SEC-registered investment adviser · FINRA member SIPC

Engineered wealth,
calibrated to you.

Meridian builds risk-adjusted portfolios from 14,000+ global securities, stress-tests them against 90 years of market history, and lets you see the outcome before you commit a single dollar.

Run a simulation Start onboarding
$4.2B Assets under administration
38,400 Active investor accounts
0.12% Median all-in fee
11 yrs Since inception, audited

Portfolio performance simulator

See your money in twelve parallel futures.

Set your capital, horizon, and risk band. Meridian runs 10,000 Monte Carlo paths against historical return distributions and shows you the 10th, 50th, and 90th percentile outcomes — not a single rosy line.

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$
P10 — downside $ —
P50 — median $ —
P90 — upside $ —
Probability of loss —
Allocation snapshot
Equities 60% Fixed income 40%

Simulated returns are drawn from historical distributions (1928–2024, CRSP + Barclays indices). Past performance does not guarantee future results. The model excludes taxes, slippage, and behavioral deviation. See disclosures.

Risk assessment questionnaire

Five questions.
One calibrated profile.

Regulation Best Interest requires us to understand your capacity for loss before recommending anything. Answer honestly — your profile governs which strategies you're offered.

If your portfolio dropped 20% in a single quarter, what would you do?

What portion of your net worth would this investment represent?

When do you expect to need this capital?

Which statement feels most true for you?

Your investment knowledge is best described as:

Your risk profile

— Score: —/20

Recommended equity allocation: —
Continue to onboarding

Live market intelligence

The same data our desk uses,
streamed to you.

Indices, rates, and a 12-month price track on a benchmark ETF. Data refreshes every few seconds during market hours via public exchange APIs.

S&P 500 — 12-month track

SPY · daily close · source: public market API

$— —

Key rates

Major indices

Crypto benchmark

BTC/USDT · 24h interval · source: Binance public API

Guided onboarding

From signup to funded
in under nine minutes.

Four steps, fully digital. We collect only what regulators require, verify identity in seconds, and let you fund via ACH, wire, or portfolio transfer.

Tell us about you

This determines which account types and strategies you're eligible for. Everything is encrypted at rest under SOC 2 Type II.

Verify your identity

We use bank-grade KYC (Persona) to match your document against issuing authorities. Your SSN is never stored — only a verification token.

Government ID Driver's license or passport · front + back
Live selfie Liveness check · takes 8 seconds
SSN verification Last 4 digits · matched via Experian
Awaiting document upload — this is a demo flow.

Choose how to fund

Most ACH transfers under $50k clear same-day. ACATS portfolio transfers take 5–7 business days.

Select your strategy

Based on your risk profile and horizon, Meridian recommends the following. You can change this any time.

Recommended for you

Moderate Growth

60% global equities · 35% investment-grade bonds · 5% alternatives

  • Target return7.2% / yr
  • Historical max drawdown−18.4%
  • Expense ratio0.09%

Conservative Income

30% equities · 65% bonds · 5% cash equivalents

  • Target return4.5% / yr
  • Historical max drawdown−7.1%
  • Expense ratio0.07%

Aggressive Growth

90% equities · 5% bonds · 5% alternatives

  • Target return10.8% / yr
  • Historical max drawdown−42.3%
  • Expense ratio0.11%
A financial advisor reviewing a portfolio with clients at a desk

Fiduciary standard

A human advisor,
when you want one.

Every account includes unlimited access to a SEC-registered advisor by chat or scheduled call. No upsell, no commission — we're paid only by you, never by the products we recommend.

  • Fiduciary duty, written into every engagement letter. We are legally bound to act in your best interest.
  • SOC 2 Type II audited. Assets custodied at Apex Clearing, SIPC-insured up to $500k.
  • Flat, transparent pricing. 0.12% median all-in fee. No markups, no payment for order flow.
  • Real humans, 6am–8pm ET. Average response time under 4 minutes during market hours.

Regulatory disclosures

Read the fine print.
We mean it.

Meridian Capital LLC is a registered investment adviser. Below are the disclosures required by SEC Rule 204-3 and FINRA Rule 2210. This is not optional reading.

Firm registration & background

Meridian Capital LLC ("Meridian") is an investment adviser registered with the U.S. Securities and Exchange Commission under the Investment Advisers Act of 1940. Our Form ADV Part 2A and Part 2B brochures, Form CRS, and privacy policy are available at meridiancapital.com/legal or by request.

Registration does not imply a certain level of skill or training. SEC registration is not equivalent to SEC endorsement.

CRD number: 288771. SEC number: 801-22885. FINRA member firm, SIPC member.

Investment risks & past performance

All investments involve risk, including possible loss of principal. Past performance is not a guarantee, forecast, or indicator of future results. Diversification does not eliminate the risk of investment loss.

The simulator on this site uses Monte Carlo methods drawing on historical return data from 1928–2024. These are hypothetical projections, not predictions. Real returns will differ, sometimes materially, due to taxes, fees, slippage, behavioral factors, and changes in market structure.

Fixed income securities are subject to interest rate, credit, and inflation risk. International investments carry currency, political, and liquidity risk.

Fees, conflicts & compensation

Meridian charges a single asset-based fee ranging from 0.08% to 0.35% annually, tiered by assets. We do not receive payment for order flow, 12b-1 trailer fees, or commission from fund sponsors for recommendations.

Conflicts of interest may arise where Meridian has an economic incentive to recommend strategies that increase assets under management. We mitigate this through our flat-fee structure, written fiduciary commitment, and independent compliance review.

Third-party ETFs held in your portfolio carry their own expense ratios, set by the fund issuer. These are disclosed in each fund's prospectus.

Custody, SIPC & insurance

Client assets are custodied at Apex Clearing Corp., a qualified custodian under Rule 206(4)-2. Apex is a member of SIPC, which protects securities up to $500,000 (including $250,000 for cash).

SIPC protection does not cover losses from market decline. Apex's supplementary excess-SIPC coverage through Lloyd's of London provides an additional $150 million in aggregate, subject to sub-limits.

You will receive trade confirmations and monthly statements directly from Apex. Discrepancies must be reported within 10 business days per SIPC rules.

Suitability & Reg BI

Under SEC Regulation Best Interest, Meridian must act in the best interest of retail customers when making recommendations, placing the customer's interest ahead of our own. Our suitability determination is based on the risk questionnaire, stated objectives, time horizon, and financial situation you provide.

If your circumstances change, you must update your profile. Recommendations made on stale information may not remain suitable.

Privacy & data security

We collect only the personal information necessary to open, service, and secure your account. We do not sell personal data to third parties. Full details are in our Privacy Notice (Reg S-P).

Meridian is SOC 2 Type II certified. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). Biometric data used for identity verification is processed by Persona and never stored by Meridian.