San Diego, CA Office

Origin Investment Advisory provides financial planning, budgeting and portfolio management services to individual retail clients through a direct‑to‑consumer subscription model and employer‑sponsored programs. Its product suite includes discretionary Automated Index Investing (AII) model portfolios, non‑discretionary Stock Bundles, an AI‑driven Origin AI Advisor, and a cash management sweep (Origin High Yield Cash Account) made available through DriveWealth.

The firm’s investment approach is rooted in Modern Portfolio Theory with behavioral‑finance adjustments and systematic, rules‑based model construction; clients complete AII and Origin AI Risk Profile questionnaires before receiving discretionary AII management or personalized AI recommendations. Instead of a traditional percentage‑of‑assets management fee, Origin primarily uses subscription fees and employer‑paid service arrangements and discloses that AII accounts are not charged a firm percentage‑of‑AUM management fee (underlying fund expenses and DriveWealth costs still apply).

Distinctive operational features include extensive use of the Origin AI Advisor — a multi‑agent LLM architecture integrated with real‑time data feeds and location‑specific retirement projections — subject to a proprietary automated compliance gateway (“EVAL”) that runs 138 checks and retains immutable audit logs for at least seven years. The firm also reports a significant non‑U.S. client base, expressly discloses use of testimonials and social‑media promotions and promotional incentives in its marketing, and operates exclusively with DriveWealth for custody and execution while offering fractional shares and employer‑sponsored access.