Robo Advisor Vs. iFlip's A.I. SmartFolio
The Difference In Stock Market Investment Accounts

Maybe you've wondered, "What's the difference between iFlip's A.I. SmartFolios and Robo Advisor company products like Betterment, Wealthfront, Wealthsimple, and others?" The short answer is iFlip SmartFolios are NOTHING like Robo Advisors or Index Funds.

Robo Advisors use a strategy called rebalancing that utilizes algorithms to rebalance your account. Essentially, this means it uses an unchanging algorithm to perform an automated adjustment of funds. Robo Advisor algorithms require no intelligence whatsoever. It is the same repeatable algorithm every time.

iFlip SmartFolio The Self Driving Investment Vehicle

iFlip uses A.I. technology to analyze and trade the market for you. What does that mean? In essence, the difference between an iFlip SmartFolio and a Robo Advisor is comparable to a Tesla and a Honda Civic. In the Honda Civic (Robo Advisor), you can use cruise control, which would keep your car going at a certain mph. This makes life easier, but still leaves you vulnerable to your own human mistakes. Tesla (iFlip A.I. SmartFolio) takes control of your car through total automated driving. It controls the speed direction and movements of the car. It has the power to truly protect you from yourself.

Robo Advisor vs A I SmartFolios Stock Trading 1

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What iFlip A.I. SmartFolios Technology Does - Risk Management For Stock Trading Apps

iFlip's A.I. SmartFolio technology uses a complicated analysis on your stock positions (DAILY). This type of machine learning can make decisions to trade on your behalf, based on risk and profitable future results. The A.I. SmartFolio acts with intention. It uses the A.I. to analyze risk and will then perform a buy, sell or hold order, if it sees long-term profitable results. This is a done-for-you solution and doesn't require customers to even login or understand how the stock market works.

For example, iFlip’s A.I. predicted a dip at the beginning of 2020. Back in November 2019, the A.I. SmartFolio automatically sold a large portion of iFlip's customers' positions in the S&P 500 (SPY), as shown in the graph. This action saved customers a big part of their investments because of the sharp losses that took place in February 2020. The S&P 500 (SPY) suffered a -32.3% loss.

2020 Crash Data 3
Publication Date of Chart & Article: April 1, 2020 “Results of platform users are different depending on date of account establishment and other factors. Results are hypothetical. Past performance is no guarantee of future results.”

What happened? The A.I. SmartFolio "Tactical Model" started to see red flags in the market, meaning risk was increasing at a high rate. This prompted the A.I. SmartFolio to decide to sell a large portion of its positions. This sell took place in November 2019 and the stock crashed three months later in February 2020.

The A.I. SmartFolios are designed to see volatility and risk. Based on the analysis of these factors, it will then buy, sell or hold A.I. investment positions. We do not believe in a crystal ball or knowing EXACTLY what a stock will do in the future. However, we've shown in historical results, it's possible for our A.I. SmartFolios to get close enough to avoid large crash losses. Robo Advisors and Index Funds rely on the market increasing over time. This is fine if you're willing to accept mediocre returns and high fees.

After the market crashed, iFlip's A.I. Smartfolio bought back into the market on March 17, 2020, just as the market started its sharp recovery. This shows the A.I. foresaw the market would create a V-shaped recovery. Where is this A.I. Smartfolio technology come from?

Kelly Korshak, CTO & Co-founder of iFlip, spent more than 20 years developing machine learning systems for the world's top investment banks. Kelly's systems were used to successfully invest over $4 billion, and now, he is bringing his professional-grade technology to individual investors.

Read more about Kelly Korshak

What Robo Advisors Do - A Strategy Called Rebalancing

Companies with Robo Trading Advisors use a strategy called rebalancing to grow their wealth. This type of strategy utilizes diversification. Your money is put into different groups of stocks giving you a portfolio that is balanced (some bonds and tech stocks). By diversifying your money, these companies hope that over time, you will make money as the stocks grow in value. Rebalancing occurs when some of your stocks grow more than others. When this happens, the Robo Advisor will automatically buy and sell stock portions. It does this in order to get your portfolio back to its original diversified portfolio. This type of strategy doesn't try to avoid risk through analysis or any kind of intelligence. Below is an example of rebalancing.

To Better Understand Rebalancing, See The Following 3 Steps:

Rebalancing Diagram 1

Step 1. You invest $200 | $100 in Portfolio A (50% of Investments) and $100 in Portfolio B (50% of Investments).

Rebalancing robo advisors robo trading stocks example

Step 2. Wait One Month | Portfolio A grows to $150 (60% of Investments). Portfolio B stays at $100 (40% of Investments).

Rebalancing Diagram 3

Step 3. Robo Advisor Rebalancing | Robo Advisor automatically sells $25 in Portfolio A, changing it to $125 (50% of Investments) and buys $25 of Portfolio B, changing it to $125 (50% of Investments).

*Result: Investments are rebalanced. | Both portfolios are back to a 50% split of total investment value.

iFlip doesn’t believe rebalancing is an effective tool to preserve, protect and grow wealth. The key to good returns is investing in what is successful and managing risk for higher returns. Robo Advisors don't do any of that!

