Low-Risk Strategy - it’s on us!
We believe everyone should have access to quality advice regardless of their ability or willingness to pay. As such, we offer our Low-Risk strategy, positioned against a 40% U.S. stock / 60% U.S. bond comparison, to all registered users free of charge.
| Kivalia Service Offering | Pricing |
| Low-Risk Strategy | Free with Registration |
| Full 4 Strategy Access (Standard) | $19.95 per quarter |
| Full 4 Strategy Access (Credit Guarantee) | $29.95 per quarter |
Standard, or Credit Guarantee – your choice.
For those wishing to pursue higher returns, at the cost of increased day-to-day turbulence, we offer a set of three more aggressive strategies bundled as a quarterly subscription service.
We’re confident in our ability to deliver value over time and believe strongly in aligning our incentives with your own. Therefore we offer you a choice of subscriptions - a standard fixed priced option, or a premium Full Credit Guarantee.
The Kivalia Full Credit Guarantee* ties your payment directly to our success - if we don’t add value in any quarter, you don’t pay!
Both options give you access to the same great advice for all four Kivalia strategies, and are billed quarterly.
* The Kivalia full credit guarantee is available only for the strategy Kivalia deems best suited to your personal situation in a given quarter. Your choice to pursue an alternate strategy is independent of our credit guarantee.
In the event that the strategy we deem most appropriate for your situation under-performs its corresponding, similar-risk target-date fund during a calendar quarter, we will refund your full quarterly fee back to your credit card.
Settlement of performance guarantees are generally completed within two weeks after the end of each quarter. Performance for each strategy is calculated using the weighted net-of-fee total returns for each security held in the strategy. The “corresponding, similar-risk target-date fund” series used for all Kivalia strategies and this guarantee are the Vanguard Target Retirement series, Inv class. Total returns for each security are available on Morningstar a few days after quarter’s end.
Any disputes in calculated total returns for either the strategy in question, or the corresponding similar-risk target-date fund will be reviewed by Kivalia and Kivalia’s decision after the review will be final.
