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Fixed Income

Systematically managed bond SMAs, tailored to every client

Deliver customized municipal and Treasury portfolios designed around each client's tax profile, risk objectives, and income needs.

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Fast execution

Once the portfolio is implemented, it is typically built out within 5 business days, so client cash isn't sitting idle.

Lower minimums

Start at $125,000, about half what many bond-SMA managers require.

Lower minimums

Start at $125,000, about half what many bond-SMA managers require.

Tax-aware and flexible

Advisors tailor duration, credit, structure, and state exposure client by client. Every portfolio is built for after-tax outcomes.

Tax-aware and flexible

Advisors tailor duration, credit, structure, and state exposure client by client. Every portfolio is built for after-tax outcomes.

Rules don't optimize. Algorithms do.

A rules-based bond SMA follows a fixed playbook.
Vise's engine weighs every objective simultaneously.

A rules-based bond SMA follows a fixed playbook. Vise's engine weighs every objective at once.

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RULES-BASED REBALANCING

Static rules conflict with each other and force unnecessary turnover.

Rebalance on maturity

Buy and hold

Maintain 1% cash buffer

Liquidate for distribution first

Restrict single bond securities

The Vise Engine

Cycles through all four steps to build and maintain every account.

Source Liquidity

Relative Value Screens

Design Strategy

Optimize Portfolio

Two ways to build a bond portfolio, customizable down to the individual bond

Ladder

Typically best for steady income

Bonds are spread evenly across maturity rungs, so cash flow stays predictable and reinvestment risk is spread out over time. When a rung matures, the proceeds go back into the ladder to keep it balanced.

Weight (%) of a $1M portfolio

0–2

2–4

4–6

6–8

8–10

10–12

12–14

15+

Maturity (years)

See the portfolio before
you propose it

See the portfolio before you
propose it

In-state municipal income is exempt from federal and state tax, so a lower yield could potentially be worth more than a higher taxable one. Enter a client's details to see the difference.

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Account Value

Client’s home state

Federal bracket

Strategy

3.00%

4.78%

Vise muni yield

Taxable equivalent

For a California resident in the 37% combined bracket, a 3.00% muni yield is equivalent to a 4.78% taxable yield.

After-tax yield

3.00%

Est. annual income

$30K

Positions

≈ 30

For illustrative purposes only - actual result will vary.

Customize bond SMAs, potentially at half the minimum

Individually managed, tax-aware bonds, delivered faster and at a lower minimum than a traditional bond SMA.

Traditional bond SMA managers*

Account minimum

$125,000, across every strategy

Commonly ~$250,000 or more

Proposals & iteration

Built on-platform, propose and iterate in real time

Typically built off-platform, slower to turn around

Time to fully invested

Typically a few trading days**

Often longer, commonly 5–10 trading days

Who manages it

In-house, on one optimization platform—no sub-advisor

A third-party manager, separate from your platform

* Category-typical, point-in-time figures; managers vary and often waive minimums.
** Vise's documented time to fully invest a portfolio from cash.

See what's available
in your client's state

Click a state for its municipal strategies and potential tax advantage for residents. Treasury ladders available nationwide.

California

Targeted Duration (Short / Intermediate / Long) and Ladders (1–5, 1–10, 1–15 yr). Residents keep muni income free of federal and California state tax. Treasury ladders also available.

13.30% top state income tax

Frequently asked questions

How does a client get started?

Open a Vise fixed income account, fund it, and Vise constructs and trades the portfolio, typically fully invested within a few trading days.

What's the account minimum?

$125,000 across all fixed income strategies.

Can I move a client's existing bond portfolio over?

Yes. Send the current holdings and the team returns a proposed transition, usually the same day.

How quickly are trades executed?

Once the portfolio is set, orders execute the same trading day they're placed.

How are coupons and maturing bonds handled?

Proceeds are reinvested to keep the portfolio on strategy—in a ladder, they roll back into the top rung—or distributed to meet the client's income needs. Portfolios target roughly 1% cash.

Which custodians are supported?

Vise integrates with Fidelity and Schwab, with more on the way. All integrations support real-time data feeds for cash and positions, straight-through trade processing, and automated daily reconciliation.

All investments carry the risk of loss, and fixed income investments are no exception. Fixed-income securities are subject to market, interest rate, credit, and liquidity risks. When interest rates rise, bond prices generally fall, which can result in a decline in the value of the portfolio. Additionally, issuers may experience financial distress or default on payments of principal or interest (credit risk). Not all fixed income securities are liquid, and the adviser may be unable to sell certain holdings at a favorable time or price (liquidity risk). There can be no guarantee that the investment objectives of the portfolio will be achieved.

The portfolio built for your biggest client.
For every client.

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Product

Resources

Company

521 Broadway
New York, NY 10012

+1 201 375 3969

Form ADV

Form CRS

1 Vise "Platform Assets" encompasses assets actively managed by Vise as well as assets that Vise aggregates, monitors, and uses to generate customized proposals. As of 6/1/2026.
2 This calculation is based on total realized losses as of 12/15/25 and assumes a long-term capital gains tax rate of 20% and a short-term capital gains tax rate of 41%.
3 Source: Cerulli Associates, U.S. Asset and Wealth Management Edition, 2021

Images and graphs on this page are for illustrative purposes only. Does not represent actual client results. Past performance does not guarantee future results.

Tax-Loss Harvesting Disclosures

Vise AI Advisors, LLC (“Vise”) is an SEC-registered investment adviser. The material presented is for informational purposes only and should not be construed as investment advice. It is not a recommendation of, or an offer to sell or solicitation of an offer to buy, any particular security, strategy, or investment product. Nothing on this website should be construed as personalized investment advice, which can only be provided in one-on-one communications.

Investing in securities involves risks, including the potential loss of money, and past performance does not guarantee future results. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes and may not reflect actual future performance.

Product images shown are for informational and illustrative purposes only and may not reflect how they will appear within the product. Third-party trademarks and service marks referenced are the property of their respective owners.

The portfolio built for your biggest client.
For every client.

Book a Demo

Product

Resources

Company

521 Broadway
New York, NY 10012

+1 201 375 3969

Form ADV

Form CRS

Images and graphs on this page are for illustrative purposes only. Does not represent actual client results. Past performance does not guarantee future results.

Tax-Loss Harvesting Disclosures

The portfolio built
for your biggest client.
For every client.

Book a Demo

Product

Resources

Company

521 Broadway
New York, NY 10012

+1 201 375 3969

Form ADV

Form CRS

Images and graphs on this page are for illustrative purposes only. Does not represent actual client results. Past performance does not guarantee future results.

Tax-Loss Harvesting Disclosures

Systematically managed bond SMAs, tailored to every client