Beyond the Algorithm: The Essential Value of Human Financial Advisors in an Age of Robo-Investing

Financial advisors can offer what no computer can duplicate – human connection – the capacity to understand emotions, needs, fears, and desires and the ability to help keep clients disciplined during volatile markets. Many financial advisors built their practice with the purpose of helping others, but their value is being undercut by the onslaught of robo-advisors and DIY investing platforms offering potentially destructive quick fixes and shortcuts promoting the removal of the middleman. What they are removing may be the most important variable in the equation, the real value financial advisors can bring to clients: an opportunity for long-term wealth creation, education, discipline, and peace of mind around investing.

At Matson Money, we are on a mission to restore and reinvent the value you can bring back to your business. Right now, there are opportunities to not only survive but thrive in the current financial horizon, by applying tested methodologies to help scale, grow, and differentiate your business as a financial advisor.

In the fast-paced world of financial advising, staying ahead means more than just managing portfolios – it means cultivating relationships, fostering trust, and training and developing clients to stay disciplined over a lifetime. And you do not have to reinvent the wheel or do it alone. We have a dedicated support system committed to seeing you win. Matson Money provides business coaching, operational services, and time-tested, effective processes to advisors which can allow them to spend time on what matters most - growing their business and cultivating ongoing relationships.

The Investor’s Dilemma: Reacting to Market Turbulence

Today, investors are faced with a myriad of circumstances that can make them ripe to panic. From highs to crashes, bubbles to bursts, exuberance to panic, investors run the gamut of emotions that can lead them to make imprudent decisions around their portfolio. Without the guidance of a financial advisor to help them stick to a long-term investing strategy, investors may be prone to make potentially catastrophic decisions that can destroy their financial future for generations to come.

Investors attempting to navigate the highs and lows of market turbulence alone are not equipped for success. The advisor-investor relationship can help your clients close the gap between panic and confidence, between speculating and gambling and prudent investing. It allows for what computers cannot factor into the equation – human behavior and emotions. At Matson Money, the Matson Method takes into consideration both the systematic, mathematical equation and human behavioral factors behind wealth creation.

Are You Ready to Make a Million and Make a Difference?

Matson Money’s coaching systems help advisors transform their clients' relationships to money in a way that can help develop them to be prudent and disciplined over a lifetime while our proprietary algorithms manage over 25,000 holdings in over 78 countries1 based on Nobel Prize-winning academic principles.2 Our innovative training programs can help bring people into a new world of investing. Just as there was once a time when people from the “old world” asserted that the world was flat, unaware of a “new world” yet to be discovered, there is a new world of investing, awaiting discovery by investors – and is readily available – to be claimed by investors looking for a revolutionary approach grounded in science. The investing landscape has changed, and with the stewardship of a highly trained financial advisor, investors can be better able to set a prudent, disciplined course of investing and navigate their way toward long-term wealth.

Whether your business is at $10 million, $50 million, or $500 million, there is opportunity to unlock growth potential by using tested methodologies, coaching tools, and educational seminars that can help create breakthrough experiences for clients – like Matson Money’s American Dream Experience®.

The American Dream Experience is Matson Money’s free 2-day breakthrough investor seminar created by Founder and CEO of Matson Money, Mark Matson. Advisors are invited to bring their clients to this event where they can create their True Purpose for Money® and discover what academic investing science is, how it works, and how it can help fulfill their purpose for life. Participating in events such as the American Dream Experience and other Matson Money events can help foster a culture of prudence and discipline among investors throughout their lives.

Empowering Investors: Matson Money’s Lifelong Education Series

Achieving success as an investor over the long term demands resilience and continuous learning. Matson Money facilitates monthly coaching calls via Zoom, offering advisors a platform to invite their clients for ongoing education and development opportunities. This enables advisors to dedicate more time to nurturing relationships with their clients, while ensuring that their clients continue to receive consistent education tailored to their long-term investment goals.

When Mark Matson founded Matson Money in 1991, he saw an opportunity for a significant change within the financial advisor business model. He built a fiercely entrepreneurial company that strives to put the interests, dreams, and life’s purpose of investors front and center. Many investment advisors are stuck in a trap, or several traps, where they are chasing the latest product or tip, moving clients' money in hopes of beating the market, or acquiring the latest and greatest thing. This can create fear and panic for advisors and investors alike. At Matson Money, advisors do not have to depend on guesses or predictions to help fulfill on their clients’ financial dreams, but they rely on coaching and the steadfast application of empirically tested academic investing principles. This can help eliminate the need to predict the future, stock-pick, market time, and track-record invest and can provide clients access to peace of mind around investing.

Ready to Discover Time-Tested Methodologies to Scale and Grow Your Business?

Join us for two days and break through the confusion at Matson Money’s Advanced Advisor Conference: Mind Games. It is Matson’s commitment that everyone sees investing, business, and life itself as a Mind Game. At the conference, advisors can discover that the most valuable thing they can provide and the only thing that really matters is their mindset, and NOTHING is more important. The Advanced Advisor Conference is March 7-8. Register for this free virtual event today.


