Every figure your firm reports, traceable to its source.

StratumQuant is a portfolio intelligence and operating platform for independent RIAs. It maintains an audit-ready record of every account and documents the calculation behind every fee, exception and rebalancing proposal, each subject to advisor approval.

Explore the platform

Evaluate it on a sample portfolio. No client data required.

Q3 advisory fee, sample accountSample data

Report$7,561.64Advisory fee, Q3

Calculation92 ÷ 365 daysAverage daily balance × annual rate × days in the quarter

Annual rate100 bps1.00%, set for this client's billing run

Ledger$3,000,000.00Average daily balance, Jul 1 to Sep 30, from 214 recorded events

Approved by the lead advisor Oct 2

Analytics

A complete diagnosis of every account.

Exposure, concentration, liquidity, forward-looking risk and performance, measured against each client's investment policy statement and presented in a single report.

Portfolio analytics report, Hartwell householdSample data

Portfolio value

$3.00M

142 positions

Largest position

18.4%

VTI

Top 10 weight

64.3%

of portfolio value

Sharpe ratio

0.82

5-year, annualized

Tracking error

3.1%

vs. blended benchmark

Liquidity ratio

98.7%

saleable within 5 days

Sector concentrationIPS sector limit 25%

Flagged for advisor review: Information technology is 27.4% of the portfolio against a 25% sector limit in the IPS.

Geographic exposureBy country of risk

Monte Carlo projection10-year horizon, 2,000 simulations

10th to 90th percentile25th to 75th percentileMedian pathSample paths

Largest positions% of portfolio

Performance vs. benchmarkCumulative return, 5 years

PortfolioBlended benchmarkDrawdown

Liquidity and tax lotsTime to liquidate

Unrealized long-term gains$412,800

Unrealized short-term gains$38,950

Harvestable losses$21,460

Open tax lots318

Optimization

Rebalancing proposals you can defend.

Mean-variance, Black-Litterman and risk parity models generate target allocations within each client's policy limits. Every result is a draft proposal for the advisor, never an executed trade.

Efficient frontierSample data

Proposed allocationCurrent vs. target

Ledger

An append-only ledger as the system of record.

Every trade, deposit, dividend and corporate action is recorded as an immutable event. Corrections are new events, never edits, so the full history of every account remains intact and every holding and tax lot can be rebuilt from it.

Event ledger, Hartwell householdSample data

Event	Date	Activity	Amount

Tax lots, AAPLFIFO

Acquired	Shares	Cost basis	Term
Mar 14, 2019	60	$2,800.20	Long
Nov 2, 2021	25	$3,770.75	Long
Jun 21, 2024	10	$2,071.40	Long
Apr 8, 2026	5	$1,031.50	Short

Holding periods are evaluated with leap-year boundaries handled explicitly.

Billing

Fee calculation and reconciliation, with approval controls.

Each client's fee is calculated from the account's average daily balance in the ledger, at the annual rate set for the run and prorated by days. A custodian fee file is produced only after an advisor approves the run.

Try the free fee checkCheck one household's fee against its schedule. No sign-up, and nothing leaves your browser.

Tiered fee calculatorFinancial Tools suite

Account value $3,000,000

1.00% on the first $1M0.75% from $1M to $3M0.50% above $3M

Annual fee$25,000

Quarterly fee$6,250

Effective rate0.83%

Quarterly fee runQ3 2026

CalculateAverage daily balance from the ledger, at the annual rate for the run, prorated by days.
RecordEach fee saved as a draft with the balance, rate and days behind it.
ApproveAn advisor reviews the run. Nothing is billed before sign-off.
ExportCustodian fee file and audit package, generated after approval.

Tools

Client-ready calculators, within the platform.

Financial calculators verified against established references, for the questions that arise in every client meeting.

Net-of-fee projection$1M over 20 years at 6.0% gross

Advisory fee 1.00%

Gross of feesNet of fees

TVM, NPV and IRRGrowth, goal, loan payment and cash-flow analysis.

Monthly payment, $500,000 at 6.5% over 30 years$3,160.34

Required minimum distributionsBased on the IRS Uniform Lifetime Table.

Age 75, $1,000,000 balance, distribution period 24.6$40,650.41

AUM fee tiersTiered advisory fee schedules, calculated in dollars.

$3,000,000 account, two breakpoints$25,000 a year

Allocation driftDeviation of current holdings from target weights.

US equity, 48% held against a 44% target+4.0 points

Workflow

Advisor review on every output.

StratumQuant prepares the analysis. A named advisor reviews and decides, and the record shows who approved what, and when.

Every report begins as a draftNothing is final until an advisor approves it.
No trades are placedRebalancing output is a proposal for advisor review.
Exceptions are flagged, not certifiedOutputs read "flagged for advisor review", never "compliant".
Recommendations are advisory in language"Consider evaluating a ~30% reduction against IPS Sec. 4.1. Advisor discretion required."

Rebalancing proposal, Okafor trustSample data

Draft

In review

Approved

Drafted from the IPS drift checkOct 1
Opened for review by the lead advisorOct 2
Approved with a note on tax impactOct 2

Methodology

Validated calculation methodology.

No formula is invented. Each calculation is implemented from a published reference and must pass four independent checks before it is designated certified.

1
Published reference
Every formula is implemented from an authoritative source.
2
Golden datasets
Known inputs with known results that each engine must reproduce exactly.
3
Property-based testing
Generated inputs verify invariants that must always hold, such as weights summing to 100%.
4
Cross-validation
Results are compared against established independent libraries and tables.

22certified core engines across returns, risk, performance ratios, statistics and fixed income

990+automated tests

Independent cross-validation
Calculation	Reference	Result
Volatility, beta, Sharpe, max drawdown	empyrical	Agreement to floating-point precision
Mean-variance optimization	PyPortfolioOpt, 20 scenarios	Agreement within solver tolerance
Black-Litterman	PyPortfolioOpt	Agreement to approximately 1e-8
PV, FV, NPV, IRR, PMT	numpy-financial	Agreement to 6 decimal places
Required minimum distributions	IRS Publication 590-B	Agreement to the cent

Security

Security and data controls.

Evaluation begins with sample or anonymized portfolios. Your firm decides when production data is introduced.

Two-factor authenticationAuthenticator-app verification at sign-in.

Role-based accessEach team member sees only what their role permits.

Tokenized identifiersPersonal and account identifiers are tokenized at rest.

Firm-level isolationEach firm's records are separated from every other firm's.

Automated scanningDependency and static code analysis on the codebase.

Hardened deliverySecurity headers enforced across the application.

Evaluate StratumQuant on a sample portfolio.

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