We are the silent engine of growth inside your clients investment portfolio(s). Thrive XP Growth Composite(s)™ are currently available on the Charles Schwab Managed Account Marketplace®.

Thrive Portfolios provides the Thrive XP Growth™ Strategy with Separately Managed Accounts (SMA). Institutional clients evaluate the Thrive XP Growth Strategy™ for their clients. Institutional clients gain access by signing a direct contract with Thrive Portfolios which states the AUM-based management fee. Our ADV lists a competitively priced annualized AUM fee of 10-30 bps billed quarterly in arrears and it is disbursed by the custodian bank.

Thrive XP Growth is an actively managed large-cap equity investing Strategy seeking long-term capital appreciation. There are typically 12-15 individual equities concentrated in the Strategy. Your contract states 10-20 but we communicate our sweet spot to be 12-15 large companies. The Strategy limits individual company risk to 15% of the Strategy, including the ETF-based SMA Composite. Companies are not considered investable until reaching a $10 billion market capitalization. Thrive XP Growth Strategy can invest in companies across any financial sector and domiciled in any country. The Strategy does not invest in derivatives, short positions or use leverage. Thrive XP Growth was born outside of the finance industry and has been reengineered to be seen through the optics of the industry. It is rebalanced quarterly. We do reserve the right to rebalance off-cycle.

Thrive XP Growth Strategy creates three Composite(s) for robust treatment of capital gains tax:
1) Thrive XP Growth Tax-Advantaged Composite for the least tax sensitivity and represents our Strategy best in its truest form.
2) Thrive XP Growth Taxable Composite for the most tax sensitivity.
3) Thrive XP Growth ETF-based SMA Composite for the least tax sensitivity. It is a replication of our equity strategy optimized for individual company exposure and minimal net weighted expense ratios. It is used for accounts that do not allow individual securities, such as personal choice retirement accounts. Keep this in mind for tax harvesting our equity-based Composite(s).

4) Thrive Portfolios Money Market Composite is available for ease and flexibility while earning interest consistent with high yield savings accounts. Institutional clients use this Composite to ease transitional states, market timing, market conditions, or dollar-cost averaging. It is an alternative to presenting multiple LPOAs. We use money market mutual funds because they require next day settlement. This is an intentional choice to discourage the use of Thrive Portfolios as a short term trading vehicle.

We are an independently verified firm claiming compliance with Global Investment Performance Standards (GIPS). We demonstrate our performance without the hype. We do not compete with sales, marketing and entertainment budgets. Our GIPS Report serves as our marketing budget and we post ours as of the most recent quarter end.

We firmly believe that white glove service is appropriately placed in the hands of our Institutional clients and the custodian bank. Institutional clients are in complete control of moving client accounts into or out of Composite(s) with the custodian bank. We advise Institutional clients when your client accounts are visible to our firm. We do utilize human intelligence to gauge the readiness of your client accounts before investing in our Composite(s). The Institutional client designates Thrive Portfolios as the Money Manager (MM) for identically registered account(s) at Charles Schwab & Co., Inc. Institutional clients have a negotiated AUM-based management fee in their direct agreement with Thrive Portfolios.

Advisors and investment firms can also discuss tailored API or AI Agent access with us.