.
TSE
Tax Savings Estimator
TWR
Time Weighted Return
UFOD
Unlicenced Family Office Director