Tier Genesis

Tier Genesis is coming soon. Check back for updates or sign up to get updates using the form below.
Introducing Tier Genesis, A Biblically Responsible Robo-advisor platform designed for those just starting their investing journey or DIY investors. Each diversified Biblically Responsible asset allocation portfolio is handcrafted by our Christian Financial Advisor team and actively managed by underweighting and overweighting sectors with a forward looking approach depending on market condition.
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About Tier Genesis

Tier Genesis was designed by Vice President Shawn Peters and Wealth Advisor Austin Read under the guidance of Bob Barber (Founder of the firm). The investment portfolios are overseen by Bob Barber, our Founder, with 39 years of experience. It is a Biblically Responsible Robo-advisor platform designed for those just starting their investing journey, total assets under $100,000, or DIY investors.

Getting Started

Opening an account through our Tier Genesis program is an all-digital process. So to get started, you simply choose a model and click the “Get Started” button below. The Tier Genesis system will then walk you through the rest of the process. The great thing about this program is there is no account minimum, and you get to choose how you want your money invested.

5 Biblically Responsible, Actively Manage Investment Portfolio Models

Each diversified Biblically Responsible asset allocation portfolio is handcrafted by our Christian Financial Advisor team and actively managed by underweighting and overweighting sectors with a forward looking approach depending on market conditions. These are low-expense portfolios built of ETFs and individual stocks.

  1. Ultra-conservative
  2. Conservative
  3. Moderate
  4. Growth
  5. Aggressive growth

Choose how you want your money invested with no upfront or back-end sales loads or commissions.

Active Management And Customer Support

You will find active management of all Tier Genesis portfolios. Intelligent, automatic rebalancing1 to ensure each portfolio stays in line with its intended risk tolerance, and you have access during business hours to a financial advisor or planner for an hourly fee2. There will also be access to customer support via email or live support during business hours3.

1 Rebalancing is handled by Betterment’s automated system for three types in total: Cash Flow Rebalancing (deposits and withdrawals), Sell/Buy Rebalancing, and Allocation Change Rebalancing. For more info, visit: https://www.betterment.com/help/portfolio-rebalancing-methods
2 Hourly fee access to a financial advisor or planner waived for households with $300,000+ in total assets (starting at four hours per year for no additional charge)
3 Live customer support is provided via Betterment’s Customer Support Team to help you with any technical or account management questions.

Fee Schedule based on Assets Under Management

Clients will pay the Advisor a monthly Investment Advisory Fee payable in arrears of each month, based on the average daily balance of the fair market value of portfolio assets under management in the account(s) during the previous month. Investment Advisory Fees range from an annual rate of 1.00% to 0.30% based on the following blended fee schedule:

  • First $1,000,000 → 1.00%
  • Next $1,000,000 → 0.75%
    (i.e. $1,000,001 – $2,000,000)
  • Next $3,000,000 → 0.50%
    (i.e. $2,000,001 – $5,000,000)
  • Over $5,000,000 → 0.30%

Tier Genesis FAQ

What is Tier Genesis?
Tier Genesis is a completely digital, low cost, biblically responsible, portfolio management solution.
How do I open an account?
To open an account, simply follow the link on our site, answer a few questions regarding your risk/goals, and then be assigned an appropriate BRI portfolio.
How do I fund my account?
Once you go through the account opening process, you can fund your account via Plaid, a secure ACH authentication platform, manually verifying via bank microdepsits or by wiring cash.
How long does funding take?
Once you initiate an ACH, it can take up to 3 business days for the deposit to settle and get reflected in your account.
Who do I call with issues?
Tier Genesis is powered by Betterment for Advisors. Support is provided via Betterment's Customer Support Team to help you with any technical or account management questions. Members of the Customer Support Team are not investment adviser representatives and are not licensed to give financial advice. Betterment’s support team will be available from 8am to 5pm CST at 718-400-6898 or at support@betterment.com.
What’s the cost?
The automated portfolio management service billed monthly in arrears based on the average daily balance of the fair market value of portfolio assets under management in the account(s) during the previous month. Investment Advisory Fees range from an annual rate of 1.00% to 0.30% based on the following blended fee schedule:
  • First $1,000,000 → 1.00%
  • Next $1,000,000 → 0.75%
    (i.e. $1,000,001 - $2,000,000)
  • Next $3,000,000 → 0.50%
    (i.e. $2,000,001 - $5,000,000)
  • Over $5,000,000 → 0.30%
How do I change Models?
To change your model at any time, simply edit your holdings and use the slide bar to adjust the risk you are willing to accept.
Do you have fractional share trading?
Yes, we do offer fractional share trading so regardless of account size your account will be invested correctly without needing to round up or down.
Can I link my other accounts to my account portal?
Yes. Once you create your Tier Genesis trading account, you can link accounts held at other institutions.
Do you have an app for my phone?
Yes. You can download the “Betterment” app to allow you access to your Tier Genesis accounts via your mobile device.
How do I roll over a 401k?
After registering, you can select 401(k) as the option under “Transfer an account”. The system will then guide you through the process. You can also contact Betterment’s support team.
How do I transfer an existing account to Tier Genesis?
Once you register, go to your client portal and on the left-hand side click Transfers, or contact Betterment’s support team.
Once my account is opened, is it immediately invested?
Yes, once funds are received your portfolio will be funded right away unless it is a taxable account and you transferred existing holdings. The system will move into the model once your holdings have a loss or have a long-term gain. This reduces potential taxes.
How often are portfolio models rebalanced?
Our portfolios are automatically rebalanced once any fund drifts 3% away from its intended allocation. Regular contributions to your account are also used to dynamically rebalance your portfolio.
I need help deciding what’s best for me.
No problem, access to an advisor is available for a fee ranging from $249-$349/hour depending on the services that are needed.

ALL FINANCIAL PLANNING IS COMPLETED VIA A SECURE, ONLINE SYSTEM

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