Matson Money, Inc. “Matson” is a federally registered investment advisor with the Securities Exchange Commission (SEC) and has been in business since 1991. In Canada, Matson is registered as a portfolio manager in Ontario, Alberta, and British Columbia.  Registration with the SEC and the Canadian securities regulatory authorities does not imply their approval or endorsement of any services provided by Matson.

This content is based on the views of Matson Money, Inc.  This content is not to be considered investment advice and is not to be relied upon as the basis for entering into any transaction or advisory relationship or making any investment decision.  

This content includes the opinions, beliefs, or viewpoints of Matson Money.  All of Matson Money’s advisory services are marketed almost exclusively by either Solicitors or Co-Advisors.  Both Co-Advisors and Solicitors are independent contractors, not employees or agents of Matson.  

Other financial organizations may analyze investments and take a different approach to investing than that of Matson Money. All investing involves risks and costs. No investment strategy (including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.


Fund of Funds Risk:  The investment performance of client portfolios is affected by the investment performance of the underlying funds in which the portfolio is invested. The ability of the total client portfolio to achieve its investment objective depends on the ability of the underlying Matson-advised mutual funds to meet their investment objectives, on Matson’s decisions regarding the allocation of the portfolio’s assets among the underlying Matson-advised mutual funds, and on Matson’s decisions regarding investments made by the underlying Matson-advised mutual funds. The portfolio may allocate assets to an underlying fund or asset class that underperforms other funds or asset classes. There is no assurance that the investment objective of the portfolio or any underlying fund will be achieved. When the portfolio invests in underlying funds, investors are exposed to a proportionate share of the expenses of those underlying funds in addition to the expenses of the portfolio. Matson may receive fees both directly on your account as well as on the money your account invests in the underlying funds, and the underlying funds themselves may bear expenses of the mutual funds or ETFs in which they invest. Through its investments in the underlying funds, the portfolio is subject to the risks of the underlying funds’ investments, with certain underlying fund risks described later in this content. More information on mutual funds, ETFs, and associated fees, is available in fund prospectus documents, available online at:  

References to Holdings  

Due to Matson’s investment philosophy and methodology, any references by Matson or by unaffiliated third parties to specific holdings, number of holdings, or specific countries or asset classes are references to the underlying funds in which the Matson-advised mutual funds invest.  Mutual funds currently use SEC Forms N-PORT and N-CSR to disclose their quarterly holdings at the end of each fiscal quarter (Form N-PORT replaced Form N-Q),therefore any specific holdings cited are accurate as of that date or is data provided directly by the underlying fund company itself, and do not in any way represent portfolio management research or trading decisions made by Matson Money, other than to the extent Matson Money has allocated Matson-advised mutual fund investments to such underlying funds. Form N-PORT can be found online at   



The Nobel Memorial Prize in Economic Sciences, commonly referred to as the Nobel Prize in Economics, is an award for outstanding contributions to the field of economics, and generally regarded as the most prestigious award for that field.  

Markowitz, Harry.  “Portfolio Selection.”  Journal of Finance.  1952.  

Harry Max Markowitz is an American economist, and a recipient of the 1989 John von Neumann Theory Prize and the 1990 Nobel Memorial Prize in Economic Sciences. Markowitz is a professor of finance at the Rady School of Management at the University of California, San Diego.  

Efficient Market Hypothesis, first explained by Dr. Eugene Fama in his 1965 doctoral thesis.  

Eugene F. Fama, “Random Walks in Stock Market Prices,” Financial Analysts Journal, September/October 1965. 

Eugene F. Fama, 2013 Nobel laureate in Economic Sciences; is widely recognized as the "father of modern finance." His research is well known in both the academic and investment communities. He is strongly identified with research on markets, particularly the Efficient Market Hypothesis. 


Eugene F. Fama, Kenneth R. French, “The Cross-Section of Expected Stock Returns,” Journal of Finance 47, No. 2, (June 1992); Eugene F. Fama, Kenneth R. French, “Common Risk Factors in the Returns on Stocks and Bonds,” Journal of Financial Economics 33, No. 1, (February 1993); Eugene F. Fama, Kenneth R. French, “Profitability, Investment and Average Returns,” Journal of Financial Economics 82, No. 3 (December 2006); Eugene F. Fama, Kenneth R. French, “A Five-Factor Asset Pricing Model,” Journal of Financial Economics 116, No. 1 (April 2015);  

Three Factor Model 

Fama, Eugene F. and Kenneth R. French. “The Cross-Section of Expected Stock Returns,” Journal of Finance, 47, June 1992.   

Efficient Market Hypothesis 

Eugene F. Fama, “Random Walks in Stock Market Prices,” Financial Analysts Journal, September/October 1965.  

Modern Portfolio Theory 

Markowitz, Harry. Portfolio Selection: Efficient Diversification of Investments. New York. Wiley. 1959. Print.