Marstone LLC

Marstone provides online financial advisory and discretionary portfolio management through a secured website to individual investors and, via sub‑advisory agreements, to institutions and other investment advisers. Services described in the brochure include creating investment plans, recommending and managing diversified ETF portfolios, and offering participation in wrapped and non‑wrapped programs.

The firm uses an algorithmic process to assess client risk and formulate investment allocations, generally favoring a buy‑and‑hold approach with periodic rebalancing and customized adjustments based on client inputs. Marstone implements portfolios on a discretionary basis, performs overlay management for third‑party models when directed, and may include ESG and alternative exposures such as cryptocurrencies where suitable for a client’s objectives.

Compared with many independent advisers, Marstone operates primarily as a digital adviser, sponsors wrap fee programs, and serves other investment advisers and institutional clients through sub‑advisory arrangements. The brochure also discloses referral‑fee arrangements and an affiliation with IQvestment, LLC, alongside its use of algorithmic tools and ETF‑centric strategies, features that align with a platform‑based model rather than a traditional solo practitioner practice.