We are on a mission to revolutionize the financial industry. Our goal is to generate profits for you in both bull and bear markets. We do not believe you need to suffer in a downturn. We believe you just need the right investment manager.
Should investing be a rollercoaster? We don't think so. We believe your portfolio should reflect a steep and steady incline towards your financial goals.
Prophet Edge is not a bank. We do not hold your assets. Your assets are held with Charles Schwab. We simply manage your assets in your Charles Schwab account.
We are a Fiduciary
We have a legal and ethical obligation to invest with your best interests in mind. Surprisingly, this is not the standard for investment management. Just think of a few companies and Google "Is ______ a fiduciary?" We have a feeling you will be surprised.
"Knowledge is Power"
Our Strategy
We have many videos and articles displaying our strategies in action. Email info@prophetedge.com for the password to unlock these.
Your Account
Account Types Offered
Questions about our accounts? Send an email to info@prophetedge.com and we will provide you with the answers!
Prophet Edge vs Hedge Fund
Prophet Edge: Minimum investment $5,000
Hedge Fund: Typical minimum $250,000+
Prophet Edge: Regulated as a Registered Investment Advisor with the SEC. Everything we invest in must be disclosed to the public
Hedge Fund: Less regulated. Fewer disclosures to the public
Prophet Edge: You, the client, can see what you are invested in
Hedge Fund: You are invested in the fund and cannot see individual positions
Prophet Edge: You can withdraw your funds or transfer them to another account at any time. Within 24 hours of the request, we will sell your positions and the money will typically be accessible within 5 business days
Hedge Fund: Typically certain withdrawal periods, possibly once each quarter. Funds may take weeks or months to transfer
Fee Structure:
Hedge Funds have been known to charge as much as 2% of assets under management and 20% of investment gains. We have a simple annual fee structure (charged prorated quarterly) based on assets under management in your account:
<$25k = 1%
$25k-100k = 0.9%
$100k-500k = 0.8%
$500k-1MIL= 0.7%
$1MIL+= 0.6%
"Diversification is protection against ignorance. It makes little sense if you know what you are doing."
-Warren Buffett
So why do so many investment managers say "buy and hold, ride the waves"?
Why We Believe We Can Time the Market
“You can't time the market." It's been said thousands of times by investors, institutions, advisors, and the like. It is often muttered when an opportunity is missed or money recently invested is subject to a market crash. There are ways to generate signals that can indicate future predictions on the market’s direction. We are monitoring what is called Technical Analysis Indicators. It is a simple method for a complex market. Prophet Edge is designed to trade on this system that uses these types of indicators, along with others, to reduce your loss on any market downtrend by selling at the top, while increasing your gains on any uptrend by getting you in at the bottom.
Have a 401(k) or an Abandoned 401(k)?
It is common for 401(k) fees to be more than 2%. You could be saving yourself thousands of dollars over the years simply by transferring your 401(k) into a traditional IRA managed by Prophet Edge. The Traditional IRA has similar tax advantages as all investments are made with pretax dollars. Here is how to roll your 401(k) into a Prophet Edge-managed Schwab Traditional IRA:
To roll over an old 401(k), select Rollover IRA as the account type, and select Transfer from an outside retirement account when you get to the funding method step.
Once you have created an account, contact your former employer's plan administrator to request a direct rollover of your plan assets.
Schwab Alliance (800-515-2157) will work with you to:
- Complete any forms required by your former employer.
- Decide how you want your retirement assets distributed.
- Ask your former employer to deposit your funds directly into your Institutional Intelligent Portfolios Rollover IRA via wire or check.
To prevent funds from being taxed, the check should be made payable to "Charles Schwab & Co., Inc., FBO (Your Name)."
For an easy deposit, give your former employer your Institutional Intelligent Portfolios Rollover IRA account number and ask that it be included on the check.
Instruct your former employer or plan administrator to mail the check to Charles Schwab & Co., Inc., P.O. Box 628291, Orlando, FL 32862-8291.
Frequently Asked Questions
Who is Charles Schwab?
Charles Schwab is the custodian we use for our assets. Schwab provides what they call the Institutional Intelligent Portfolio, which allows us to bring the Prophet Edge platform to you. Using Schwab technology, we are able to manage your assets in an efficient and professional way.
Time and time again, Schwab has put their clients first. We believe you will be very happy with their services. Schwab was ranked #1 Broker Overall in the 2019 Investor’s Business Daily Best of the Online Brokers Survey. Schwab also ranked #1 in the Customer Service, Low-Cost/Free ETF Trading, and Trade Reliability categories.
Who is Savior LLC?
Savior LLC is the Registered Investment Advisor that operates Prophet Edge. As a Registered Investment Advisor, Savior LLC has a Fiduciary responsibility to do right by the client. We take this extremely seriously and hold your best interests in the highest regard.
