Q72 is a portfolio optimization platform for independent wealth managers, family offices, and institutional investors. It runs the same asset universe and constraints through four portfolio construction methodologies — Q72 Confidence Alpha, Markowitz, Risk Parity, and Black-Litterman. The twelve classical portfolio outcomes are evaluated with walk-forward out-of-sample validation. An optional quantum-assisted refinement applies only to Q72 Confidence Alpha and is reported separately.

How is Q72 different from Sharpe-based tools like Bloomberg PORT or BlackRock Aladdin?

Q72 Confidence Alpha combines confidence-weighted forecasts, CDaR risk control, and correlation-aware selection. Markowitz, Risk Parity, and Black-Litterman remain independent reference methodologies under the same mandate and constraints. Q72 evaluates the twelve classical portfolio outcomes with walk-forward out-of-sample validation instead of relying only on in-sample metrics.

Q72 is designed for independent wealth managers, family offices, RIAs (Registered Investment Advisers), and institutional investors who need validated, side-by-side comparison of multiple optimization methodologies rather than a single black-box recommendation. It is a B2B SaaS platform — not available to retail or consumer investors.

What optimization methods does Q72 use?

Q72 compares four portfolio construction methodologies under the same mandate and constraints: Q72 Confidence Alpha, Markowitz mean-variance, Risk Parity, and Black-Litterman. The three reference methodologies retain their own independent logic and do not receive Q72 Confidence Alpha pre-weighting. Quantum is not a fifth methodology; it is an optional two-stage refinement of Q72 Confidence Alpha on real quantum hardware.

How is Q72's quantum refinement evaluated?

The twelve classical portfolio outcomes are evaluated with genuine walk-forward out-of-sample validation. The optional quantum refinement is assessed separately: a quantum candidate is retained only when it improves the same Q72 objective without increasing volatility, otherwise Q72 Classic remains. Any historical quantum performance figure is labelled as a replay of the final live weights, not as a walk-forward out-of-sample track record.

Does Q72 store client data?

No. Q72 processes ticker symbols, capital amounts, and allocation weights only. No client names, identities, account numbers, or personal data are ever entered, transmitted, or stored. Optimization results are encrypted in transit and at rest and are scoped exclusively to the user's account.

What software does a newly launched independent advisor actually need?

At minimum, the firm needs a robust advisor or wealth platform and a defined investment process. A separate CRM is optional when the wealth platform already covers relationship management, tasks and client workflows. Q72 can be added as a portfolio decision and validation layer.

Do I need HubSpot at all?

Not necessarily. A separate CRM such as HubSpot or Pipedrive is most useful when prospecting, marketing, sales pipeline and business development need more depth than the wealth platform provides.

What are alternatives to Fincite?

Depending on target segment, scale and functional scope, examples include Fincite CIOS, aixigo:BLOXX, Objectway and Temenos Wealth. They overlap in some areas but differ in modularity, front-to-back depth, target client size and integration model.

Is Zapier a core platform?

No. Zapier or Make is an integration and automation layer used where native connectivity is insufficient.

Why add Q72 to a wealth platform?

Because Q72 is not intended to replace the advisor workflow. It is positioned as a separate portfolio decision and validation layer: multiple methods, the same mandate, comparable outputs and an explicit validation framework for the classical results.

Is this a regulatory guide?

No. Regulation is a launch checkpoint. Licensing, registration and exemptions depend on the activities, clients, product scope and jurisdiction and should be checked locally.

Does this stack work internationally?

The operating logic is international: CRM, automation, advisor operations, external custody/execution and a portfolio decision layer. The regulatory perimeter and specific infrastructure providers vary by market.

Founder Guide · Wealth Management Infrastructure

Build the office.
Keep the stack lean.

A practical infrastructure guide for new independent advisors, wealth managers and family offices — from the advisor/wealth platform through optional CRM and automation layers to the portfolio decision layer.

Explore the stack Try Q72

Advisor / Wealth PlatformCRM optionalZapier / Make optionalQ72

Lean operating architecture

2 core layers + optional CRM

01 · Advisor operations

Advisor / Wealth Platform

e.g. Fincite CIOS · aixigo:BLOXX · Objectway · Temenos Wealth

CORE OPERATIONS

Optional · Growth & relationship

CRM / Growth Layer

e.g. HubSpot · Pipedrive · native CRM capabilities

Automation bridge

Native integrations · Zapier · Make

02 · Investment layer

Q72 Capital

Portfolio decision & validation

PORTFOLIO INTELLIGENCE

External infrastructure

Bank · Custodian · Broker

One job per layer

Not more software. Clearer ownership.

