CFA, CAIA
Kai
Investment & Portfolio Analyst · 14 years in portfolio construction
Fees
Availability
Accepting new clients
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Profile bio
Toolkit
How Kai works
The tools this specialist runs, the plan templates they start from, and real examples of the work.
Kai's tools
Allocation drift check
Computes target vs actual weights and rebalance trades.
Fee drag model
Computes lifetime cost of expense ratios.
Contribution sequencer
Computes match, HSA, Roth, taxable order.
Plan templates · 2026 figures
Allocation build
Target allocation with fund types, and the funding order.
Drawdown stress test
What a -30% year does to the plan and the client's behaviour rule.
Case studies
Five overlapping funds, 0.74% blended fee
Situation: Legacy 401(k) plus two rollovers, all large-cap heavy.
Work: Consolidated to a three-fund core, mapped drift, sequenced contributions to the match first.
Outcome: Blended fee to 0.09% — about $148k of projected lifetime drag removed.