Ten tools. One workflow.
Meridian handles the whole client process, from the first risk conversation to the final report.
Maximize expected return for a targeted risk/volatility level
Moderate Growth · Client Proposal
10.2%
Exp. Return
8.5%
Volatility
1.20
Sharpe
Monte Carlo optimization across four volatility windows
Choose a volatility target and Meridian will instantly find the allocation with the highest expected return, backtested across 5, 10, and 15 years, and since inception. It works with almost anything: ETFs, mutual funds, closed-end funds, iQUANT models, SMAs, FIAs, or your own tickers.
- Highest expected return at ≤10% volatility across four lookback windows
- ETFs, CEFs, mutual funds, iQUANT models, custom tickers, and FIA sleeves
- Upload SMA or custom manager returns alongside listed securities
- Scan a brokerage statement to auto-import holdings
- Describe a portfolio by voice — just speak the tickers and weights
Efficient Frontier
Monte Carlo · 5,000 trials8.4%
5-Year
8.5%
10-Year
8.7%
15-Year
9.1%
Inception
See how portfolios hold up in a crisis
Test any portfolio against past market crises and see how it would have held up. The results are easy to walk clients through.
- Tests against major historical crises
- Confidence bands and downside risk charts
- Plain-English summaries for client review
Crisis Scenario Losses
-24%
Worst Case
-15%
Avg Drawdown
95%
Confidence
Risk scoring clients can understand
CIRS, our Composite Investment Risk Score, grades each portfolio on risk and efficiency and shows where it could be in six months. It's a clear, professional way to explain risk in a client meeting.
- Composite Investment Risk Score (CIRS)
- Adjusted Sharpe ratio with letter-grade efficiency ratings
- 6-month projection ranges and rolling metrics
Composite Risk Score
CIRS Engine72
out of 100
1.42
Adj. Sharpe
A+
Efficiency
6mo
Projection
Built for how advisors actually work
Import holdings the way you already receive them
Stop retyping positions from a PDF or statement. Meridian reads them for you — or lets you dictate them out loud.
Scan a brokerage statement
Upload a PDF or screenshot of a client statement and the AI extracts every holding, resolves tickers, and fills the table — usually in under ten seconds. Anything it can't confidently match is flagged so you can add it manually.
Works with any standard PDF or image statement — the brokerages above are just examples.
Describe a portfolio by voice
Just speak the tickers and weights — "VTI sixty, BND thirty, AAPL ten" — and Meridian parses them into the holdings table instantly. Faster than typing, and ideal when you're reading off a statement or a client is dictating over the phone.
- Continuous recognition — keep talking, it keeps parsing
- Works in percentages or dollar amounts
- Review and edit before anything is saved
A genuine differentiator
A real portfolio optimizer — not a drag-and-drop allocator
Most platforms let you slide allocation bars around and call it "building a portfolio." Meridian runs a true Monte Carlo optimizer: it tests thousands of allocation combinations across four volatility lookback windows, then picks the one with the highest expected return that stays within your target risk band. That kind of engine has been locked behind six-figure institutional software for decades. Having it in a $95/month advisor tool is rare — and it changes what you can bring to a client meeting.
Everything else included
Seven more tools that work together
All ten use the same client records, so nothing gets lost between steps.
Portfolio Comparison
Compare portfolios side by side on return, risk, and allocation, with correlation heatmaps and drawdown charts. See each holding's contribution to total return for either portfolio.
Retirement Planner
Project retirement income with Monte Carlo, guardrail spending rules, Social Security timing, and RMDs.
Fixed Index Annuity (FIA) Analyzer
Add fixed index annuities to a portfolio, with caps and participation rates built into the analysis.
Proxy Finder
Fill gaps in an asset's return history with a matching ETF, mutual fund, or index.
Portfolio Diagnostics & Rebalancing
See what's inside your funds — expense ratios, yield, overlapping holdings, and actual exposure. Compare buy-and-hold with quarterly, annual, or threshold rebalancing.
Branded Client Reports
Create branded proposals, investment policy statements, and risk reports with your required disclosures built in.
Member CRM with Lead Pipeline
Track prospects from first contact to signed client with a simple CRM made for advisors.
10
Integrated tools in one workspace
4
Volatility lookback windows
5K
Monte Carlo trials per optimization
30-day
Free trial, no credit card
Walk into your next meeting ready.
Meridian gives you everything you need to prepare for client meetings. Start a 30-day free trial with no credit card and no sales call.