Opening and Funding Accounts
What is the account minimum?
The minimum is $5,000.
How are accounts funded?
accounts can be funded with cash or equity securities (individual stocks, ETFs, or mutual funds). Cash can be added through deposits, cash journals from another Schwab account, wires, or MoneyLink. To fund with equity securities, you can submit the request to your advisor, who in turn can initiate internal transfers through Schwab Advisor Center®. Automated Customer Account Transfer (ACAT) and non-ACAT Transfers of Assets (TOA) from other financial institutions into Institutional Intelligent Portfolios accounts are also available using standard processes in place for those transactions.
Can the account accommodate recurring contributions and distributions?
Yes. You are able to set up one-time or recurring deposits and withdrawals at any time through institutionalintelligent.schwab.com or schwaballiance.com. New funds are typically invested on the trading day following the contribution.
You can also elect to have dividends, interest, and capital gains withdrawn, via a form on the Institutional Intelligent Portfolios website. Processing a distribution may require liquidating account assets and could take up to five (5) business days.
Can outside retirement accounts or 401(k)s be rolled over into a Prophet Edge account?
To roll over an old 401(k), select Rollover IRA as the account type, and select Transfer from an outside retirement account when you get to the funding method step.
Once you have created an account, contact your former employer's plan administrator to request a direct rollover of your plan assets.
Schwab Alliance (800-515-2157) will work with you to:
- Complete any forms required by your former employer.
- Decide how you want your retirement assets distributed.
- Ask your former employer to deposit your funds directly into your Institutional Intelligent Portfolios Rollover IRA via wire or check.
To prevent funds from being taxed, the check should be made payable to "Charles Schwab & Co., Inc., FBO (Your Name)."
For an easy deposit, give your former employer your Institutional Intelligent Portfolios Rollover IRA account number and ask that it be included on the check.
Instruct your former employer or plan administrator to mail the check to Charles Schwab & Co., Inc., P.O. Box 628291, Orlando, FL 32862-8291.
Can cash and deposits be transferred from an IRA outside Schwab into a Prophet Edge account?
Yes. To transfer a Roth, Traditional, or previous Rollover IRA from another financial services provider, select either Roth IRA or Traditional IRA as the account type (depending on your individual needs) and select Transfer from an outside retirement account when you get to the funding method step.
Next, call your advisor for assistance with the details.
You or your advisor should contact your custodian to request that your IRA assets be transferred directly to your Institutional Intelligent Portfolios IRA via wire or check.
To prevent funds from being taxed, the check should be made payable to "Charles Schwab & Co., Inc., FBO (Your Name)."
For an easy deposit, give the custodian your Institutional Intelligent Portfolios IRA account number and ask that it be included on the check.
Instruct your custodian to mail the check to: Charles Schwab & Co., Inc., P.O. Box 628291, Orlando, FL 32862-8291.
IRA beneficiaries do not automatically transfer from any other Schwab IRA account to an Institutional Intelligent Portfolios IRA. You will need to designate beneficiaries on your Institutional Intelligent Portfolios IRA online at schwaballiance.com or by completing the form available on the Institutional Intelligent Portfolios website.
About My Account
Can a Withdrawal be made from a Prophet Edge account?
Yes. Cash can be withdrawn from the account at any time. To do so, log in to your Institutional Intelligent Portfolios account at institutionalintelligent.schwab.com and request a transfer to another brokerage or bank account at Schwab or to another institution. Funds are made available immediately unless the withdrawal request exceeds the cash allocation in the portfolio your advisor has selected. If the withdrawal requires the sale of funds to provide the requested cash, the availability of the cash is delayed until the sale transactions have settled. If your portfolio has drifted from its target profile after the withdrawal, it is rebalanced to its target asset allocation.
What is rebalancing?
Every portfolio has a target asset allocation that has been determined by your advisor. Over time, however, contributions, withdrawals, gains, and losses cause your portfolio to stray from the original target, and it can become unbalanced. The solution is rebalancing, the act of periodically buying or selling assets to restore your portfolio to its target allocations. Institutional Intelligent Portfolios® rebalances automatically, thanks to an algorithm that adjusts your account when an asset class shifts a certain amount above or below the target range set by your advisor.
