Fitbux RIA LLC

Fitbux RIA LLC provides discretionary investment management to individual and high‑net‑worth clients, implementing portfolios through a third‑party sub‑adviser and custodial platform. In addition to common investment vehicles such as ETFs, mutual funds, and bonds, the firm also facilitates other financial products, including variable life insurance and variable annuities—services that are uncommon among similarly sized independent RIAs.

The firm’s process uses a proprietary risk‑profiling questionnaire and an algorithmic/AI‑assisted asset allocation tool developed and licensed from an affiliated technology company, and clients are required to use that affiliated SaaS platform as part of onboarding. Fitbux RIA states it independently reviews and retains ultimate authority over all suitability determinations and may override algorithm outputs, with compliance oversight and periodic validation of the tools.

Noteworthy distinctions include the mandatory use of an affiliated technology platform for client data and risk scoring, the firm’s sole use of a single sub‑adviser/custodian platform for portfolio implementation, and the firm’s disclosure of these affiliated relationships as potential conflicts of interest. The brochure also records recent corporate changes—including consolidation of affiliates and the sale of the parent company to Rate Holdings Corp.—which are documented as potentially relevant to the firm’s technology and service arrangements.