When Markets Fall
Help limit major losses
- Your portfolio adjusts during difficult markets.
- This helps protect what you’ve built instead of riding every downturn.
You Earn Well. But Will You Be Okay?
Your career pays well. The quiet question is if your wealth is keeping up. And if you will have enough when it matters.
WaterfallWealth.ai gives you a clear framework, and a plan you can trust. Less stress. More confidence.
Free risk profile • No credit card required
Sammy the Salmon Your AI Financial Guide
He understands your personal situation—not a one-size-fits-all template. He knows the full tax code, financial strategies, and planning tools. He uses all of that to build a financial plan around your life.
He helps manage your full financial life with personalized guidance, smart automation, and lower fees. Helping with investing, taxes, planning, and everyday financial decisions. For about half the cost of a traditional advisor.
Let Sammy lead the way
No credit card required • Start in 2 minutes
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Get your footing
Pay down costly debt and build emergency savings—so one surprise does not knock you off course.
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Start building wealth
Turn savings into a real portfolio and grow toward meaningful milestones.
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Gain momentum
Let compounding work while your portfolio stays aligned to your goals.
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Retire with confidence
Know if you are on track to cover retirement—or how much you can safely withdraw.
The Waterfall Framework
Most people do not lack ambition—they lack structure. We organize investments into three simple buckets, each with a clear job.
Three buckets. One clear path.
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Defensive
Your safety net—built for emergencies, stability, and peace of mind when life or markets get rocky.
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Core
Your long-term engine—a balanced bucket that grows with you through your peak earning years.
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Growth
Your upside when you are ready—designed to capture opportunity without throwing discipline out the window.
Your Buckets Adjust as Life and Markets Change
Need cash for a big purchase? Markets getting shaky? Recovery starting? Your buckets adjust over time to help protect what you’ve built and keep you moving toward your goals.
Always on. Always yours.
When Markets Recover
Participate in the growth
- As conditions improve, your portfolio shifts back toward growth.
- No guessing. No trying to perfectly time the market.
You Are In Control
Hands-off or hands-on
- Want a simple approach? Let the system run on autopilot.
- Prefer hands-on? Take the wheel and use the system as your dashboard.
No credit card required • Start in 2 minutes
Every Stage of Your Journey
“Am I going to be okay?”
That's the question behind every phase of life—If you are just getting started, building momentum, planning for what's next, or retired and wondering if your money will last. You deserve a straight answer, not a guess.
The Sweet Spot
Feature
Waterfall Wealth
(Foundations)
Traditional Advisor
Betterment
Fidelity
Robinhood
Annual Fee
0.3%
1.0-2.0%
0.65%
0.5-1.5%
0.25%
Dynamic Allocations
AI Guide
Decision Transparency
Full explanations
Quarterly reports
Basic
Basic
None
24/7 Monitoring
Fiduciary Standard
Ready to See Your Wealth Grow?
Join smart investors who use Waterfall Wealth to protect and grow their wealth.
No credit card required • Start in 2 minutes.
Common Questions
We've heard every concern. Here are the answers.
That's a fair question, and we would be skeptical too.
Try us for 60 days
'Guide' membership is free for the first 30 days (No payment required). The next 30 days of a paid membership is guaranteed. If you are not satisfied for any reason, get full account balance back with all platform and advisory fees refunded, including any prepaid amounts. You can see how the experience feels before you commit long term.
The guarantee applies to platform and advisory fees only. It does not cover investment losses, which can happen in any portfolio.
Try us for 60 days
'Guide' membership is free for the first 30 days (No payment required). The next 30 days of a paid membership is guaranteed. If you are not satisfied for any reason, get full account balance back with all platform and advisory fees refunded, including any prepaid amounts. You can see how the experience feels before you commit long term.
The guarantee applies to platform and advisory fees only. It does not cover investment losses, which can happen in any portfolio.
You are not handing money to a black box. Every recommendation comes with a plain-English rationale, and you can override or opt out anytime.
We are an SEC-registered adviser. Your assets are held at Interactive Brokers, an SIPC-protected custodian in the S&P 500.
We act as a fiduciary: your interests come first, not ours.
We are an SEC-registered adviser. Your assets are held at Interactive Brokers, an SIPC-protected custodian in the S&P 500.
We act as a fiduciary: your interests come first, not ours.
No strategy eliminates risk. Markets go down, and you can lose principal.
We start by matching your portfolio to the risk you are willing to take. The system prioritizes protecting capital when conditions look unfavorable, then growing when the path is clearer. The AI can move you toward more defensive positions when risk rises, based on the rules you choose.
All investments involve risk, including possible loss of principal.
We start by matching your portfolio to the risk you are willing to take. The system prioritizes protecting capital when conditions look unfavorable, then growing when the path is clearer. The AI can move you toward more defensive positions when risk rises, based on the rules you choose.
All investments involve risk, including possible loss of principal.
Many traditional advisors charge about 1-2% a year, often $1,000-$2,000 per $100,000 invested. Our Core membership is $348 a year for a similar portfolio size.