Pricing
<$25k = 1%
$25k-100k = 0.9%
$100k-500k = 0.8%
$500k-1MIL= 0.7%
$1MIL+= 0.6%
Schwab Disclosure
Our automated investment program is available to our clients who open or maintain brokerage accounts at Charles Schwab & Co., Inc. (“CS&Co”), an affiliate of Schwab Performance Technologies. Through our program, we provide you with a range of investment strategies. Each investment strategy consists of a diversified portfolio of exchange-traded funds, as well as an FDIC insured cash allocation. We have contracted with SPT to provide us with the technology platform and related trading and account management services for our program. This platform enables us to make our program available to you online and includes a system that automates certain key parts of our investment process, such as determining your investment objectives, risk tolerance, an appropriate investment strategy, and managing your portfolio through automated rebalancing. We create our investment strategies by choosing from among hundreds of ETFs that are available on the CS&Co trading platform. For more information contact us at info@prophetedge.com
Legal Information and Disclosure
This communication expresses the views and opinions of Savior LLC as of the date it was written or indicated, and such views are subject to change without notice. Savior LLC (“Savior”) (CRD # 299178) has no duty or obligation to update the information contained herein. This communication may include forward looking statements that are based on then-current beliefs of the participants. Such forward looking statements may involve assumptions and known or unknown risks and uncertainties that are subject to change and may differ from actual results, performance or events that occur in the future. Further, Savior makes no representation, and it should not be assumed, that past investment performance is an indication of future results. Moreover, wherever there is the potential for profit there is also the possibility of loss.
This memorandum is being made available for educational purposes only and should not be used for any other purpose. The information contained herein does not constitute and should not be construed as an offering of advisory services or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. Certain information contained herein concerning economic trends and performance is based on or derived from information provided by independent third-party sources. Savior believes that the sources from which such information has been obtained are reliable; however, it cannot guarantee the accuracy of such information and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based.
Risk Disclosure:
Exchange Traded Funds (ETFs) are subject to market risk, including the possible loss of principal. The value of the portfolio will fluctuate with the value of the underlying securities. ETFs trade like a stock, and there will be brokerage commissions associated with buying and selling exchange traded funds unless trading occurs in a fee-based account. ETFs may trade for less than their net asset value.
Investors should consider an ETF's investment objective, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other important information, is available from your Financial Advisor at Savior LLC and should be read carefully before investing.
Diversification does not ensure a profit and may not protect against loss in declining markets. Investors should refer to the individual ETF prospectus for a more detailed discussion of the specific risks and considerations for an individual ETF.
ETFs may have underlying investment strategy risks similar to investing in commodities, bonds, real estate, international markets or currencies, emerging growth companies, or specific sectors. When investing in bonds, it is important to note that as interest rates rise, bond prices will fall. Due to their narrow focus, sector-based investments typically exhibit greater volatility. There are special considerations associated with international investing, including the risk of currency fluctuations and political and economic events. Investing in emerging markets may involve greater risk and volatility than investing in more developed countries. When investing in real estate companies, property values can fall due to environmental, economic, or other reasons, and changes in interest rates can negatively impact the performance. The risk of loss in trading commodities and futures can be substantial. The high degree of leverage that is often obtainable in commodity trading can work against you as well as for you. You should therefore carefully consider whether such trading in ETFs is suitable for you in light of your financial condition.
Disclosure 1: This website is operated and maintained by Savior LLC (“Savior”), an SEC Registered Investment Advisor. Unless otherwise specified, all return figures shown above are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market circumstances.
Disclosure 2: Brokerage services provided to clients of Savior by, Charles Schwab & Co., Inc. an SEC registered broker-dealer and member FINRA/SIPC. Through our program, we provide you with a range of investment strategies. Each investment strategy consists of a diversified portfolio of exchange-traded funds, as well as an FDIC insured cash allocation. We have contracted with SPT to provide us with the technology platform and related trading and account management services for our program. This platform enables us to make our program available to you online and includes a system that automates certain key parts of our investment process, such as determining your investment objectives, risk tolerance, an appropriate investment strategy, and managing your portfolio through automated rebalancing. We create our investment strategies by choosing from among hundreds of ETFs that are available on the CS&Co trading platform.
Disclosure 3: Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Savior’s charges and expenses. Savior’s internet-based services are designed to assist clients in achieving specific financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2 and other disclosures. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Savior is not registered. Our automated investment program is available to our clients who open or maintain brokerage accounts at Charles Schwab & Co., Inc. (“CS&Co”), an affiliate of Schwab Performance Technologies.
Video Disclaimer
Legal Information and Disclosure
This communication expresses the views and opinions of the participants as of the date it was recorded or indicated, and such views are subject to change without notice. Savior LLC (“Savior”) has no duty or obligation to update the information contained herein. This communication may include forward-looking statements that are based on the then-current beliefs of the participants. Such forward-looking statements may involve assumptions and known or unknown risks and uncertainties that are subject to change and may differ from actual results, performance or events that occur in the future. Further, Savior makes no representation, and it should not be assumed, that past investment performance is an indication of future results. Moreover, wherever there is the potential for profit there is also the possibility of loss.
This memorandum is being made available for educational purposes only and should not be used for any other purpose. The information contained herein does not constitute and should not be construed as an offering of advisory services or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. Certain information contained herein concerning economic trends and performance is based on or derived from information provided by independent third-party sources. Savior believes that the sources from which such information has been obtained are reliable; however, it cannot guarantee the accuracy of such information and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based.