ABE Portfolios

ABE Portfolios are a digital investment advice service offered by LSB Capital Management. Our goal is to provide everyone with access to the capital markets, regardless of account size, investing experience, or net worth.

We believe that getting started as soon as possible, paying yourself first, and systematic investing across appropriate asset classes are the keys to building long-term wealth.

With ABE, you will get access to personalized money management through an easy-to-use client portal at a cost that is about half of traditional full-service advisors.

ABE Portfolios are a great fit for investors who want professional asset management but don’t need a full-service financial planning or advisory relationship.

If you like building your own portfolios or actively trading stocks, ABE probably isn’t the best choice for you.

No. ABE Portfolios can be opened with any size of initial deposit or transfer. We can even utilize fractional share trading to build your personalized portfolio allocation, regardless of your account size.

For retirement accounts, IRS rules and contributions limits apply.

Your personalized portfolio recommendation is partially based on your reason for investing. You can have multiple investment accounts assigned to a goal.

For example, you may have a goal of “Saving for Retirement”. You can have both a Traditional IRA and a Roth IRA assigned to this goal. You may choose to rollover a former employer plan to your Traditional IRA, and make periodic contributions to your Roth IRA. We will manage your asset allocation across all assigned portfolios.

Research shows that asset allocation drives over 90% of portfolio returns. (Brinson et. al. 1986, 1991) We will design a personalized asset allocation for you based on your goals, time horizon, and risk tolerance. We will then invest in vehicles that we believe will provide the best mix of risk and return over your time horizon.

LSB Capital does not sell its own products, so we are free to choose from thousands of investments that best fit our clients.

No. ABE is a fully discretionary, professionally managed portfolio. We typically utilize low-cost ETFs to construct a personalized, diversified, multi-asset class portfolio for you. If you would like a self-directed portfolio through LSB, you can contact us to discuss your options.

After you receive and confirm your recommended portfolio, you will have the opportunity to manually override the results and choose a portfolio that ranges from 100% Fixed Income to 100% Equity. This is only recommended for experienced investors.

The ABE Portfolios client portal supports digital ACATS transfers between LSB Capital and major investment firms, such as Vanguard, LPL Financial, Schwab, and TD Ameritrade. Click on “Initiate a Transfer” to start the process. You will use your credentials for the transferring firm to validate your identity.

If your current institution is not available through the portal, please contact us at [email protected] and we can begin the transfer process for you.

The ABE Portfolios client portal allows you to link a bank account of your choosing to your investment account. We use technology from Plaid to establish bank links. If your institution does not support Plaid or micro-deposits (this is rare), please contact us and we can help.

If you are opening a brand new account, you may have to wait one business day to set up a transfer from your bank.

Give us a call at 515-452-0711 or email us at [email protected] and we'll be happy to assist you.

DriveWealth

Currently, clients can open Individual, Traditional IRA, Roth IRA, SEP IRA, and SIMPLE IRA accounts through the client portal’s digital onboarding process.

Joint accounts, Trust accounts, Inherited IRA’s and other more uncommon account registrations can be opened by contacting [email protected]

Accounts under $250,000 -- 0.65% annually
Accounts $250,000-$1,000,000 -- 0.50% annually
Accounts over $1,000,000 -- 0.40% annually

These rates include all trading costs. There could potentially be additional fees from the custodian for uncommon requests, such as paper statements or confirms being mailed.

The Documents tab is where you can view and download account-related information such as monthly statements, trade confirmations, and tax reporting documents. You can also send us forms such as transfer paperwork or account maintenance through the vault’s upload function. The Document Vault is secure and encrypted.