FutureAdvisor was founded on the premise that investing for your future does not have to be difficult or expensive; we believe low-cost index investing is the key. FutureAdvisor's algorithm analyzes your existing 401(k), IRA, and other investment accounts and compares them to model portfolios. It then uses that data to recommend how you should allocate your money across various assets classes and suggests specific trades you should make to improve your portfolio diversification and cost efficiency.