Dinerazo Inc.

Dinerazo Inc., established as an investment adviser, offers portfolio management services through a wrap fee program. The firm provides robo-advisory services via an online interface, tailored to individual client characteristics like age, risk tolerance, and assets. The fee structure is based on total assets under management, with fees ranging from $2.99 to 1.00% annually. Clients have the option to terminate the agreement within five business days of signing for a full refund. Dinerazo absorbs transaction costs but may limit trading activities to manage costs. The firm primarily serves individuals and high-net-worth individuals with no minimum account requirement. Dinerazo uses fundamental analysis, modern portfolio theory, and quantitative analysis for investment strategies, focusing on fixed income securities, equities, ETFs, and treasury inflation-protected bonds. Clients receive monthly reports on their accounts and have the flexibility to update their profiles as needed. Dinerazo does not accept performance-based fees and does not have any material relationships that could pose conflicts of interest. The firm's Code of Ethics covers various areas, including insider trading and conflicts of interest. Dinerazo does not receive economic benefits from third parties for advice provided to clients and does not compensate non-advisory personnel for client referrals.