Marstone LLC

Marstone provides online financial advisory and discretionary portfolio management primarily to individual investors through an interactive digital platform, and also serves institutions and other investment advisers under sub‑advisory arrangements. Services include developing investment plans, recommending diversified ETF‑based allocations, and implementing ongoing rebalancing for personal, retirement, and self‑employment accounts.

The firm uses an algorithmic process and website‑based questionnaires to assess risk tolerance and construct customized ETF portfolios that may include ESG exposures and alternative allocations such as cryptocurrency. Marstone manages accounts on a discretionary basis and performs overlay management for third‑party model providers, operating with a generally buy‑and‑hold philosophy supplemented by periodic rebalancing.

Noteworthy aspects include operating primarily as an internet adviser and offering participation in wrap‑fee programs, along with disclosed agreements to pay referral fees or accept client introductions from third parties. Marstone also explicitly serves other advisers through sub‑advisory relationships and targets smaller retail accounts (minimums noted around $500), rather than focusing on high‑net‑worth individuals.