That's hundreds to over a thousand dollars a year back in your pocket, before comparing investment results. Lower fees mean more of your money stays invested and compounding.
That's hundreds to over a thousand dollars a year back in your pocket, before comparing investment results. Lower fees mean more of your money stays invested and compounding.
Robo-advisors are simple but often one-size-fits-all. Trading apps give you tools but little ongoing guidance.
We combine disciplined, AI-driven portfolio management with adviser oversight and explanations you can actually read. You get depth without needing to be a full-time trader.
We combine disciplined, AI-driven portfolio management with adviser oversight and explanations you can actually read. You get depth without needing to be a full-time trader.
No. You do not need to read charts or pick stocks.
The platform walks you through preferences and risk. The AI does the heavy lifting; you can stay hands-off or dig into customizing your portfolio if you enjoy finance. Plenty of successful clients started exactly where you are.
The platform walks you through preferences and risk. The AI does the heavy lifting; you can stay hands-off or dig into customizing your portfolio if you enjoy finance. Plenty of successful clients started exactly where you are.
The system watches market data in real time (volatility, sentiment, technical trends), not to time every wiggle, but to gauge when risk is rising relative to your comfort level.
When long-term risk signals worsen beyond what you've signed up for, allocation can shift toward more defensive positions. It's risk management tied to your tolerance, not a promise to beat the market every quarter.
We aim for returns similar to buy & hold, targeting about half the drop during market downturns. Helping you sleep at night.
When long-term risk signals worsen beyond what you've signed up for, allocation can shift toward more defensive positions. It's risk management tied to your tolerance, not a promise to beat the market every quarter.
We aim for returns similar to buy & hold, targeting about half the drop during market downturns. Helping you sleep at night.
We plan for models being wrong sometimes. There are guardrails: position limits, risk caps, and human oversight on the advisory side.
We monitor model health and drift; if something looks off, you hear about it. You can dial back automation, change settings, or withdraw on your schedule. You are never locked in.
We monitor model health and drift; if something looks off, you hear about it. You can dial back automation, change settings, or withdraw on your schedule. You are never locked in.
Questions to Ask Financial Professionals
Here are our answers to help you understand our services.
See our Client Relationship Summary (Form CRS) for more information.
It depends on what you want. If you'd like help building or sticking to an investment plan, and want professional tools and oversight, an adviser can be a good fit. If you prefer to research and trade entirely on your own, you may not need one.
We are happy to help you think it through; our setup and tools are built for both hands-off and fully hands-on investors. Try us for free to see if our style of advice matches your goals before you go all in.
We are happy to help you think it through; our setup and tools are built for both hands-off and fully hands-on investors. Try us for free to see if our style of advice matches your goals before you go all in.
Your invested dollars go to the investments you choose. Advisory or platform fees are charged as we disclose, separately or as a deduction from the account.
Fees matter because they reduce net returns over time, so we keep ours transparent. We offer a free membership for balances under $50,000. For example, if you invested $10,000 in that membership, you would pay $0 in fees to us; other third-party costs (if any) would still apply as disclosed.
Fees matter because they reduce net returns over time, so we keep ours transparent. We offer a free membership for balances under $50,000. For example, if you invested $10,000 in that membership, you would pay $0 in fees to us; other third-party costs (if any) would still apply as disclosed.
We use model portfolios and rules-based tools that reflect the goals, time horizon, and risk level you select. Recommendations are not random; they follow the strategy you approve.
You stay in the driver's seat: you choose the lane; the system helps steer within the guardrails you set.
You stay in the driver's seat: you choose the lane; the system helps steer within the guardrails you set.
Like many firms, we sometimes work with affiliates for technology or marketing. That can create incentives we need to disclose.
We document those relationships and have policies designed so recommendations stay aligned with your best interest, not ours or a vendor's. Ask us anytime if you want more detail on a specific arrangement.
We document those relationships and have policies designed so recommendations stay aligned with your best interest, not ours or a vendor's. Ask us anytime if you want more detail on a specific arrangement.
We are an SEC-registered Internet Adviser. Our team holds the qualifications required to offer investment advice and supervises how our automated tools operate.
Registration means we are subject to SEC rules and exams; it does not guarantee any level of skill or future results. It does mean we are held to professional and regulatory standards.
Registration means we are subject to SEC rules and exams; it does not guarantee any level of skill or future results. It does mean we are held to professional and regulatory standards.
Your main point of contact is our advisory team at eSmeb Inc., an SEC-registered investment adviser (not a broker-dealer sales line).
If something feels off (responsiveness, clarity, or how you are being treated), email us at support@esmeb.com and we will route it to the right people.
If something feels off (responsiveness, clarity, or how you are being treated), email us at support@esmeb.com and we will route it to the right people.
No. Our firm and our personnel do not have any disciplinary history.
- RIA Oversight
- SEC Compliant
- Full Transparency
- Customizable
- AI-Powered
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