We are a place where you will find tailored expert insight on how to strengthen every dimension of your finances. Our algorithm analyzes your financial position and gives you recommendations on how to achieve the goals that will benefit you the most. You use our recommendations to back your financial decisions and strengthen your economy as a whole. Or in other words, we show you the path, but you make the journey.
We are neither. You can’t trade in our platform and we do not manage your funds or charge you trading fees. We charge you an affordable flat-rate for unrestricted access to expert financial insight with which you can back your financial decisions and strengthen your position as a whole.
Fivent is to finance what a nutritionist is to food. A nutritionist helps you to understand good nutrition habits in general and also gives you recommendations specific to your health and your goals. Fivent does that but for your finances.
We want to replace the old-fashioned, expensive financial advisors with a technology-enabled platform that will guarantee that everyone has access to affordable, expert financial advice.
1) We are a true fiduciary
Our aim is neither to sell you products nor to charge you trading fees. That means that our success depends on winning you as a recurrent subscriber to our services. Hence,our focus is to add value to you, win your trust and become your chosen long-term financial partner.
Our proprietary technology allows us to give you tailored, expert financial advice that will help you back your financial decisions, strengthen your position and get you closer to your goals. Subscribing to Fivent is like booking a financial advisor (except it’s faster, cheaper and better).
3) A one-stop-shop
In Fivent you will find resources to make better financial decisions, calculate your Financial Strength Index™, understand your current position and areas you should focus on, choose an investment strategy that is aligned with your goals, learn the basics about managing your personal finances and build a strong financial foundation. We strive to be your place-to-go for any financial advice.
We want to be your long-term financial partner and help you strengthen your finances, because we believe this will enable a greater degree of financial and personal freedom for you.
We provide services focused in three areas:
Planning: understand your position and work towards your goals
Step 1: You answer simple financial questions and our proprietary algorithm will tell you how strong your current financial situation is and which are the weakest areas you should focus on. This is called your Financial Strength Index™ (FSI).
Step 2: You will receive tips and action plans based on your answers. These recommended action plans will help you strengthen the weakest areas shown by your FSI and improve your overall financial position.
Learning: improve your general financial and investment knowledge
We cover different topics that will help you understand the basics, how to set your goals, develop healthier financial habits, control debt and be more prepared for financial downturns. As for our investment course: investing without knowing the basics is like building a house without a blueprint. You will learn how to get started, the power of compound interest, how to diversify your portfolio and allocate assets, tax implications, what ETFs are, which broker to use and much more.
Investing: back your investment decisions with our financial expertise
You will have access to our tool InvestHub™ with which you will define an investment strategy, risk profile and time horizons aligned to your goals, and use our in-depth company analyses and curated ETF list to back your investment decisions.
We follow a Freemium model. That means you can calculate your Financial Strength Index™ and access some educational resources for free.
You can upgrade your plan via a subscription that is paid annually, at the beginning of the period.
All prices include 21% of VAT. You can find more about what is included in each plan in the pricing page.
Fivent is not a robo-advisor and will not make the trades for you. Some people may view this as a disadvantage. We view it as the perfect combination of expert financial analysis and flexibility to make your own financial decisions. A nutritionist recommends you what to eat and then you go buy the food in the grocery store or other shops. We do the same for your finances.
We believe Fivent is the best solution for self-sufficient people who:
If this resonates with you, then Fivent may be the financial partner you are looking for.
Complete a Questionnaire
Answer simple financial questions in your confidential online profile to calculate your FSI (Financial Strength Index™).
Understand where you are
Based on your FSI we will show you your strengths and 3 priorities you should focus on. You will also have access to resources that will help you improve your financial foundation.
Choose an action plan
Upgrade to the Advanced or Premium plan and you will automatically receive tailored action plans and recommendations to achieve your goals. You will also have unrestricted access to InvestHub™, where you will find resources that will help you make well-informed investment decisions.
It’s an index that shows how prepared are your finances today to maintain or improve your standard of living in the future. The scores are calculated based on a proprietary model developed by Fivent that analyzes your finances in a variety of areas, including your income, expenses, savings, investments, debt and insurance coverage.
The score goes from 0 to 800. These are the different score ranges we use:
Regardless of your starting score, it is important to remember that that is a snapshot of your position at the time of the analysis. It will improve as you progress through your action plan, develop healthier financial habits and make better financial decisions in general.
We are all about helping you create stronger financial foundations today for you to enjoy a greater degree of financial freedom in the future. This starts by helping you improve how you manage your savings and how to develop healthy spending habits.
The Starter plan includes specific guides about:
When you upgrade your plan to Advanced or Premium, you will also have specific action plans to guide you. They will include both the steps to follow as well as the targets to reach a as a part of your overall strategy.
In other words, everything Fivent does will help you directly or indirectly to save money and optimize yourreduce (unhealthy) spending.
Your Financial Strength Index™ (FSI) will show you how strong your finances are today in order to maintain or improve your standard of living in the future. Based on your FSI our algorithm will create tailored action plans for you to strengthen your finances.
However, each person’s definition of success is unique and it is up to you to decide how you want your future to look like.
In other words, we will give you the tools and be there for you, but you set the finish line as far as you want.
Yes. With the Advanced and Premium plans our algorithm will create tailored action plans for you to strengthen your finances. This will include an analysis of each area of your finances, actionable tips, as well as identifying three priorities to focus on with concrete steps to follow.
