Personal Business Manager-AI-powered personal business manager.

Example

A business owner is looking to grow their wealth through passive income. PBM helps assess their current asset allocation, recommends a mix of real estate, stocks, and dividend-yielding funds, and projects a five-year return, including potential monthly income.

Scenario

For a business owner with $500,000 in surplus funds, PBM would propose splitting the investment into 40% dividend stocks, 30% real estate, 20% bonds, and 10% high-risk growth stocks. This strategy might yield an annual return of 7%, or around $35,000, with monthly income from dividends and rental properties.

Example

During an economic downturn, PBM reassesses portfolios and reallocates investments to protect against losses. It might recommend moving from volatile stocks to more secure bonds or defensive sectors like utilities or consumer staples.

Scenario

A family business heavily invested in cyclical industries could be exposed to sharp downturns in the economy. PBM would shift 60% of their assets into government bonds and essential goods, reducing risk while maintaining liquidity to seize opportunities when markets stabilize.

Example

For a family trust worth $10 million, PBM provides strategies to maintain growth while ensuring payouts to beneficiaries. It incorporates estate tax considerations, advising on trusts or charitable giving to minimize tax burdens and protect wealth across generations.

Scenario

A wealthy individual looking to leave a legacy might be concerned about tax implications for their heirs. PBM would suggest setting up a dynasty trust that avoids estate taxes, while managing the portfolio to grow assets by 4-5% annually through diversified investments.