Frequently Asked Questions
Answers to the questions we hear most often from retirees and pre-retirees considering Merithold Holdings for risk-managed portfolio monitoring.
Before you begin
If you don't find what you're looking for below, our team is happy to walk through specifics during a risk assessment call.
What does Merithold Holdings actually do?
Merithold Holdings provides AI-guided monitoring and risk assessment for investment portfolios, with a focus on retirees and pre-retirees. Our platform tracks your holdings, flags changes in risk exposure, and surfaces recommendations for you and your advisor to review. We do not take discretionary control of your assets.
Is Merithold Holdings a replacement for my financial advisor?
No. Merithold Holdings is designed to work alongside an advisor or as a monitoring layer for self-directed investors. The platform surfaces information and flags risk patterns; it does not provide personalized financial advice or make decisions on your behalf.
Who is this service designed for?
We built Merithold Holdings primarily for people approaching or already in retirement who want clearer visibility into how their portfolio risk is evolving over time, without needing to interpret dense statements or spreadsheets themselves.
How does the risk assessment process work?
You start by submitting basic information about your current holdings and goals through our intake form. Our system reviews this information and generates an initial risk profile, which is then discussed with you before any ongoing monitoring begins.
Do I need to move my accounts to Merithold Holdings to use the service?
Account transfer requirements depend on the service tier and your existing custodial relationships. This is addressed individually during your initial consultation, since it varies by the type of accounts and institutions involved.
What kind of AI is used, and how much does it decide?
Our AI tools analyze portfolio data to identify patterns, concentration risk, and shifts in volatility exposure. These outputs are intended as decision-support information. Any resulting action is reviewed by our team rather than executed automatically.
How often will I receive updates on my portfolio?
Update frequency depends on the monitoring plan you choose. Some clients prefer periodic summaries, while others want to be notified promptly when a meaningful risk change is detected. This is configured as part of onboarding.
What does the service cost?
Pricing depends on the scope of monitoring and the complexity of your portfolio. We provide a specific quote after reviewing your situation during the initial assessment rather than publishing a flat rate that may not reflect your needs.
Is my financial data kept secure?
We apply industry-standard data protection practices to information submitted through our platform. Details of how data is collected, stored, and used are described in our Privacy Policy.
Can I cancel or pause the service at any time?
Yes. You can request to pause or cancel monitoring at any point. Specific notice periods and account-closing steps are outlined in the terms you receive when you sign up.
Does Merithold Holdings guarantee investment returns?
No. Merithold Holdings does not guarantee returns or promise specific outcomes. Our role is limited to monitoring and risk assessment; all investing carries risk, including the potential loss of principal.
How do I get started?
Use the "Start Risk Assessment" link in the site navigation to begin. A member of our team will follow up to discuss your portfolio and confirm whether our service is a good fit for your situation.
Still have questions?
Reach out to our team directly and we'll help you figure out whether Merithold Holdings is the right fit for your portfolio.