This is why Robo Advisors under perform. Currently, iFlip is the only software giving individuals the ability to use A.I. SmartFolio technology to protect and grow their wealth through automation. It has the power to actually manage the risk for your investments based on A.I. SmartFolio decision making.

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Doug Adams - COO

Doug Adams has more than 30 years of experience as an executive in the IT industry. He has demonstrated success helping companies grow profitably with high degrees of customer satisfaction. 

He has a passion for developing talent and building high performing teams. Most recently as a Senior VP at FusionStorm, he helped grow the company from $440mm to over $1bb in sales and improve profitability 1500% (15x) over 7 years. Prior to that he was at Oracle for 14 years where he served as a Vice President in their North America Consulting Division. 

He had responsibility for a variety of software and technology practices with a team of over 400 consultants. He has also held leadership positions at IBM and Andersen Consulting (Accenture), and holds a BS degree from Cal Poly, San Luis Obispo in Industrial Engineering.

Ed Sweeney

Ed Sweeny - Board Member

Ed Sweeney is a partner and a founder of RCM Alternatives. Previously, he was a Managing Director of Trading at TD Options, LLC, a subsidiary of TD Securities until 2006. 

He is also a founder of Starboard Specialty Funds, LLC. which is an active fund specializing in private and publicly traded bank equities.
He was also a co-founder of a trading technology firm, Ragnarok Systems, and also worked for O’Connor & Associates and at Swiss Bank Corporation as a director of fixed income trading.
Mr. Sweeney graduated with an M.S. and B.S. in Mechanical Engineering from MIT, has a J.D. from John Marshall Law School and holds a Series 7, 24 and 63 licenses.

Karla Dennis

Karla Dennis - Board Member

As seen in Forbes Magazine, Karla Dennis is an expert tax and business strategist. As an enrolled agent, Karla is licensed to represent taxpayers in all 50 states. She holds a Masters in Taxation and Business Development and is the author of two books, Tax Storm and Against the Odds. 

She has been featured in various media outlets such as, KTLA, Forbes, MSNBC, Yahoo! Finance, and SmartMoney marking her the ultimate tax and business expert.

Thomas Shippee Bio

Thomas Shippee - Consulting Board Member

Thomas P. Shippee is a financial services investor and industry expert. His early years he earned a Bachelor’s degree in Economics at Bates College and an MBA at Pepperdine University.   

For the last 35 years he has served in various positions including CEO of Wells Fargo Financial whereupon he oversaw all US and Canadian consumer and commercial business finance operations from Des Moines, IA.  He currently spends his efforts in the consumer financial services industry counseling and working for small privately held businesses.  

David Bay Bio

David Bay - Consulting Board Member

David is a Kentucky native graduating with a degree in Music Education at University of Kentucky and a Masters degree in Education from Xavier University. His early years were spent excelling as band director leading his group to breaking records, honors and 3 straight years of placing in state wide competitions. 

In 1988 David started a new life of entrepreneurship. Since then his natural ability to lead and passion for growing people has stretched him to employ over a hundred employees and operating several businesses over several industries including real estate, heating oil, farm gas, commercial lubricant, consulting, skilled nursing care, convenience store and restaurant business.  

Marc C

Marc Chesley - Consulting Board Member

Marc Chesley is a software industry pioneer with a passion for growing people and companies. He is a recognized innovator and operational leader. As former CTO at Infusionsoft, Marc helped grow the company from startup to over $100mm in revenue. He has led as CEO and President of many fast-growth software companies. 

Marc was recognized as Arizona CIO of the Year by the Phoenix Business Journal and the Arizona Technology Council.  The Society for Information Management awarded him Arizona IT Leader of the Year. He currently works as the COO at Paradox (fast-growing software firm) managing product teams, engineering teams, business development teams and serving as general counsel.


Kelly Korshak - CTO

Kelly attended Stanford and subsequently the University of Chicago and has a graduate degree in mathematics.  He spent 25+ years on Wall Street, investing over $4 Billion assets for institutional banks and funds including Deutsche Bank, Morgan Stanley, Diamondback Capital, Brevan Howard and Tudor Group. 

His strategy to investing is built around the approach that Artificial Intelligence (A.I.) and machine learning algorithms produce superior risk / reward in the stock market.  This A.I. approach led him to retire from Wall Street with his family in Arizona to start up his own company “Flip Investor”.  

His dream is to empower all individuals to grow their wealth through the power of A.I. SmartFolio technology.

Randy Tate

Randy Tate - CEO

Randy spent his earlier years as a successful collegiate athlete and then self-made entrepreneur.  He grew an athletic apparel company to over $5M+ in revenue, then sold it to a publicly traded sporting conglomerate, Sports Chalet. 

For the last 10+ years he has trained thousands of employees and business owners on how to market effectively, grow sales and build sustainable growth in their companies.

His passion for technology led him to one of the fastest growing software companies called Infusionsoft, which peaked with over 150,000 software users.  As the VP of Business Training for customers, he developed and oversaw the expansion of the Elite Business Education curriculum program.

Since then he has led as the co-founder and CEO of iFlip, SAAS Financial Technology Company.  His passion is to empower all individuals to grow their wealth for the future through the use of AI investing technology.