Ihsan Wealth

Ihsan Wealth serves individual retail clients and retirement accounts through a fully automated, discretionary investment platform accessed by a website and mobile app. The firm offers Shariah-compliant model portfolios built from a limited set of exchange-traded funds, optional tax‑loss harvesting, and an alternate Ihsan Fund option of 30 to 40 U.S. stocks; the firm also sells separate securities‑screening and budgeting software subscriptions outside of the advisory fee.

Investment decisions are generated solely by the firm’s software using rules‑based sector and financial ratio screens that follow AAOIFI/Shariah standards, strategic asset allocation, and programmatic rebalancing; the Ihsan Fund applies additional ethical exclusions drawn from public lists (for example, UN settlement listings, sanctions lists, and entities covered by forced-labor restrictions) and holds the same stock portfolio for every client who selects it. Client onboarding is questionnaire-driven and assigns each client to a fixed-risk model with limited tailoring—clients may place their own trades but purchase requests are screened and the platform does not support security‑level customization within the managed models.

The firm is organized with multiple owners while maintaining a single registered investment adviser representative, and at the time of the brochure reported no regulatory assets under management and only two clients, a scale that differs from many independent peers. Ihsan Wealth requires custody at a single broker‑dealer and discloses that the custodian charges a commission on every trade (including aggregated orders), offers discounted paid software subscriptions to advisory clients, and relies entirely on automated processes—factors that bear on execution, potential conflicts of interest from ancillary revenue, and key‑person considerations given the sole adviser’s central role.