[pishpash]

I mean things as simple as rebalancing, to a bit more complicated like tax management, or trading rules. I want the mechanics of portfolio management, but I don't want somebody else's portfolio. You're still choosing from somebody else's portfolio with Motif.

If somebody wants to disrupt, quant hedge fund for retail investors would be the one but I suspect it's never going to happen because of the perverse incentives that exist to not do that. There used to be the Quantopian-Robinhood method but neither side wanted to go in the direction. I don't see these firms as truly disruptive.