Good financial planning is the basis for a greater degree of financial freedom. Some of the main benefits are:
To increase your personal freedom.
There are some things that can have a huge positive or negative impact in your life and yet, for some reason, are not taught in school. Finance happens to be one of those things. The lack of basic knowledge can lead to avoidable mistakes with disastrous consequences that will limit your freedom to choose how to live your life.
Therefore, we encourage everyone to -at least- learn the basics. Understanding some concepts, their importance and the impact they have on your financial position will improve your ability to make smarter financial decisions and reduce mistakes.
We believe you should not delegate your financial wellbeing, hence personal freedom, to others. Not in your family, not in your employer, not in the government. The existence of some safety nets sometimes is necessary and even desirable, but ultimately, you should strive to be the master of your destiny.
The Starter plan includes access to educational resources about:
The Premium and Advanced plans will feature a complete investment course (not yet available) covering:
The Educational Resources available in the Starter plan are written guides. Each one focuses on a specific topic and covers all the essential information.
The Investment Course included in the Premium and Advanced plan will combine a similar format with videos that will complement the written information.
We believe educational systems anywhere have room for improvement. They should prepare you with the skills you will need during your adult life.
If there is one thing everyone in the world will need to deal with at some point, it is money. Money that you receive from your parents as an allowance, money that you earn, money in the form of inherited assets. Everyone will need to make decisions regarding how to handle money.
This lack of knowledge is the main reason why so many people are overrun by debt, develop unhealthy spending habits, are not prepared for financial downturns or make ill-informed investment decisions that cripple their finances and personal freedom.
With the Advanced and Premium plan you will have access to our complete Investment Course, as well as unrestricted access to our tool InvestHub™.
The Investment Course (not yet available) will cover:
With InvestHub™ you will access tools and resources that will help you make better investment decisions. Among other things, you will be able to:
The idea behind our in-depth company analysis is that they will help you make better-informed investment decisions.
We will analyze companies of two types:
We will focus on companies listed in American stock exchanges.
When we calculate your Financial Strength Index™ we will analyze many different areas of your finances. Depending on your specific situation, if it is in your best interest, our algorithm will recommend you to work on other areas first, before starting to invest.
A risk profile is an evaluation of an individual's willingness and ability to take risks. You will be able to choose from three options:
Your time horizon is the expected time you are willing to hold onto the assets before you need the money back. You can choose between:
Your risk profile and time horizons are determined by your current financial position, investment knowledge, goals and target dates.
Depending on your Financial Strength Index™, chosen risk profile and time horizons we will suggest a portfolio structure. That means what percentage of stock, ETF (Exchange Traded Funds), bonds, and other assets we think may be a good fit for you.
To decide which specific assets to choose in each category you will be able to use our curated lists and in-depth company analyses to make better-informed decisions.
Your final portfolio structure and which assets you choose are your decision. We recommend that before you make decisions that can have a significant impact on your financial wellbeing you seek advice from a certified financial advisor.
We provide a list of brokers which we consider to be good options. We based our analysis on a number of factors such as: regulator, customer service, products offered, and fees charged. However, we encourage you to consult other sources or do your own assessment to see which broker fits your strategy better and is available in your region.
Let’s be honest. There is nothing wrong with a robo-advisor, it is just a different type of product. It can be a good choice for someone who doesn't value independence and flexibility in his or her investment choices. If you are looking for someone to delegate your investment strategy and decisions, a robo-advisor may be what you are looking for.
On the other hand, if what you are looking for is a long-term financial partner that helps you make your own, well-informed investment decisions, then Fivent may be the kind of partner you are looking for.
Fivent is a fully independent company. We are not associated with any other financial institution.
Our founder, Tulio Bracho, started this company with big ideas, few resources, and a mission: to empower you to strengthen your financial position in a convenient, secure, effective and affordable way.
For us, the key to what we do is to put your interests first. We have been in your shoes and we want to treat you as we would have wanted to be treated when we needed financial advice.
We have a team of financial experts led by our CEO and founder, Tulio Bracho.
Tulio has more than 10 years of experience working in portfolio management, treasury, and strategy. He holds a degree in economics from the Universidad Santa María, a Master’s in Finance from the IESA, and an M.B.A. from the Kelley School of Business.
Our business model is simple and transparent. You are our only customer and our success depends on winning you as a recurrent subscriber to our services. Hence, our focus is to add value to you, win your trust and become your chosen long-term financial partner.
You can change your password in two ways:
You can reset your account by clicking on “Delete Data” on the left hand side menu after login in. This action will delete all the financial data stored in your account at that time. This will allow you to recalculate your Financial Strength Index™ with your updated financial information.
You can delete your account from your account section by clicking on “Delete Account” at the bottom of the lefthand side menu. You won’t be able to undo this step and you will need to create a new account if you want to use Fivent again.
You can do this at any time. Simply go to "Settings" inside your account, click on "Cancel subscription" and follow the steps. Your subscription will be active until the end of the current period, but won’t renew henceforth.
Our subscriptions are non-refundable. For more information, please refer to our Terms and Conditions.
Your security is our priority.
Absolutely not. We do not share your information with any third party unless required by law enforcement in compliance with the law.
We want to hear from you. Reach out through our chat or send us an email to email@example.com and we will get back to you as soon as possible.