Allio

Allio is a fintech company that provides an investment application leveraging artificial intelligence and a top-down, macroeconomic approach to portfolio management. Founded in 2020 by Joseph Gradante and David Chen, the Seattle-based startup aims to make sophisticated investment strategies accessible to a broader audience. Gradante, the CEO, has a background in capital markets as a global macro strategist and private money manager; he was inspired to create Allio after graduating during the Great Recession, feeling a responsibility to help younger generations navigate new economic structures. Chen serves as the Principal Engineer and Co-founder.

The company's core technology, ALTITUDE AI™, analyzes macroeconomic indicators like inflation, interest rates, and GDP to optimize and reallocate portfolios across various asset classes, geographies, and sectors. This approach is designed to adapt to changing market conditions, hedge against inflation, and manage risk by focusing on big-picture economic trends rather than individual stock performance. Allio offers several portfolio options through its app, including fully managed macro portfolios handled by its team, and dynamic macro portfolios that allow users to customize their asset allocation from over 4,700 stocks and ETFs. The platform also features impact investing portfolios aligned with values like clean energy and social justice, and a "Net Worth Tracker" to consolidate a user's financial picture.

Allio operates as an SEC-registered investment advisor (Allio Advisors LLC), with brokerage services provided by its affiliate, Allio Markets LLC, a FINRA/SIPC member. The business model is subscription-based, with a monthly fee of $1 for its core portfolio, with additional fees for other services, all of which are waived once an account reaches a $10,000 balance. The company caters to long-term investors, not speculators, and provides tools like a Macro Dashboard with real-time economic data to promote financial literacy. Allio raised $5 million in an early-stage venture round in August 2021 from investors including Liberty Partners.

Keywords: macro investing, AI investing, robo-advisor, portfolio management, fintech app, wealth management, financial technology, automated investing, economic data, investment strategies, asset allocation, inflation hedging, risk management, Joseph Gradante, ALTITUDE AI, dynamic portfolios, SEC registered investment advisor, financial literacy, investment tools, net worth tracker