A lean launch works when systems do not duplicate each other. Advisor operations and portfolio intelligence are the core layers; a separate CRM is added only when relationship and growth workflows need more depth.

Optional · Growth & relationship

OPTIONAL

CRM / Growth Layer

e.g. HubSpot · Pipedrive · native CRM capabilities

Only add a separate CRM when prospecting, marketing, sales pipeline and business development need more depth than the wealth platform already provides.

Prospecting & pipeline

Marketing & outreach

Follow-ups

01 · Advisor operations

CORE OPERATIONS

Advisor / Wealth Platform

e.g. Fincite CIOS · aixigo:BLOXX · Objectway · Temenos Wealth

The central operating layer for onboarding, profiling, advice, portfolio and investment workflows, ordering, reporting and relevant bank or custodian connectivity. Exact scope varies by vendor.

Onboarding & profiling

Advice / portfolio workflow

Ordering & reporting

02 · Investment layer

PORTFOLIO INTELLIGENCE

Q72 Capital

Portfolio decision & validation

Compare multiple portfolio-construction methods under the same mandate, validate classical outcomes out of sample and optionally add quantum refinement.

4 construction methods

Walk-forward OOS

Optional quantum refinement

Automation bridge

Zapier and Make belong in the stack — just not as another operating system.

Automation sits between the systems. It moves data, triggers follow-up, hands off forms and starts internal workflows. Native integrations come first; Zapier or Make closes only the remaining gaps.

Native integrationsZapierMake

External infrastructure

Bank · Custodian · Broker

Connected into the operating workflow, but deliberately kept outside the application core.

Platform examples: Fincite CIOS · aixigo:BLOXX · Objectway · Temenos Wealth

Portfolio edge

The wealth platform runs the advisor workflow. Q72 challenges the portfolio decision.

An advisor or wealth platform covers the operating wealth-management workflow. Q72 adds a separate layer where one portfolio output is not enough: multiple construction methodologies under the same mandate, three risk profiles, one walk-forward out-of-sample framework for the classical outcomes, plus optional quantum refinement for Q72 Confidence Alpha.

Try Q72

construction methods

risk profiles

classical comparison outputs

OOS

walk-forward validation

Same mandate

Four independent construction logics

01Q72 Confidence Alpha

02Markowitz

03Risk Parity

04Black-Litterman

walk-forward OOS validation

From zero to operating

What needs to exist first.

Business model

Define whether the firm is a single family office, advisory business or discretionary wealth manager.

Advisor / wealth platform

Select an operations platform — for example Fincite CIOS, aixigo:BLOXX, Objectway or Temenos Wealth — and compare the actual functional scope against your workflow.

CRM only if needed

Add HubSpot, Pipedrive or another CRM when prospecting, marketing and sales pipeline require more depth than the wealth platform provides.

Automation

Use native integrations first; add Zapier or Make where systems need a clean connective layer.

Custody & execution

Select the appropriate bank, custodian or broker connectivity. This is external infrastructure, not another internal software platform.

Investment process

Define the asset universe, risk profiles, constraints, decision rights and review logic.

Portfolio edge

Add Q72 as a separate decision and validation layer when the investment process needs broader comparison and stronger challengeability.

Regulatory boundary

Deutsche Version

Regulation is a workstream. It is not the product.

Licensing or registration depends on what the business actually does: advice or discretion, external clients or one family, product scope, client type and jurisdiction. The legal perimeter should be checked locally. This page is intentionally an infrastructure guide rather than a licensing manual.

German version

Common questions

What actually needs to be resolved at launch.

The stack can stay lean. The investment logic does not have to.

Q72 makes portfolio construction comparable and keeps the validation logic explicit.

Named platforms are examples, not partner recommendations. Functional scope and suitability should be evaluated by provider, market and business model.

Try Q72

Build the office.Keep the stack lean.

Not more software. Clearer ownership.

CRM / Growth Layer

Advisor / Wealth Platform

Q72 Capital

Zapier and Make belong in the stack — just not as another operating system.

The wealth platform runs the advisor workflow. Q72 challenges the portfolio decision.

What needs to exist first.

Business model

Advisor / wealth platform

CRM only if needed

Automation

Custody & execution

Investment process

Portfolio edge

Regulation is a workstream. It is not the product.

What actually needs to be resolved at launch.

The stack can stay lean. The investment logic does not have to.

Build the office.
Keep the stack lean.