N. Swanzey, NH Office

Waldo.ai provides discretionary investment management, investment advisory and sub‑advisory services delivered exclusively through an online web‑based portal to other independent advisors, banks, credit unions and institutions, as well as directly to individual and high‑net‑worth investors. The firm offers multiple wrap fee programs that employ model portfolios constructed from equities, ETFs, mutual funds, or combinations thereof.

Allocations are driven by an online risk‑tolerance questionnaire and implemented through model portfolios that are reviewed and overseen by an investment committee and rebalanced quarterly; Waldo.ai may act as either advisor or sub‑advisor to Program Sponsors. As with many independent advisers, Waldo.ai provides portfolio management for individuals and generally charges fees based on assets under management.

Waldo.ai is uncommon among independent firms in being an internet‑only adviser and in sponsoring wrap fee programs while also supporting corporate and institutional clients such as banks and credit unions. The brochure discloses that the firm managed approximately $10,851,715 in discretionary assets as of March 25, 2025, and that it uses directed brokerage arrangements and maintains solicitation arrangements for referrals and paid endorsements.