Eight portfolios. One clear journey.

Every portfolio uses a Dual-Engine approach — a core of index ETFs paired with a momentum overlay — matched to your Retirement Ratio target and risk tolerance.

The dual-engine approach.

The dual-engine approach.

Two complementary engines work together: a stable index core and a dynamic momentum overlay. The result is a portfolio designed to capture growth while managing downside risk.

Two complementary engines work together: a stable index core and a dynamic momentum overlay. The result is a portfolio designed to capture growth while managing downside risk.

Engine 1 — The Foundation

Index ETFs

Index ETFs

Low-cost, diversified index exposure. 60–80% of the equity allocation.


Engine 2 — The Enhancer

Momentum ETFs

Momentum ETFs

Rules-based momentum overlay that tilts toward strength. 20–40% of equity allocation.

Growth Portfolios

Built to grow.

Built to grow.

Higher equity allocation, long time horizon.

Summit

100/0 Stock/Bond

Maximum growth. 100% equities with dual-engine momentum approach.

60% Index Core

40% Momentum

Ridge

80/20 Stock/Bond

Aggressive growth with a small fixed income buffer.

44% Index Core

36% Momentum

20% Fixed Income

Grow and protect.

Grow and protect.

Classic balance with a momentum edge.

Mountainside

70/30 Stock/Bond

Growth-oriented with meaningful downside protection.

42% Index Core

28% Momentum

30% Fixed Income

Hilltop

60/40 Stock/Bond

Balanced approach — classic 60/40 with a momentum edge.

36% Index Core

24% Momentum

40% Fixed Income

Balanced Portfolios

Income Portfolios

Income first.

Income first.

Fixed income anchored, equity enhancer.

Valley

50/50 Stock/Bond

Equal growth and income. Lower volatility, steady income.

30% Index Core

20% Momentum

50% Fixed Income

Meadow

40/60 Stock/Bond

Income-oriented with moderate growth exposure.

24% Index Core

16% Momentum

60% Fixed Income

Preservation Portfolios

Protect what you have.

Protect what you have.

Minimal equity, capital preservation focus.

Haven

30/70 Stock/Bond

Conservative income focus with limited equity exposure.

18% Index Core

12% Momentum

70% Fixed Income

Basecamp

0/100 Stock/Bond

100% fixed income via individual bond ladders.

100% Fixed Income

Individual bond ladders.

Individual bond ladders.

For clients in or near retirement, we build individual bond ladders using Treasuries or high-grade corporates. Staggered maturities provide predictable income without the duration risk of bond funds.

For clients in or near retirement, we build individual bond ladders using Treasuries or high-grade corporates. Staggered maturities provide predictable income without the duration risk of bond funds.

Staggered maturities for predictable cash flow

Reduced interest rate risk vs. bond funds

Built specifically for your timeline

*Individual portfolios will differ on overall allocation based on market changes, rebalancing, and individual portfolio needs. All portfolios are subject to market risk and there is no guarantee any portfolio will meet its stated investment objective.

Find your place on the journey.

Find your place on the journey.

Wealth Balance Advisors

Retirement Planning, Simplified.

Birmingham, AL

Client Access

Subscribe to Our Newsletter

Wealth Balance Advisors is an other business name of Independent Advisor Alliance, LLC. All investment advice is offered through Independent Advisor Alliance, LLC, a registered investment adviser. This website is for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.

Wealth Balance Advisors

Retirement Planning, Simplified.

Birmingham, AL

Client Access

Subscribe to Our Newsletter

Wealth Balance Advisors is an other business name of Independent Advisor Alliance, LLC. All investment advice is offered through Independent Advisor Alliance, LLC, a registered investment adviser. This website is for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.